23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX  ,    XXXX , FL  XXXX   XXXX / XXXX / XXXX  To Whom it  May Co ncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX   XXXX   XXXX     XXXX , GA  XXXX    XXXX   XXXX       XXXX   XXXX   XXXX      XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  .    XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Tire Dealers   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX  ,   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act 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 furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX
Product: Credit card

Hi my problem is american expres close my account for no reasons i when i was loging to make a payment i see card cancel.
Product: Credit card

Late fee of {$40.00} charged and balance not credited resulting in {$160.00} owed and credit declined. Reason given was payment was made late for XXXX and XXXX. Company acknowledges receiving payments on XX/XX/XXXX and XX/XX/year>. Payments sent by me on XX/XX/XXXX and XX/XX/XXXX allowing 3 days for mail to arrive by due date of XXXX and XX/XX/XXXX of 2024. Charged late fee and declined credit by Chase Freedom Credit Card Services because they stated did not receive payments by due date of the XXXX each month. Chase stated that I should have sent payment 5-7 days in advance to make sure they received it by due date. First, a payment is not defined as legally late when it is received but when it is sent by the payee. I made the payment early in good faith. Second, experience shows that it only takes 2-3 days for mail to reach its destination from the US Postal Service . In good faith I paid in an early and timely manner allowing sufficient time of 3 days for the payment to arrive on time. My suspicion is that both payments arrived timely within 2 to 3 days, but the credit card company took the extra 3 to 5 days to process and post the payment and charged me as being late for those extra days. I have an excellent payment history with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion verbally agreed to remove XXXX XXXX Account all negative and collection accounts information from credit bureaus based on current XXXX Data Breach Settlement agreement. However, information has not been deleted. 

I sent a mailed certified letter 609 and 611 letter on XX/XX/XXXX. However, I have not received a response from Transunion. I was impacted by the XXXX  Data Breach and provided supporting documentation/signed contract for account showing XXXX XXXX on my account.
Product: Credit reporting or other personal consumer reports

Fraudulent activity occurred and the information is being shared on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed and the Chapter XXXX Bankruptcy isn't mine. I have provided a document to show this. Please remove them.
Product: Payday loan, title loan, or personal loan

When I took out my loan last year I told them I did not want any insurance on the loan well months later when i looked at my papers i seen where i had all the insurances they offer and an auto insurance also i phoned office was told i did not have insurance on my loan i told them it was on my paperwork so they told me to bring it in ... .so i work over 40+hours out if town its hard to get time to go in so when i finally took a day off to go in today they had me sign a paper that says I wanted to drop life and disability and told me come back next week sometime they would have me a check ready then so when I left I took paper to my girlfriend she ask about auto club as it was not on the paper the paper was also dated for that day instead of being backdated to my loan date I have been given the run around for like 6 months now on this issue I talked to supervisor today told me that she was called about dropping insurance on a loan but that the office didn't say anything about dropping the auto which she found out hadn't been dropped at all so I inquired about other insurance like person property she told me I had to have that and I know by law I dont have to so she wouldnt drop the property insurance at all. So supervisor called me back said they were gon na send me check in the mail for the ones they dropped sometime next week. I dont know why this has been such a hassle and I have been lied to so many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experians credit building services, 2 months ago, through chime, it was recommended app, through their recommendations my credit has been severely affected through hard inquiries and very inaccurate reporting. I really want to sue, however XXXX XXXX, I don't have the means to do so. The services are XXXX monthly, it's almost as they trying to purposely wreck my credit.
Product: Debt collection

I have unsubscribed from emails, I sent in a do not call letter. They called me on XX/XX/year> after I sent them an email on XX/XX/year>. I sent in the letter and they have continued to send me emails after I have unsubscribed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal student loans, serviced by Mohela/Department of Ed have been paid off for months. My bank, XXXX, and the XXXX, show the student loan account as still open with a ~ {$520000.00} balance owed. This error substantially impacts my credit score. Banks sharply limit a potential home loan because this student loan appears open on my credit report. The fact that it takes months and months for this to be corrected is completely unacceptable and the error itself is costing me money. Credit reporting agencies should not be able to hold one 's credit report hostage like this. To boot, XXXX is difficult to get ahold.
Product: Checking or savings account

A transaction from XXXX XXXX XXXX submitted a withdrawal from my checking account with B of A ending in XXXX on XX/XX/XXXX, the overdraft protection from my other checking account with B of A ending on XXXX, did not apply it to acct. XXXX as it was suppose to. This happened XXXX months in a row in XXXX but I just now found out that I could dispute this problem that B of A caused me at that time and recently as well.
Product: Debt collection

I have been receiving multiple phone calls since XXXX 2017 from Receivables Performance. At all hours of the day & night. The calls sometimes started at XXXX or XXXX XXXX & have n't ended after XXXX XXXX. These phone calls are on my home phone & cellular phone. It has caused me unnecessary XXXX. I NEVER received a letter from this company I only found it on my credit report when trying to find out who these people we 're. I also searched on the internet for the phone numbers they we 're calling me from. They also call from a foreign number which has three to seven digits & they made me go through lot 's of thing 's in order to have them identify themselves. I have been repeatedly stalked by different men through the years so, naturally I assumed it was someone from the past trying to find me. I got very scared to the point I had difficulty sleeping due to the XXXX. Most of the time the person calling is a robo call or in the rare occasion it is a person they will only say their first name. I have blocked their phone calls for a while but, sometimes they get through on other phone numbers. In one day I bet I was called at least 10 times. I got very tired of dealing with these people. It grew quite frustrating. Acct ending in XXXX XXXX
Product: Credit reporting or other personal consumer reports

My husband is the sole borrower for the loan with rocket mortgage used to purchase our home ( I did not have a credit score at the time of purchase so was unable to be on the loan ). He was looking to refinance the loan to include the windows we purchased.

The mortgage specialist at rocket mortgage told my husband that he would need to do a " soft inquiry '' on my husband 's credit report to look at the potential to refinance. He also asked about possibly including me on the loan. I was unaware that this was all in progress when I received a call to " verify my information '' by stating my birthdate and social. I verified my information and was told that I was free to exit the call. 

At no point was I made aware of the need for me to be on the loan and I definitely did not agree to any application, or credit searches. I just thought I was verifying my info as a member of the household ( as I was included in the mortgage with the previous loan without actually borrowing or needing to have credit ). 

The next day I got a notification from XXXX XXXX that my score had dropped by XXXX XXXX. So the " soft inquiry '' that my husband had consented to had become a hard inquiry on MY account that I was not aware was happening. 

We reached out to the company and have been repeatedly told that while they " understand where we are coming from '' that they had not done anything wrong by not disclosing the reason for the " verification of information '' and not getting my consent to add me to a loan application. 

I was told my husband could consent for me, which is not the case given the National Credit Act. I feel that the way they obtained my social for the search without disclosing the intended purpose was an Unfair and Deceptive Act or Practice that took advantage of me as a consumer.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX 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

We received a call from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX on XX/XX/XXXX about a claim from our XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX. XXXX at XXXX XXXX  said he received the claim on XX/XX/XXXX. We moved out XX/XX/XXXX. I asked for a statement about this account, but did not get one. I called XXXX on XX/XX/XXXX, he said the statement was mailed on XX/XX/XXXX. XXXX said to call back next week, so I called on XX/XX/XXXX then he said call back on the XX/XX/XXXX. I call back on the XXXX and XXXX said that his system showed that it hasn't reached my address yet. I asked to speak to a manager and was told he was on break and would call back. He did not. I called XX/XX/XXXX and was told XXXX and the manager were on break and would call me back, however and half hour later I have not received a call yet. They will not send me a statement or return calls about this debt. 
On XX/XX/XXXX, XXXX did give me an account number of # XXXX and the amount was {$380.00}. I don't have documents to download since I received nothing from ant of these companies. Thank you in advance for your help in this matter.
Product: Debt collection

On XX/XX/2020. I made an agreement with Portfolio RC for a lesser amount to pay {$150.00}. 40 to pay my debt off, they agreed to have it removed from all 3 creditors and it is showing closed on my account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXXDate of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These 53 inquires are not mines. They were once deleted and readded to my report. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX, XXXX and demand for disclosures under TILA of all companies who are servicing my transaction and who actually received all my money. 

On XX/XX/XXXX I paid {$1100.00} for for home insurance policy XXXX from my own funds. 

According to response form Artificial Intelligence robo-signer [ robot ] " XXXX XXXX '' which pretend its PennyMac Loan Services , LLC XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received your latest Insurance Declaration from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, effective XX/XX/XXXX, to XX/XX/XXXX, with a XXXX  due of {$1100.00}, which we paid on your behalf through your escrow account on XX/XX/XXXX ''. 

This is a lie. ALL payments for my home insurance policy are made by XXXX XXXX XXXX and - according to provided to me by lawyer XXXX XXXX XXXX screenshot from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these money were received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I demand under XXXX, XXXX and XXXX 15 USC 1641 to provide me a copy of wire transfer receivet, cancelled check, ACH evidencing payment for my home insurance policy on XX/XX/XXXX - or any other time I demand explanations why XXXX XXXX XXXX XXXX for my home insurance - and receive all these money back via its XXXX XXXX XXXX, XXXX XXXX I demand to disclose the source of authority who authorized XXXX XXXX to make payments for my home insurance and the source of funds from which XXXX XXXX makes these payments to themselves acting under name of XXXX XXXX XXXX. 

I demand to disclose the name and direct contact information of an authorized employee who made this payment and who can verify it. 

I demand to provide me the name and direct contact information for the Creditor who owns the account receivable from which this escrow payment was made.

I demand a copy of the ledger of this account receivable evidencing that payment for my home insurance was made from my escrow money.
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

XX/XX/2016 - Checked my credit report and found an inquiry from company on XX/XX/2016. I did not put in an application for this company and my credit report should not have been run.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries i did not approved to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian on inaccurate credit reporting on a chapter XXXX bankruptcy and a collection account with XXXXXX/XX/XXXX involving a XXXX insurance bill thats not mine since I had travelers insurance. Experian finally took off XXXX XX/XX/XXXX in XXXX XXXX then placed again in XX/XX/2020 without even sending me a written explanation as required by law within 5 days.XX/XX/XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXXhard inquiries are showing on my credit report and were not authorized. 
I sent multiple certified letters disputing and also froze my XXXX XXXX account. Experian says they used nexus lexis for verification, a third party, impossible since I froze account 1 year ago. I asked for proof, they didnt send me. I spoke to XXXX XXXX, ca bankruptcy court and they said they do not give out information to third parties. 
I filed a small claims court case on XX/XX/2020 against Experian and was told to call them and initiate arbitration. I have called several times to no avail. They say they dont have a legal department phone number and tell me to just mail to them.
Product: Credit card or prepaid card

I was furloughed due to the Covid-19 pandemic. My credit card account went slightly over the account 's limit. Despite not having a job, I went online and paid enough to bring the account under the credit limit but do not have enough funds to make full payments in the next few months so I've applied for a Covid-19 deferment. I thought credit card companies were not going to engage in negative credit reporting and/or charge fees during this time ; however, Citi reported me to the credit reporting agencies as being over the credit account limit and my credit score dropped dramatically. I would like this negative reporting removed.