23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've submitted several certified letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( documented- time stamped certified letters ) to TransUnion regarding the request to remove fraudulent inquiries from my credit report along with a FTC Fraud Affidavit and police report. I 've recently submitted a certified letter XX/XX/XXXX regarding my final written offer of SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve their continued violation of the Fair Credit Reporting Act regarding their refusal to delete FRADULENT INQUIRIES from my credit report, but, again no response and it has now been 30 days. 
TransUnion has my ID Theft Affidavit and police report. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the FRADULENT INQUIRIES below are not deleted immediately. 

I would like the FRADULENT INQUIRIES below deleted immediately. 
XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The EXPERIAN credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified collections isted below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against all 3 credit bureaus : XXXX, XXXX  and Experian. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX claim as a last warning in case that account still reflects on my credit reports.
Product: Money transfer, virtual currency, or money service

My concerns with Zelles handling of disputes inline with the newest lawsuit
Product: Debt collection

This business Third Party debt collector Federal Adjustments Bureau Company reported an alleged debt due owing to them. According to my to my records they have never been a creditor of mine and upon severaI request I asked and demanded verification and validation for the debt owed to them as well as the credit bureaus but no changes have been made. I noticed this company intruded into my personal credit file without my authorization, which constitutes a negligent violation. In reference to this matter I 'm requesting that Federal Adjustments Bureau Company be removed from my report. I have no legal binding contracts or agreements with this business.
Federal Adjustments Bureau Company acct. # XXXX {$3100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ), by phone once ( early XX/XX/XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the equal fax and XXXX ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are nowXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.XX/XX/XXXXThese payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy inXX/XX/XXXX and were out XX/XX/XXXX.
Product: Student loan

My debt burden on my student loans is high. I contacted Navient this morning to ask about lower payments on private loans for which I have a co-signer. XXXX XXXX XXXX in collections explained that he would have to pull the credit report of both me and the co-signer in order to see if lower payments were possible. I explained that I wanted to address this on my own as I did not want to burden the co-signer with having their credit report pulled and them having to produce financial statements, etc. XXXX XXXX said then I have to pay the loan as is and reminded me that I am 10 days past due and demanded a time certain when the bill would be paid. I said to XXXX XXXX that I would pay when I could. He then said that since I am " refusing to pay '', collection efforts would continue and the co-signer would continue to be called. I said, XXXX XXXX I have not indicated a refusal to pay. I have said I will take care of it when I can. XXXX XXXX got aggressive and belligerent and threatened to terminate the call. I told him I am now recording the conversation. He said that I did not have permission. I replied, then you do not have permission to record me either. He continued his aggressive language and threatened me with more collection efforts. 
I am baffled that : 1 ) My loan is 10 days past due and I am being treated like a criminal by Navient 2 ) I am willing to pay, ask for a reduced payment amount and Navient is making it difficult. 
3 ) XXXX would take on such a aggressive demeanor when I called to find out about payment options for a bill that has not even gone 30 days past due. 

The interaction with Navient is XXXX and need not be.
Product: Debt collection

I had a 3 year lease with Honda Financial ; completed in XXXX XXXX. Every payment was paid in full on time ; never missed. 
Car was in accident the beginning of XXXX ; which turned into a " total loss '' Insurance Company sent Honda Financial insurance check beginning of XXXX. 
Honda assessed an {$1800.00} balance ; consisting of {$500.00} insurance deductible and " excess mileage '' In meantime, Honda Financial sent an " estimate '' - not a bill for breakdown of total. 
Honda began their calls with a demand of payment in full or my " they '' would report to credit bureau. I did not receive a bill yet, and when " Collector '' verified what the letter was to state ; was n't due yet. 
I have since sent {$500.00} for deductible and made arrangements to pay balance in XXXX installments ; ending XXXX XXXX. 
I continuously receive calls for payment 4 times a day, including today, Saturday. 
I have asked for " Caller '' to read the arrangement in the notes ; stop calling and asked for Supervisor. 
I am told not Supervisor is available, a request will be submitted on my behalf, I have been hung up on after repeating same request. 
In addition, each call begins with ... '' What is your DOB and address to verify we 're speaking with correct person '' - Meanwhile, this is an incoming call - who gives out information on incoming calls? 
I just want Honda Financial to stop calling multiple times a day. I did the right thing and made arrangements ( outside another issue that I do n't know why I am paying Honda for excess mileage on a totaled vehicle ).
Product: Vehicle loan or lease

Amortization schedule shows delayed payment.. I've been sending regular mail to Hyundai Motor Vehicle finance since XXXX!! 
Never ever a problem XXXX XXXX XXXX.. XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ... no problems ever mailing to. 
Hyundai Motor vehicle Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX another new XXXX. no problem except for the Finance manager salivating excessive Greed when I refused warranties. 
While signing the contract. By the way my XXXX hyundai XXXX trade in.. XXXX up sidedown. Added on to my new Hyundai XXXXXXXX XXXX contract. Geez ... thx? 
3rd car purchase.. 
Never a problem... 

Enter XXXX... missing mails? Delayed payment credit applying to principal. 
Wasn't too concerned based on favorable Tenure since XXXX no alarm bells. 
Enter XXXX... 
Several more hiccups... numerous calls madr asking someone in the XXXX? Who doesn't disclose their Real Name about my missing or malfunctioning ..account credits. 

Enter XX/XX/XXXX payment mailed... 
Gone.. poof... now we're in XXXX XXXX 
And still no payment received. So I mail XX/XX/XXXX payment... 
And I file complaints online to uses and actually drove to XXXX post-office spoke w postmaster XXXX and XXXX XXXX.

XXXX XXXX  payment artives.arrives.. 3 days later XX/XX/XXXX miraculous appears! @! Yeah right? 
Wrong! 
So I send XX/XX/XXXX payment certified mail. 
Now I'm suspect of the receiver at XXXX XXXX XXXX XXXX XXXX XXXX. Well my payment arrives XX/XX/XXXX. At XXXXXXXX XXXX. Verified by XXXX manager at XXXX post office ( XXXX ) XXXX ... I also have copies of the certified Mail Receipts!! 
Hyundai doesn't apply credit to my account til XXXX XX/XX/XXXX!!!!! Wow. 
So now I went to XXXX XXXX XXXX where I have my checking account. 
We discover Hyundai Motor Finance a ACH method of cashing the check... there's no paper trail. It's cloaked accounting on a simple interest loan..wow.. new and improved? Safe n effective.. lol.. 
I send a paper check regular mail for a purpose! It establishes a paper trail ... hello.. Check N Balance? Right? A paper trail!!! not some phatonm digital easily manipulated ... cause after many many years of good business.. I see a dramatic difference recently with this " ACH '' gimmick of no accountability. I have the paperwork and managers of the usps to stand by my accusations of bank fraud! Breach of fiduciary relationship. Bank manipulation of a simple interest loan by AcH cloaked accounting ... thank-you Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was checking my credit report and I see there were a few late payments. This information affected all my credit history. I was paying as agreed all the time. I always responsible and taking care of all of my payments. I believe it was something wrong with the payment system maybe. I would like to ask you to remove these late payments from my credit history. I promise that I will make payments on time. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting

I 'm a victim of identity theft someone else took my information and opened up lots of accounts in my name that I did n't even know of until I check my report and saw all of it, this is really XXXX me. The name of the company is XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX  Account Name : XXXX Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account Name XXXX XXXX CRED XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company (XX/XX/XXXX and XX/XX/XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX, Hello, I am a middle class women stationed in Georgia and I am the sole care provider for my family of XXXX. As you are aware, credit is key in Americas financial system and I am currently looking to upscale my home and put it on the market at a better price and then finally purchase a home feasible enough to the liking of all my children. With this process, I will need not only funding but a suitable credit score to get approved for my new home loan. Needless to say, I went on a hunt to obtain all three credit reports. And I've noticed multiple pieces of inaccurate information being reported on my EQUIFAX credit report so I figured that I will bring it to the agencies attention sooner then later. These inaccuracies consist of hard inquires that I don't have active accounts under. They are listed below... 
XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX S Inquiry : XX/XX/ 2023 XXXX XXXX XXXX Inquiry : XX/XX/ XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX  S Inquiry : XXXX. XXXX, 2023 XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX  XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX S Inquiry : XXXX. XXXX, 2023 XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2023