davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I HAVE BEEN DEALING WITH THIS SITUATION FOR THE LAST 5 YEARS. AS PER YOUR RECORDS, IT CLEARLY SHOWS THAT I'VE FILED SEVERAL COMPLAINTS IN THE PAST TO NO AVAIL. I ENTERED INTO A LOAN MODIFICATION IN XXXX WITH XXXX XXXX XXXX. I MADE SEVERAL PAYMENTS ON THE MODIFICATION, I WAS TOLD BY THE REPRESENTATIVE THAT MY REGULAR PAYMENT OF {$780.00} WILL BEGIN XX/XX/XXXX, DO NOT MAKE THE FIRST PAYMENT UNTIL I HAVE RECEIVED MY SIGNED EXECUTED MODIFICATION DOCUMENTS. SEVERAL MONTHS WENT BY, EACH TIME THAT I WOULD CONTACT XXXX I RECEIVED ONE EXCUSE AFTER THE OTHER AS TO WHY I HAVE NOT RECEIVED THE EXECUTED DOCUMENTS. NUMEROUS OF PHONE CALLS WERE MADE TO CHASE AND THEY LEAD ME TO BELIEVE THAT THEY WERE HAVING DIFFICULTY WITH THE DOCUMENTS BUT I WILL RECEIVE THEM SOON. XXXX OF XXXX, I WAS SERVED WITH FORECLOSURE PAPERS. I CALLED XXXX TO FIND OUT WHAT WAS GOING ON, AND A WEEK LATER, I RECEIVED THE EXECUTED MODIFICATION DOCUMENTS. BY THEN, XXXX REFUSED TO HONOR MY MODIFICATION BY TELLING ME THAT IT HAD ALREADY BEEN MODIFIED. NOT TRUE!! I SENT SEVERAL LETTERS TO XXXX XXXX XXXX EXECUTIVE OFFICES, HOWEVER, NO HELP. THEN IN LATE XXXX AFTER COMPLAINING TO CHASE MANY TIMES, MY LOAN WAS TRANSFERRED TO SELECT PORTFOLIO SERVICING. I'VE BEEN ON A ROLLER COASTER RIDE WITH THEM AS WELL. THEY CONTINUE TO TELL ME TO APPLY FOR A MODIFICATION, BUT THEN I AM DENIED BECAUSE OF THE ERRONEOUS INFORMATION THAT XXXX CONTINUES TO REPORT. 

I NEED A RESOLUTION, NOW!!! MY HOME IS SCHEDULED FOR SALE AS OF XX/XX/XXXX. I WAS RECENTLY DENIED FOR A MODIFICATION AGAIN WITH SELECT PORTFOLIO SERVICING. THEY DID NOT COMPUTE MY FULL-TIME AND PART-TIME INCOME. WHEN I COMPLETED THE RMA, MY PART-TIME INCOME WAS MISSING. WHEN I SPOKE WITH THE REPRESENTATIVE IN XXXX, SHE VERIFIED MY INFORMATION BY PHONE, SHE STATED THAT SHE WOULD ADD NOTATIONS TO REFLECT THE INFORMATION REGARDING MY PART-TIME JOB, FULL-TIME JOB AND MY HOA DUES. 

ALL OF THIS INFORMATION WAS EMAILED TO THEM. I HAVE SINCE APPEALED THEIR DECISION. THEY ARE TRYING TO TELL ME THAT MY INCOME ISN'T SUFFICIENT FOR THE PROPOSED PAYMENT. WHAT IS THE PROPOSED PAYMENT, THAT WASN'T CONVEYED TO ME. NOT TO MENTION THE FACT THAT SEVERAL ARE SEVERAL OPEN LAWSUITS AGAINST XXXX FOR THE VERY SAME THING OF NOT PERMANENTLY MODIFYING MORTGAGES WHEN THEY HAVE AGREED TO DO SO. 

I AM ABOUT TO LOSE MY HOME TO NO FAULT OF MINE. I REACHED OUT TO BOTH LENDERS TO RECEIVE THE HELP THAT I AM ELIGIBLE FOR BUT CAN NOT RECEIVE THE ASSISTANCE. I NEED SOME ONE TO INTERVENE IN THIS MATTER BECAUSE IT IS NOT FAIR THAT I AM LOSING MY HOME BECAUSE THESE LENDERS DON'T WANT TO HELP. IT SIMPLY ISN'T FAIR. I NEED HELP.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX  on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX  on XX/XX/XXXX 5-XXXX XXXX XXXX   on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX   on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX  on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On EXPERIAN : 1-XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX  on XX/XX/XXXX 9-XXXX XXXX/XXXX  on XX/XX/XXXX 10-XXXX/XXXX  on XX/XX/XXXX On XXXX : 1-XXXX/XXXX   XXXX XXXX  on XX/XX/XXXX 2-XXXX XXXX XXXX on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX  on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX   XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit score was lowered by TransUnion which supplies information to XXXX  XXXX XXXX. The reason was too many open accounts. I am Retired and only owe what is currently on my credit cards. The accounts total that are open has a XXXX balance which I paid off in full and another account with XXXX balance which XXXX of it has a XXXX interest promotional component for a year. My score went down with XXXX open credit card accounts. XXXX had balances nowhere near my limit. If you have XXXX accounts open with around XXXX balance out of XXXX in credit and never failed to pay on time how can TransUnion downgrade my credit?
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX  on XX/XX/XXXX two times &  XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On TRANSUNION : 1-XXXX/XXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent disputed documents in XXXX, XXXX and XX/XX/XXXX to all three credit burueas TransUnion, XXXX and XXXX  disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (DE)

XX/XX/2023 Applied for Hyundai Loan. Consented for Credit report must be pulled just on this date ( applicable to just for 10 minutes, due to the situation that we were forced to purchase a vehicle at XXXX XXXX on XXXX ). Hyundai used a CREDIT SCORE ( no model name ) to price against FICO SCORE leading to credit discrimination XXXX XXXX leveraged my personal information collected on XX/XX/2023 and made an unauthorized hard pull without my consent. 
XXXX I applied for a loan for personal emergency, that loan was denied and later approved for exorbitant 20 % APR costing me more than XXXX XXXX at the end of the term. The reason for denial is due to excessive hard pulls in my credit file. Hyundai is directly responsible to cause excessive hard inquires on my file.

Hyundai has been evading all my emails and calls. My requests to Hyundai Senior executives have not been heard. Hyundai has treated me very poorly and made discriminative comments. I opened several cases and all of them were resolve without evidence and proper resolution. 

Hyundai to address following noncompliance items or provide reasonable supporting written document for each stature to support Hyundai is complying.

1. FCRA ( Fair Credit Report Act ) 15 USC 1681b Permissible purpose a. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & b. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 2. REG B ECOA violation Credit Discrimination 3. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation in line with # 3. Deceptive because multiple Hyundai divisions making hard pulls without disclosure. Unfair because XXXX XXXX used on a XXXX risk-based pricing grid thus adding to credit discrimination. 
4. TILA ( Federal Truth in Lending ) - requires that borrowers receive written disclosures about important terms of credit before they are legally bound to pay the loan.

5. Fraud and Identity theft ( Hyundai was authorized to use my personal details just for XXXX not forever/Indefinite. Thus, it is more than just negligence. Hyundai is aware technology can be leveraged ; however, Hyundai did not set controls for the purpose of profits. That is a clear intent to cause damages to consumer
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On EQUIFAX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXX  XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX  XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXXXXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On XXXX : 1-XXXX/AXXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX  on XX/XX/XXXX 6-XXXX XXXX XXXX  on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (SC)

I have had a Chase Freedom credit card for a long time. Chase recently sent emails notifying Freedom cardholders that they would be upgraded automatically to Chase Freedom Unlimited. They proceeded to run a hard credit check for the automatic upgrade, which I believe might be illegal. My credit is frozen, so they sent me a letter through online account that the application was denied. I've spoken with Chase Card Services already. I don't want to lose my current credit card, but I am not willing to have a hard credit pull for this Product Change.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I apply back in XX/XX/XXXX ( Ref : XXXX ) for a green card from american express that offer XXXX rewards point after I spend XXXX in three months, I spend the money and I didn't received my points, I called at the beginning of XXXX and they told me that my application was not associated to that reward points offer, I wait to paid the statement of XXXX to see if after the 3 months they apply my points reward and nothing was applied, On XX/XX/XXXX I was in the chat with a supervisor and they said the same, and that they will open and investigation about that. I just finish to chat with american express again and the said the same that the investigation is open and that they didn't see link to my application the welcome offer. I have the gold car from american express and with this card I have the same or best Amex Offers & Benefit than with the green card. the only reason that I applied for the Green was for the XXXX points offer, and they said now that the benefits from my application in that card was the XXXX fee annual the first year, that its ridiculous how i'm going to apply for a card that only offer XXXX annual fee the first year?
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NH)

On XX/XX/2020 I booked a vacation with my Citicard credit card for {$970.00}. This was booked through XXXX. Due to the COVID-19 outbreak my trip was canceled by XXXX- including my XXXX, I do not even have a voucher for the XXXX XXXX XXXX ticket. I disputed the charge through Citicard as when I contacted XXXX for the refund I was told to go through my credit card company for the refund, this is also posted directly on XXXX website. I received notification on XX/XX/XXXX that Citicard would Not be refunding me my money. How is this possible when the trip was canceled by XXXX  ( not by me ) and XXXX is starting to contact the credit card company because XXXX never actually paid anyone?
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX, XXXX, VA I contacted who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX