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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S. XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, Inc. ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

This company is breaking the low by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}! They must either compensate me or remove these accounts immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Submitted a report to Equifax regarding my name is incorrect and address is incorrect I have a complaint number ID but when I dialed the number to try to get an agent you are unable to speak to someone due to the call keeps dropping. Ive tried calling them several times during their new hours of operation due to COVID. They sent me an email saying I have new information but Im unable to speak with any agent due to Equifax disconnect the call when holding for an agent. The number Ive dialed is ph # ( XXXX ) XXXX which is the # they have on their system to call. I am unable to use the automated due to my address is incorrect and the system want you to input your street # as verification.
Product: Debt collection

Please send prove of my written consent and original agreement and contract sing by me and the creditor also I did not sign any agreement with you I dont owe you any money even if you purchase debt for XXXX so please send the agreement with you and the creditor sign by you and the creditor or remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Debt collection

In XX/XX/XXXX I opened an account with XXXX wireless service, with XXXX phone lines. The second account # XXXX was charged off and closed in XX/XX/XXXX. The first account # XXXX account has been " sold '' XXXX to a collection company. The problem is once a collection company gets the account it reports the date of when the account went bad to the date that the collection company bought the debt. A collection company named Pinnacle, is using XX/XX/XXXX as the reporting date. I have asked for proof from the credit reporting agencies. I received a letter from XXXX saying that they have conducted an investigation and that the information they received from XXXX was accurate. I am requesting a that your agency request the information, I am confident it will show that this XXXX account is past the time to be reported in a credit file. And In am requesting that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, challenging their reportability according to the FCRA and the accepted STANDARD of metro 2 data field reporting. 

Federal and state laws mandate accurate and complete reporting of allegations, and it is inappropriate to report unlawful claims. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage, and if lacking, I expect its removal from the report Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ncorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ncorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX mployer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Pursuant to 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX XXXX, the consumer is aware that credit was extended using affiant 's credit card as defined in 15 USC 1602 ( l ) I, the consumer has ceased communication with Navy Federal Credit Union and through ANY medium.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX XXXX XXXX - Incorrect
Product: Credit reporting or other personal consumer reports

I filed a complaint against Navy Federal Credit Union on the basis i believe I was wrongfully denied credit this establishment. Further, I believe Navy Federal Credit Union did not follow standard protocol in reaching a decision in determining my creditworthiness. According to the letter received from Navy Federal Credit Union, Quote : " We used a credit scoring system that assigns numerical value to various items of consumer report information we consider in evaluating a member 's creditworthiness. These numerical values are based upon the results of analyses of repayment histories and behaviors of large numbers of members. This system creates a proprietary Navy Federal credit score for each credit card applicant with consumer report information on file. We did not use your credit score from a consumer reporting agency, but rather used a proprietary Navy Federal credit score in making our credit decision ... End of Quote. It essence, Navy Federal Credit Union disregarded the National Credit Rating system which is standardly used to determine U.S. citizens credit worthiness. But rather used their own discriminatory practices to deny me credit. At the time I applied for credit with Navy Federal Credit Union ; and was denied, my credit score was approximately 678. However the system Navy Federal Credit Union used rated my score at 304. Furthermore, Navy Federal Credit Union admitted that the credit score from the Nationally used credit reporting agency was not used. however, they also admitted my Navy Federal Credit Score reflects information in my consumer report. Therefore, If they did not use my National Credit Reporting consumer information, how were they able to determine their Navy Federal Credit Union score reflects information in my consumer report? These practices are discriminatory and must not be allowed to continue!
Product: Payday loan, title loan, or personal loan

I was under the impression that wasn't payday loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to express my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX Balance Owed : {$400.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information.XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a XXXX balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat XXXX  balance, no exceptions! Your careless mistake is screwing up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP!. XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of XXXX. This information is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.
Product: Debt collection

XXXX XXXXCONTACTED ABILITY RECOVERY SERVICES AFTER RECEIVING THEIR CONTACT INFO FROM ORIGINAL OWED COMPANY/GOVERNMENT AGENCY-XXXX XXXX XXXX ( ACCOUNT OVER 7 YEARS OLD {$540.00} ) TRIED TO VERIFY BALANCE TO PAY. I EMAILED THE NAMES ON THA WEBSITE TILL I RECEIVED A RESPONSE FROM A XXXX. WHO SENT ME AN ACCOUNT LOG OF ACTIVITY VIA EMAIL. 

PHONED ABILITY REACHED A XXXX AND SHE SAID WOULD HAVE TO VERIFY BALANCE BECAUSE THEY JUST RECEIVED ACCOUNT AND BALANCE IS {$650.00} REP PHONED BACK INFORMED BALANCE INCLUDES THEIR FEES. RECEIVED AN ACCOUNT NUMBER FROM REP, NO STATEMENT OR BILL INFO COULD NOT BE SENT OR EMAILED DUE TO NEW ACCOUNT STATUS. AND THAT I HAD TILL XXXX 2024 AND ITEM WOULD BE REPORTED TO THE CREDIT BUREAUS. I AGREED TO PAY ACCOUNT XXXX 2024 AND SHE COULD FOLLOW UP WITH ME @ XXXX. XXXX I PHONED XXXX AND PAID WITH CHECKING ACCOUNT INFO. NO TRANSACTION NUMBER GIVEN. 
XXXX REP PHONED AT XXXX TO INFORM ME MY PAYMENT IS BEING RETURNED TOMORROW DUE TO NOT RECOGNIZED MESSAGE-FROM SHE DIDNT KNOW AND THAT ITEM WAS GOING ON MY CREDIT. I IMMEDIATELY CALLED MY BANK AND WAS TOLD NOTHING PRESENTED/REJECTED AND THEY COULD HONOR NO ISSUES WITH MY ACCOUNT. THIS COMPANY PRACTICES WILL RESULT IN ITEM PLACED ON MY CREDIT REPORT CAUSING HARM-DUE TO ABILITY RECOVERY DISHONEST ACTION OR LACK OF PROPER PROCESSING AND NOT PRESENTING MY PAYMENT, IN ORDER TO PLACE ON CREDIT BUREAUS-WHILE HOLDING MY PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I paid a debt to MNet Financial on XXXX for medical services earlier this year. I received a call from someone today, XXXX, saying I did n't pay it. I pulled up the information on my phone and gave that person the information that appeared in my bank account info showing it was paid. Because the information showed MNet 's phone number she said it was not sufficient to identify in their system. She said I would need to produce a bank statement. I am not going to send a bank statement with my personal information to this debt collector because their system is too antiquated to reflect that the payment was made was made SIX WEEKS ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear CFPB Team, I am writing to formally file a complaint and request the removal of several inaccurately reported late payments from my credit report. This request pertains to my account with XXXX XXXX XXXX, account number XXXX, where late payments have been reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe these reports are incorrect and should be removed based on the following legal grounds : 1. Fair Credit Reporting Act ( FCRA ) : o 15 U.S. Code 1681s-2 : This section outlines the responsibilities of information furnishers to provide accurate information to credit reporting agencies. Any inaccurate or incomplete information must be corrected promptly.

o 15 U.S. Code 1681i : Under this section, consumers have the right to dispute information on their credit reports. Credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Truth in Lending Act ( TILA ) : o 15 U.S. Code 1637 ( b ) : This section mandates that creditors provide accurate billing statements to consumers. Any errors or inaccuracies in billing should be corrected immediately upon discovery.

3. FCRA Section 1666b : This section requires that when a consumer disputes a billing error, the creditor must conduct an investigation and report the results back to the consumer. If the creditor fails to respond within the specified time, the creditor must remove the disputed charge from the consumer 's account.

I respectfully request that you review my case, remove the inaccurate late payments from my credit report, and inform me of the results of your investigation. Enclosed with this letter are copies of my credit report and any additional documentation that supports my claim.

I look forward to your prompt response and resolution of this matter. Please do not hesitate to contact me if you need any further information to expedite this process. 
Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

BMO BANK IS SHOWING AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT. I REACH OUT TO XXXX AND THEY ADVISED ME TO CONTACT THEM DIRECTLY, SIMPLY ASKING FOR REMOVAL OF INQUIRY.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I speak with Equifax Customer Service. They threaten me that my credit reports stay negative for XXXX account in XX/XX/2016 until XXXX ( 10 years ). but my account was closed/paid off. I have a confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  sold our loan to XXXX XXXX on XX/XX/2023. They failed to report this correctly to both Experian and XXXX. Both credit bureaus are showing twice the amount owned on the same house due to XXXX continuing to falsely and illegal report our mortgage with them as open instead of closed. Our reports still show our XXXXXXXX XXXX as open with a current amount of {$270000.00} and with XXXX XXXX with a current amount of {$270000.00}. This shows future creditors that we have an open balance of {$540000.00} and XXXX mortgages which is false. 

A dispute was opened with Experian on XX/XX/2023 and the letter from XXXX showing the sale of the loan was provided. On XX/XX/XXXX, XXXX knowingly, illegal, and falsely told Experian that their loan with us was still open. Experian denied the dispute and kept the information on our credit reports due to XXXX reporting all the information as accurate - open account. Additional information was provided such as the letter XXXX sent to our insurance company asking to be removed from our policy and they are no longer our lender. XXXX knowingly, illegal, and falsely told Experian again on XX/XX/2023 that our loan with them is still open and all the information on are report is current. 

In addition, even thought it has been more than 30 days, XXXX refuses to provide an escrow statement after closing the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX