23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding violations by the three major credit reporting agenciesEquifax, XXXX, and XXXXof federal laws designed to protect consumers, including : 1. 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ) : The credit reporting agencies have failed to ensure the accuracy, fairness, and privacy of my credit information, as required under this law. Specifically : Inaccurate Information : My credit reports contain inaccuracies that persist despite multiple disputes and documentation provided to substantiate my claims. 
Failure to Investigate : The agencies have not fulfilled their statutory obligation to conduct thorough investigations into my disputes within the required time frame. 
Reinsertion of Deleted Information : Information that was previously removed from my credit report after being found inaccurate was subsequently reinserted without proper notification or re-verification, as required by the FCRA.

2. 15 U.S.C. 6805 ( Gramm-Leach-Bliley Act - GLBA ) : The credit reporting agencies have not adhered to their responsibilities under the GLBA, particularly regarding : Safeguarding of Sensitive Information : The agencies have not properly secured my sensitive consumer information, leaving it vulnerable to unauthorized access. 
Breach Notification : I have not received proper notification of potential breaches or unauthorized disclosures of my personal data.

3. 16 C.F.R. Part 313 ( Privacy of Consumer Financial Information ) : There appears to be non-compliance with privacy regulations, including : Unauthorized Sharing of Information : Nonpublic personal information has been shared with third parties without my explicit consent, in direct violation of privacy rules. This is Identity Theft Harm Experienced These violations have caused significant harm to me, including : Denial of Credit : I have been denied financial opportunities due to inaccurate credit information. 
Emotional and Reputational Damage : The ongoing inaccuracies and breaches have caused undue stress and harm to my reputation.

Financial Burden : I have incurred additional costs and time in attempting to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX  : {$8400.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.
Product: Money transfer, virtual currency, or money service

I have called numerous times to USAA regarding a check that was mailed out to me specifically... It was processed, approved, and cashed into an account that was NOT UNDER MY NAME. I have called multiple times per month, with no action taken whatsoever by the approving bank. This was a check regarding student college refunds for the amount of {$3100.00} and deposited on XX/XX/XXXX, again, to an account that was NOT MINE. I was not contacted by the check issuer, nor by USAA that this check was deposited. I was not aware of this check 's existence until XXXX of XXXX and have tried with the original issuer ( XXXX XXXX ), the school ( XXXX XXXX ), and USAA to get this resolved but I believe USAA is to be held responsible for the approval of a check into the incorrect bank account with researching beforehand. I was told I would be reached out from USAA regarding this issue. I have contacted USAA 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, XX/XX/XXXX, XX/XX/XXXX, all of XXXX. Consistently asking for approval reason into the incorrect bank with no answer. USAA Has said no contact was attempted to reach me.
Product: Debt collection

there were inquires in my credit report that was not authorized by me. 

XXXX XXXX Date XX/XX/2019 XXXX XXXX XXXX XXXX Date : XX/XX/2019
Product: Payday loan, title loan, personal loan, or advance loan

We have a loan through TD Bank from XXXX XXXX XXXX. We have spoken in detail with TD Bank customer service regarding the loan. The issue is that the minimum requirement is {$26.00} and since we have had this account we ALWAYS pay more than the minimum due. Since the inception of this loan we pay hundreds each month and TD Bank has charged us {$26.00} for a late fee if not paid by the XXXX of each month. We continue to call TD Bank each month to dispute this " late fee of {$26.00} '' even though the prior month we usually pay any where from {$100.00} to {$200.00} dollars. We stated to TD Bank that they are essentially charging us a pre-penalty fee. According to TD Bank, our payments are due on the {$26.00} on each month regardless of how much money was paid the month before. So on the XXXX of this month, we paid another {$100.00} and we checked our online account and already a fee of {$26.00} was assessed on our account. After speaking with TD bank today, we inquired about a grace period. It has now been brought to our attention that they do not have a grace period and they are unwilling to correct their accounting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX never late XXXXXXXX XXXX never late XXXX XXXXXXXXXXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX   XXXX {$430.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized
Product: Debt collection

XXXX XXXX XXXX ) is attempting to collect a debt from HSBC that was discharged in bankruptcy. They have called me and several members of my family. They have threatened to serve me legal papers at my home or work, but they don't know either address. Their only information is out of date ( 10+ years ). When I contacted HSBC about it, they said they haven't heard of the company and they didn't hire them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in XXXX. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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.
Product: Vehicle loan or lease

Hello I requested a 2 month extension 12 months ago ( XXXX ) and was told I can request again this year. I told after XXXX XXXX XXXX payment posted I could request 2 month extension. On the call I told representative that I need it for repayment of state taxes. I was told the manager will only approved 1 month. I was told that taxes doesnt qualify, but was what I advised them same issue last year when requested 2 month extension XXXX. I asked for supervisor XXXX told me there policy never changed its one for natural disasters to get the extension. The supervisor said she was the manager when I asked for a manager. Also stated also was no manager on the floor, but she was the manager. I asked her to review last year call and she refused said can not speak for the other representative but she is supervisor and manager. she told me taxes doesnt qualify because we all pay taxes. I feel was treated unfairly and believe that are offering or giving extensions bae on their own personal decisions. I did get 1 month extension only. I was piput back on phone with XXXX the original rep what told me u can only pay with debit card, when last year I paid online with check. I believe they are participating unfair workflow. 



I understand extensions are a courtesy but they need to be consistent on their policies. I would like my account to be reviewed from last year extension and this year. Also should be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inquires on my credit report and you guys said they're authorized and they are NOT! 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I just recently looked at my Transition credit report ( XXXX XXXX : XXXX ) on XX/XX/XXXX. I saw some hard and soft inquiries that did not have permissible purpose. 

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 XXXX XXXX : Requested On XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX FIRST XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AXXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been trying to resolve an outstanding debt so that I can get it removed from my credit report and hired an attorney to negotiate the debt for me and they said " We've been informed by the creditor that the file is now closed and non-collectable. They're not taking any offers on the debt. It could be that it just aged to the point that they can no longer do anything with it legally. You may try to dispute the debt with the credit bureau that it appears on. If it's old enough it should " fall off '' the report. '' - My Attorney XXXX XXXX XXXX Nothing has " fallen off '' my credit report and I want it removed from the 3 credit agencies so that I can rebuild my credit. The law firm " XXXX and XXXX '' last represented the debt for Calvary Portfolio Services '' and that is who told the attorney that it is closed and non- collectible.
Product: Checking or savings account

I received a refund check from the IRS Department of the Treasury. I signed the check over to my daughter and we went to deposit the check at our local PNC branch in XXXX XXXX, NJ. She told the teller that the check was being signed over to her and the teller, in an attempt to get out of doing work, inappropriately told her to deposit through the ATM. The check was not accepted bc it was in MY name and the teller knew this. 
PNC then send me a LEGAL COPY of the check, not the actual check. The US Dept. of the Treasury DOES NOT honor legal copies of checks. ( I found this out later. ) PNC, however, accepted the legal copy of the check for deposit. Why do their employees NOT know that this is the case with IRS refund checks? 
PNC then sent my daughter a letter stating that there is a 5-day hold on the check. When she called The PNC Deposit Center, they stated that the check was NOT going to be accepted because the IRS/Dept . of Treasury will NOT honor a legal copy. But PNC has the original copy in their ATM ... 
At this point, PNC has done absolutely nothing to remedy this matter that they caused. I am being told by the IRS that PNC must return the funds and they state they don't have funds. The managers at the branches have been useless and my family has no money to live on as I do not return to work until XXXX. PNC hires XXXX and does not train them well. They have no idea how to handle banking. 
My family and I are left destitute now and we won't be able to get the check reissued for 4-6 weeks.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a error on my credit report with XXXX. A collection agency is attempting to collect a dept that is inaccurate. I was given a generic copy of a invoice with no information  on it other then, final balance due. I have no idea what the charges are for and cannot get a itemized bill. My final.bill with XXXX was paid. They now claim I owe over $3000 yet, cant send me a itemized bill. I never received the credits from my phone they were supposed to buy back from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. I demand that they're removed immediately! By law, I have the right to do so and I demand for that to happen ( 15 U.S. Code 1681i, Paragraph 5 ) with XXXX XXXX added to my credit profile within 30 days of this matter being opened. I DO acknowledge the inquiry from Capital One Bank on XX/XX/XXXX as I, XXXX XXXX applied for " Quicksilver Credit Card '' and was approved for a line of credit {$750.00}. I can NOT acknowledge these XXXX inquiries below and once again I DEMAND they're taken off my credit report. This is a cold sense of Defamation of Character due to me having these unknown/unauthorized inquiries on my credit report it seems as if I've been applying for things in a earlier stage than I was suppose to and I am very responsible credit holder. Please understand the severity of the situation and complete the deletion of these inquiries, Thank you! I have reviewed my credit profile and noticed unauthorized Inquiries on my credit report. 

Law Backing Truth : ( 15 U.S. Code 1681i, Paragraph XXXX ) Inquiries : Capital One Bank, N.A on XX/XX/XXXX Capital One Bank, N.A. on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiries : Capital One Bank, N.A on XX/XX/XXXX Capital One Bank, N.A. on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX 2024