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

I looked at my credit report a few days ago, and it showed 8 unauthorized credit inquries on my report which I didn't make or authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been harassed and bothered by debt collectors for accounts I didnt opened. Family has been harassed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

Cavalry SPV I , LLC garnished my wages from my check I work hard for! Ive never borrowed money from them and it claims I owe them {$18000.00} plus 12 % interest and {$15.00} court cost. Ive never been to court and Ive never borrowed money from them! Im a US citizen and I feel like Ive been scammed by them and the court system! I have constitutional rights and I feel they have been violated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX XXXX, transunion, and XXXX. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law XXXX5 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting inaccurate information
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here are the hard inquiried I have asked you to verify as accurate : Inquiries & Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were never authorized. I do not recall approving these inquiries. Please provide documentation proving that I approved these inquiries. They are affecting my ability to obtain credit. I would appreciate it if you would show proof that I authorized them or delete them from my reports. Transunion, XXXX and XXXX failed to investigate these inquiries properly after I repeatedly asked via written request to have the inquiries removed. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following inquiries : Inquiries & Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 entered into a consumer credit transaction with American Express on //. A consumer credit transaction in which a finance charge was involved. Pursuant to 15 U.S. Code 1605, the finance charge in question is not to include charges of a type payable in a comparable cash transaction, but American Express is attempting to take cash. Also, Pursuant to 15 U.S. Code 1643 ( d ), I am not liable for the unauthorized use of my credit card. The charges are unauthorized as I, the cardholder have received no benefit.
Product: Credit reporting or other personal consumer reports

My Personal and private information was bought and sold illegally, because I was a victim of the Equifax data breach. I want these items deleted immediately. I am attaching proof of Equifax admitting that my personal information was released during the data breach, which was the result of their failure to fix a patch in their security system, and to this date Equfiax has provided no remedy. Please Help me delete these illegal accounts from my credit reports. 

Dept of ED/XXXX  - XXXX Dept of ED/XXXX  - XXXX Dep of ED/XXXX  - XXXX Dep of Ed/XXXX  - XXXX Dept of ed/XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The following companies have asked for credit information AND I have not asked for credit or anything. When I called these companies they say it wasnt them. The following companies & dates follow XX/XX/23. XXXX  XX/XX/23. XXXX  XX/XX/23 XXXX XXXX XXXX XX/XX/23. XXXX XXXX XXXX  XXXX
Product: Mortgage

Talked to a few of the representatives from this company, and explained my issues of trying to pay my mortgage online, like I used to do when they where Suntrust, and had no issues, now can not do this online, and then I have to get on the phone and it takes me anywhere from 18 to 35 minutes to pay my mortgage, Totally Unacceptable.
Product: Debt collection

My Federal Loan Servicer, Great Lakes Educational Loan Services ( GLELS ), created a new Unemployment Deferment form OMB No. XXXX ( Expires XXXX/XXXX/2018 ), which authorizes " them '' to contact me " only '' by cell phone on page XXXX of the form. I " only '' want to be contacted by GLELS through the U. S. Postal Service and I want my loans discharged according to the discharge clause in " our '' Master Promissory Note contract, where I was a victim of crimes by the University XXXX XXXX XXXX XXXX ( XXXX ) employees. 

I have asked that my Federal Student Loans be discharged due to the beating, discrimination, and fraud I suffered from employees at OUHSC. Therefore, I am registering a complaint about this form with the Honorable Senator XXXX XXXX ( XXXX ). Furthermore, I am writing President-Elect XXXX and President Obama about this matter requesting my student loans be discharged and those that committed crimes against me regarding this matter be immediately arrested.
Product: Credit reporting or other personal consumer reports

There are new hard inquiries showing on my credit profile that I did not initiate or give my consent to. Those inquiries include but are not limited to the following companies. 


XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I got fraud alerts from my credit monitoring. There were 2 hard inquiries made with my information to : 1. Barclays Bank Delaware on XX/XX/year> and XXXX. XXXX XXXX on XX/XX/year>. 
Both of these were fraudulent and not me. I notified of the parties above and there has been no resolution to remove these from my credit report. 
I am requesting deletion of these hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect payment information for my mortgage with XXXX XXXX. They are reporting the entire XXXX as late when my mortgage was in a Covid forbearance. The months should be reporting as " current '', pursuant to the CARES Act section 4021 ( see policy attached. ) I disputed this error with Transunion through the XXXX XXXX XXXX on XXXX, XXXX. Transunion responded and conclude that after their investigation, the late payments have been updated to " current '' ( see letter from Transunion attached. ) I was sent an updated credit report reflecting these changes. XXXX months later the incorrect late mortgage payments were reinserted. Not only that, I was not made aware of this reinsertion pursuant to FCRA section 1681 ( see policy attached. ) As a result of not being aware of the reinsertion of the incorrect XXXX XXXX late payments, I gave my employer permission to review my Transunion credit report as part of criteria to be approved for a promotion I was eligible for. Needless to say, I was wrongfully denied my promotion as result of the XXXX XXXX payment errors. This is not only embarrassing but infuriates me! I was also denied an auto loan after my vehicle was totaled recently. 

Additionally, Transunion is reporting " N/A '' for XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX payments when these months should also be reporting as current because they were made on time. 

I have submitted a complaint with the Illinois States Attorney General 's office, CFPB, FTC and the Better Business Bureau today. If this matter is not resolved promptly my next and final step will be consulting with a consumer rights attorney and filing a a federal civil lawsuit. Transunion has caused me a great deal of undue emotional and financial distress. They have violated my consumer rights to the max with their stall tactics and willful noncompliance to the FCRA and FTC consumer policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my amazement saw that XXXX XXXX XXXX   have decided to report me past due on this account in XX/XX/2015. I have previous credit reports from both agencies pulled in XXXX of 2015, and neither one of these reports show me late in XX/XX/2015. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately. 

Please correct this listing to paid as agreed never late, and remove the past due for XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service Research XXXXXXXX XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( Transunion ) and XXXX ( XXXX  ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ).

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXXXXXX XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State Department of Financial Services at www.dfs.ny.gov and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I made a payment of XXXX. I have the statement showing I made the payment from TD bank on my XXXX account but are refusing to apply it. I have called and emailed many times bank says they can not track payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Act says that positive / negative accounts should be removed after 7 yrs. if they've been paid off. I have several accounts that show as paid that are now past 7 yrs. I would like these accounts removed from my credit report. They're neither helping or hurting my credit, so pointless for them to be showing any longer. Please remove the below accounts : 1. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 2. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 3. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 4. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$8400.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$16000.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3400.00} 12. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 13. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2700.00} 14. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00} An old inquiry that should've been removed with XXXX done on XX/XX/XXXX. 

There is simply no logical reason for these items to be left on my report creating pages and pages of nonsense to have to sift through. I like my reports up to date. Please remove all 14 of those paid off student loans and the outdated inquiry. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr They have the wrong name associated with my social security number, email. My name is XXXX XXXX XXXX. They continue to address me as XXXX XXXX XXXX XXXX. I have lost over {$20000.00} in income due to their continued failure to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that the XXXX, & the XXXX, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXXXXXX XXXX '', which is the all caps version of my XXXX name which is in fact a XXXX previnusly associated with a " public office '' in the United States XXXX  by virtue of the Social Security XXXX attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT XXXX TO HONOR XXXX GIVEN RIGHTS {$20000.00} XXXX {$5000.00} XXXX HONOR/NO BOND {$5000.00} XXXX XXXX XXXX ADDRESS {$5000.00} XXXX TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR XXXX {$50000.00} XXXX TO PRESENT A INJURED PARTY {$100000.00} XXXX PER OCCURRENCE AND INCLUDES ANY XXXX PARTY {>= $1,000,000} XXXX IN COMMERCE PER OCCURRENCE AND INCLUDES XXXX PARTY DEFENDANT {>= $1,000,000} XXXX EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, XXXX ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A XXXX AMENDMENT WARRANT. VIOLATION OF THE XXXX AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX I on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

ALL OF THESE INQUIRIES REPORTING IN MY ACCOUNT ARE NOT FAMILIAR WITH ME AND AND SOME OF THEM ARE REPORTING REPEATEDLY IN EACH CREDIT BUREAU. I COULDN'T APPLY FOR ANY LOANS BECAUSE OF THESE INQUIRIES THAT SOULD NOT BE THERE AND IT'S STRESSING ME OUT
Product: Credit reporting or other personal consumer reports

Identity theft on these accounts XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$720.00} written off. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$43.00} Status Collection account. {$43.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$100.00} Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$51.00} Status Collection account. {$51.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests for my birthdate to be corrected on my Equifax credit report. I have been requesting the change since XX/XX/2021. It has not been changed yet.