23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AmSher Collection Services Inc. 

I sent a cease and desist letter via certified mail to Amsher Collection Services who has of XX/XX/2023 violated the law. 

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AmSher Collection Services Inc. 

15 USC 1692C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMTPLY Delete it from all consumer reporting agencies that you have reported this inaccurate incomplete, erroneous and misleading information to at once. 
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. 

15 U.S Code 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies . 
You and your inaccurate reporting have damaged my livelihood. 
( a ) DUTY OF FURNISHERS OF INFORAMTION 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 15 USC 1681 s-2 Says you { AmSher Collection Services Inc. } are a furnisher of information to a consumer reporting agency.

This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
Account number : XXXX XXXX USPS Certified Mail Tracking info : XXXX Latest Update Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2023 in XXXX, AL XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it 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 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6300.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX ATTENTION PEOPLE this website link is a XXXX XXXX XXXX pleases do not give them your personal information or if they ask for you to download a third party app called ( ANY DESK ) DO NOT DOWNLOAD they screen record all your personal information and login into your bank info XXXX XXXX etc They are pretending to be a XXXX XXXX support team and they are not THEY constantly update they contact number on their website every time they scam someone so far its been updated XXXX times or more please spread the word I got scammed out over more than XXXX XXXX XXXX these people behind this criminal act try to get this website blocked on all sites do what you have to do to report this website
Product: Student loan

On XX/XX/2020, I sent a complaint to the ombudsman at Delta Management Associates about XXXX XXXX. The ombudsman has yet to respond to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX PNC BANK XXXX  XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from PNC BANK for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment
Product: Payday loan

Concord resolution has been harassing my phone, employers phone and other members of my family claiming that I took out an online payday loan over four years ago ( 2011 ). they are claiming that I owe the amount of XXXX XXXX and XXXX XXXX dollars. I asked for more information and received a brief letter stating the same information in which I was told over the phone.there are no details as to the date of the loan, the original amount and if and when any payments where made.i do not recall ever taking out a loan and after looking up this company each story is similar to mine saying this is a scam.please help to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used CFPB XXXX, XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low 600s by XXXX XXXX XXXX. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XXXX XXXX, XXXX ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX XXXX. 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XXXX, XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & XXXX XXXX to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, XXXX XXXX DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my 20 years in FLORIDA STATE GOVERNMENT WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the XXXX XXXX XXXX XXXX ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Credit Inquiry Dear CFPB, I am writing to dispute several unauthorized inquiries on my credit report that I believe are fraudulent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in resolving this matter. 
Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian I did not apply for credit with these companies, and I suspect that my personal information may have been compromised. I kindly ask that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Please let me know if you require any additional information or documentation from me to assist with your investigation. I appreciate your prompt attention to this matter and look forward to your response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION FILE NUMBER : RE : Trafficking Block Request Dear Sir or Madam, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



Accounts : Account numbers : Date Opened : XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/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 XXXXXX/XX/XXXX I also see 3 other names on my credit profile which is because of the trafficking. 
I need these names blocked and removed from my XXXX credit Report XXXX XXXX, XXXX XXXX, XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or sex trafficking if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened an business account the week of XX/XX/XXXX online with US Bank. 
I went the local branch on XX/XX/XXXX to activate my debit card and the personal banker told me that my account needed additional information to verify my identity. I told him I have my drivers license but I will bring my social security card in XXXX  days. He told me that my account is now ok and that I can use it, so I made my deposit for XXXX. I wrote 2 checks. One check XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 1 check that was from XXXX XXXX XXXX XXXX  XXXX XXXXr for the deposit. He took my deposit and then gave me the receipt for my deposit. I went back in XXXX days to show him my social security card and then he said he will send it to the back office for me. He then told me in XXXX  days that my account will be closed and the bank has the right to close my account and anytime. I asked him if I can come get my funds, but he told me to the contact the back office. I called and spoke to the back office and also a supervisor and they told me that my account will be closed and I will be getting a cashier check for the closeout balance in XXXX weeks. I also confirmed that with the supervisor. I called back on XX/XX/XXXX and asked where are my funds. I have waited for XXXX weeks, but they told me that my funds are on hold and that a XXXX will call me today and let me know what I can do to get my funds. I called XXXX around XXXX times and they will tell me a XXXX will call you today to let you know what is needed, but I have yet to get any phone call from any XXXX. The hold time is usually around XXXX minutes. I went to the local branch for help and the branch XXXX is really nice, but I dont feel confident that I will be getting my money back any time soon. I have lost interest on these funds for 1 month already. I have taken time off to try to get it resolved, but I havent had any luck. US Bank doesn't want to give me my funds back. Thank you for reading my complaint. Best Regards
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts suddenly appear on my credit report tonight, and Im completely baffled as to why. I review my credit report regularly, and theres never been anything like this. I even tried refreshing my browser, thinking it might be a temporary glitch, but nothing changed. Since the errors didnt disappear, I am asking that the documents I provided be carefully reviewed to prevent any future worries like this.
Product: Debt collection

I have sent this company several letters asking them to substantiate this debt. It is reporting to the credit bureaus and is a misrepresentation of my credit worthiness. I am distressed because it is hurting my ability to obtain credit. The information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.
Product: Money transfer, virtual currency, or money service

I HAVE COMPLAINT NUMBER XXXX WITH SUNTRUST ACTIVE STATUS CONCERNIG MISHANSLED WIRE PROCEDURE. AND ALSO FILING COMPLAIN NOW ABOUT IMPROPER IN INFO ABOUT STAUS OF CREDIT CREDIT CARD PAYMENT PAID IN FULL TO SUNTRUST NOW TRUIST BANK ON XXXX PREPARED BY XXXX XXXX AT XXXX, FL BRANCH HER PHONE NUMBER IS XXXX XXXX. THE COMPLAINT ABOUT ( XXXX ) IS BEING HANDLED FROM SUNTRUST CORPORATE OFFICE BY XXXX XXXX ON XXXX XXXX TOLD ME SHE WAS NOT ABLE TO TALK TO ME OVER THE PHONE ABOUT MY WIRE FRAUD ISSUE AND THAT I WOULD HAVE TO GO INTO A LOCAL BRANCH AND CALL HER. THAT DID NOT HAPPEN, SHE TOOK MY STATEMENT OVER THE PHONE AGAINST SUNTRUST TRUIST POLICIES. THEN ON XXXX XXXX SENT CFPB A NEGATIVE RESPONSE ABOUT ME STATING I NEED TO CATCH UP MY PAYMENTS. I PAID SUNTRUST IN FULL {$3800.00} IN FULL FROM XXXX XXXX  CHECK CLEARED BY SUNTRUST CREDIT CARD SUBSTITUTE PAYMENT COUPON ON XXXX XXXX. AS LIKE THE ABOVE CLAIM THAT CONCERN MY WIRE BEING STOLEN BECAUSE OF LATE ACTIONS BY SUNTRUST PERSONALS FOR {$15000.00}. EIGHT HOURS LATE NO REASON WHY WIRE THIRTY FIVE MILES AWAY SHOULD TAKE EIGHT. AND XXXX NEGATIVE RESPONSE THIS TIME TOOK SIX DAYS ACCOUNT PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Had charges on debit card linked to checking account from XXXX totaling nearly XXXX. Called Usaa bank and reported fraud. Canceled card. Usaa issued provisional credit. They later reversed the credit based on ticket-masters response. I am now out nearly XXXX XXXX and they are unwilling to help. The evidence provided by ticket master clearly proves fraud as it is a fraudulent account from a city I dont live in and tickets were delivered to an email that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.
Product: Money transfer, virtual currency, or money service

Cash app closed my account stating I violated their terms. I asked for evidence which they did not provide.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft through XXXX XXXX XXXX XXXX XXXX, I recently discovered unauthorized activity related to my personal and financial information. Investigation revealed that my identity was compromised through BLACK MARKET Contacted XXXX XXXX 's customer support on I Notified my bank and credit reporting agencies I request your assistance in resolving this matter.