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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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, 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, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX 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 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 XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXn New York 1XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the US DEPT ED along with the original creditor account DEPT ED XXXX  numerous of times ( XX/XX/2019, XX/XX/2019 and XX/XX/2019). Each time the credit bureaus said that they have verified the account as reporting 100 % accurate. I have shown proof from the original creditors that all aspects of the accounts are not reporting 100 % accurate like the FCRA requires. They are reporting the open date incorrectly
Product: Debt collection

This account is under investigation for identity theft. This was reported to the authorities paperwork was provided to XXXX XXXX and also to XXXXXXXX XXXX accounts. The accounts in question are under investigation.
Product: Credit reporting or other personal consumer reports

The report requested by XXXX XXXX XXXX from XXXX says I have serious delinquencies. THIS IS INCORRECT! I do not have any late payments or any negative reports on my accounts for the past 15 years. I need to get that clear up. My credit score is near XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX 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 a account without my written instructions
Product: Mortgage

Specialized Loan Servicing ( SLS ) has become my new servicing lender since the beginning of XXXX. I have reached out to this lender on several occasions for mortgage assistance or loan modification. They continue to give me the run around regarding some type of assistance that I qualify for. My current BK post post petition payment is at a ridiculous {$3100.00}, my current P & I payment is {$2200.00} at 4 % per my docs I signed back in XXXX. SLS continues to send me denials stating that my P & I payment is {$1600.00} at 2 %. They clearly are smarter than this to make these type of errors. Because if you read the agreement I signed back in XXXX it clearly states that my current P & I payment is {$2200.00} at 4 %. If you look at the response they sent to me dated XX/XX/XXXX they clearly say in the 4th paragraph that my new P & I payment after modifying loan balances would be {$2200.00} which is clearly less than my current payments. When I call them they keep saying oh can you fax that over we're not seeing that anywhere. They are just playing games and are unwilling to finalize a loan modification for me ASAP. I would like for this organization to intervene and help me accomplish in receiving a loan modification for my family and I. Thank you and l look forward to hearing from you all asap. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage servicing company is refusing to drop PMI even though my LTV is 77.71 %. They send me a letter demanding I get an appraisal for {$400.00} before they would drop the PMI payment in addition to several other conditions. 
I could be wrong, but when I look at the law, when you are below 78 % the PMI supposed to be dropped automatically. If that is true, I would greatly appreciate not being charged for something I do not need. 

Regards, XXXX XXXX
Product: Checking or savings account

I am a victim of a fraud, scam, and identity theft. I have been a loyal customer of Capital One for almost 30 years. My savings account had several wire transfers of thousands of dollars ( totaling {$110000.00} ). Once the transfer was taken out, the transfer appeared back in my account so I figure all was okay. This happened several times and I started calling Capital One. Despite several, stressful calls to Capital One, this issue was not resolved and the wire transfers were/have NOT returned back to my account. I called one time and the specialist that answered said she " can't do anything to help me ''. Even after they were made aware that I was a victim of identity theft. Someone has use my information to initiate wire transfers and sent my hard earned money to multiple people, and companies I have never heard of. Several other fraudulent transactions, loans, and credit card lines have been made on my accounts. 

List of Wire Transfer Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Complaint Regarding Inconsistent Date of Last Activity Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am filing this complaint regarding discrepancies in how the Date of Last Activity ( DLA ) is reported by the major credit bureaus on my credit report. Specifically, the DLA for all of my accounts reflects conflicting information across different bureaus, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ).

Ive enclosed a copy of a consumer report Ive received from Equifax that the account was removed but its still reporting on my credit report. Under the FCRA, the credit report agency ( CRA ) must notify you within 5 business days if a previously removed item is reinserted into your credit report which that didnt happen. 

Details of the Issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Impact on My Credit Profile : These inconsistencies have negatively impacted my credit report by creating confusion regarding the accurate status and age of the account. It may also unfairly prolong the time this account remains on my credit report, in violation of FCRA provisions on accuracy and fairness in credit reporting.

3. Attempts to Resolve : * I have contacted the credit bureaus numerous of times regarding this issue. Despite my efforts, the discrepancies remain unresolved.

Requested Resolution : I respectfully request the CFPB to : 1. Require the credit bureaus to improve their processes to prevent similar discrepancies in the future.

2. I demand this account to be removed due to inaccuracies on my credit report under Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Product: Money transfer, virtual currency, or money service

ON FRIDAY, XX/XX/XXXX, I GOT A CALL FROM WELLS FARGO. SINCE THE WORDS WELLS FARGO APPEARED ON MY CALLER ID, I ANSWERED AND CALLER SAID HE WAS FROM WELLS FARGO XXXX DEPT AND WAS DETECTING SOME UNUSUAL ACTIVITY ON MY ACCOUNT OUT OF FL, WAS THIS ACCURATE? OF COURSE, I SAID NO. THE CALLER PROCEEDED TO ASSURE ME TO HOLD THE LINE AS HE WOULD TRY TO STOP THIS UNAUTHORIZED WIRE TRANSFER FROM HAPPENING. THE CALLER READ TO ME THE LAST 4 DIGITS OF MY CHECKING ACCOUNT AND HAD APPARENTLY HACKED INTO MY ONLINE ACCOUNT. I HAVE AN RSA DEVICE AND THE CALLER ASKED ME FOR THE RSA CODE A COUPLE OF TIMES, WHICH I PROVIDED. 

UPON SITTING ON INTERMITTENT HOLD, WHILE THE CALLER WAS ATTEMPTING TO GET THIS UNAUTHORIZED " TRANSFER REVERSED, '' I BEGAN TO FEEL A KNOT IN THE PIT OF MY STOMACH. THIS WIRE TRANSFER WAS IN THE AMOUNT OF {$23000.00}! I XXXX THE NUMBER THAT CAME UP ON MY PHONE AS MY GROWING SUSPICION AROSE AND THE FIRST SEARCH RESULTS WERE INDICATING THAT INDEED THIS WAS THE NUMBER TO CALL FOR WELLS FARGO FINANCIAL ABUSE. 

I CONTINUED TO SCROLL DOWN ON THE XXXX SEARCH RESULTS AND SAW SOMETHING ABOUT SCAM THAT CAUGHT MY ATTENTION. I IMMEDIATELY PUT THE CALLER ON HOLD AND GRABBED MY DEBIT CARD FROM MY BAG AND CALLED THE NUMBER ON THE BACK FOR WELLS FARGO. I WAS PUT THROUGH TO THE FRAUD DEPARTMENT, AT WHICH TIME I EXPLAINED WHAT WAS HAPPENING AND THEY SAID THIS APPEARS TO BE A FRAUD. THE CALLER HAD DISCONNECTED THE LINE AND WAS TRYING TO CALL ME BACK. I FILED A FRAUD CLAIM WITH THE FRAUD DEPARTMENT AND THEY CANCELLED MY ACCOUNT AND RESET MY ONLINE ACCOUNT, ETC TO SECURE IT, THAT VERY DAY. 

ON MONDAY XXXX, MY NEW ONLINE ACCOUNT WAS SHOWING A PENDING WIRE TRANSFER FOR {$23000.00}, ALONG WITH A {$30.00} WIRE TRANSFER FEE. I WENT INTO THE LOCAL XXXX BRANCH AND SPOKE WITH THE BRANCH MANAGER, XXXX XXXX. I EXPLAINED EVERYTHING TO XXXX XXXX AND SHE CONFIRMED THE FRAUD DEPARTMENT HAD THE CLAIM AND SHOULD HAVE STOPPED THE FUNDS FROM LEAVING MY ACCOUNT. SHE ADDED HER BANKERS NOTES TO THE CLAIM. 

ON TUESDAY, XXXX, MY ONLINE ACCOUNT SHOWED THE WIRE TRANSFER WAS SUCCESSFUL AND MY ACCOUNT WAS {$23000.00} LESS. I CALLED THE WF XXXX DEPARTMENT AND PROVIDED MY CASE # AND WAS ASSURED THAT MY CLAIM WAS BEING WORKED ON BY THE XXXX DEPARTMENT, BUT IT COULD TAKE UP TO 10 BUSINESS DAYS FOR ANY MONEY TO BE RETURNED TO MY ACCOUNT. 

I GOT A VM TO TEXT FROM XXXX  XXXX XXXX ON XXXX ASKING ME TO CALL THEM BACK. I CALLED THE XXXX XXXX XXXX NUMBER LISTED ON THEIR WEBSITE AND THE REPRESENTATIVE TOLD ME THAT HE COULD NOT GIVE ME ANY INFORMATION ON A WIRE TRANSFER. I DO NOT EVEN HAVE AN ACCOUNT AT XXXX XXXXXXXX XXXX. 

ON XX/XX/XXXX, I FILED REPORTS WITH THE LOCAL POLICE, FTC, FBI AND WA AG, SINCE WELLS FARGO SEEMED TO BE DRAGGING THEIR FEET ON ANY RESOLUTION. WELLS FARGO WAS IN CONTACT WITH THE RECEIVING BANK, XXXX. I AM IN POSSESSION OF THE WIRE TRANSFER REPORT, ISSUED BY WELLS FARGO AT THE TIME OF THE FRAUDULENT WIRE TRANSFER. 

A COUPLE OF MONTHS BACK, I GOT A CALL FROM WELLS FARGO XXXX DEPARTMENT STATING THAT THERE WAS UNUSUAL ACTIVITY ON MY CREDIT CARD, AND THE CALL WAS INDEED FROM THE WELLS FARGO XXXX DEPARTMENT.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUDULENT ITEMS MUST BE REMOVED AND BLOCKED. I HAVE ATTACHED FTC REPORT XXXXPLEASE READ THE FTC REPORT IN DETAIL XXXXALL FRAUD IS REPORTED ON THE FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by XXXX for 360 days. At this point my account with XXXX is current. 

According to XXXX 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - XXXX XXXX  reports a 90+ day delinquency to TransUnion -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact XXXX directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to XXXX. 
After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

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

On or around XX/XX/2018, XXXX removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/2018, XXXX again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. XXXX has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, XXXX allowed the tradeline to remain, further damaging my credit profile.
Product: Debt collection

I signed up for XXXX XXXX XXXX in XX/XX/XXXX and canceled their service within the same day. I received a full refund of my deposit from this company at the time. I then receive a letter from a debt collection company named " Coast to Coast Financial Solutions '' in XX/XX/XXXX claiming I owed {$11.00} to XXXX XXXX XXXX and never paid them. I never received any letter from XXXX XXXX XXXX  claiming I owed them money at any point and wouldn't owe them anything as I had never used their sevice. When I called XXXXXXXX XXXX XXXX to ask why I owed money I was told " We can't see what you owed or why now that it's passed on to the debt collection agency ''. I called Coast to Coast Financial Solutions to explain that I owed nothing and that I wouldn't be paying them. They stated over the phone that I would need to write out my complaint on the back of the letter I received and send it back to them. I was not contacted in any way after this until I received a letter from Coast to Coast Financial Solutions on XX/XX/XXXX stating they'd begin pulling my credit score and harming my credit until I pay them. This has led to me filing this complaint.
Product: Credit reporting or other personal consumer reports

During the months of XXXX and XXXX, 2024 I was shopping for a new vehicle. I contacted XXXX on their website and looked at about XXXX vehicles. XXXX advertises that they will make a 'soft check ' and they will tell you if they can finance you. On XX/XX/year> I purchased a used XXXX XXXX with financing through XXXX. I found out this month that I have XXXX ( XXXX ) inquiries on my credit report from XXXX XXXX. XXXX sells cars for many private dealers and they were provided my information by XXXX. These independent XXXX XXXX ( 3 ) were provided my credit information which they then pulled my credit report resulting in ( 4 ) unauthorized inquiries. On XX/XX/XXXX I paid off the balance of the XXXX car loan purchase in cash, Yet my XXXX credit score by now shows all these inquiries and has been the basis of a recent denial of revolving credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint concerning my credit report. Despite my repeated efforts over the past months and previous attempts to rectify the errors, my credit report still inaccurately reflects late open accounts and charge-off accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected, negatively impacting my credit score and financial standing. 

I kindly request the following actions be taken : Immediate investigation into the disputed accounts. 
Correction of the inaccuracies in my credit report. 
Written confirmation of the corrections made. 
Enclosed with this letter are copies of the documents supporting my claims, including correspondence history, proof of payment, and any other relevant information. 

Please treat this matter with urgency. Should the errors persist, I am prepared to escalate this issue to you and seek legal counsel to ensure my rights are protected. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open must be corrected. 

XXXX XXXX XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXXXXXX Balance : {$0.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. Please eliminate the item certainly.
Product: Debt collection

Sent validation letter to validate the debt. Have not recieved anything cept it was valid with no kida proof. Futhermore. Will take legal actions if not removed from my credit report.
Product: Credit card or prepaid card

i filed my taxes recently and i just downloaded the XXXX  XXXX  app and it broke down my credit and it shows my current credit card that i make payments towards. Then it shows a second, From a Card Company that I DO NOT HAVE, OR OWN A CARD TO. This card has a {$300.00} limit and was opened XXXX of 2018 it says. The Account Status says OPEN still. My Credit Score has taken a major hit because i also saw that it has LATE PAYMENTS. 1 30 Day late, 1 60 Day Late, and 3 90 Day Late history details and on my On Time Payment history with my Cards it shows only 5 missed all from this card resulting my credit score to tank which i have never seen this card in my life and i have had my personal in my wallet for 5 years so this is really scary to me i dont want to be a victim, please help me!