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

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  RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, so I do not need TransUnion 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 XXXX XXXX XXXX if the consumer has provided documentation of XXXX  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 XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Late Closed XXXX  XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Charge Off XXXX  XXXX  XXXX {$7500.00} Date Open : XX/XX/XXXX XXXX  XXXX {$480.00} Date Open : XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$160.00} Date Open : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX {$800.00} Date Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX {$510.00} Date Open XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$85.00} Date Open XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX ) XXXX {$230.00} Date Open : XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$260.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX {$22000.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX {$450.00} Date Open XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX {$1200.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$13000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$560.00} Date Open : XX/XX/XXXX XXXX, XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$5600.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} Date Open : XX/XX/XXXX Hard Inquiries 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 XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was rushed into a loan of {$1200.00} that has fees and interest adding up to a payback amount of {$6300.00}, Interest is charged daily with payments of {$150.00} weekly taken directly out of MY bank account. I was not able to access the terms because an old email address was used for the loan which was offered in a text as emergency funds to help with the coronavirus pandemic currently occurring. The only way to gain access to the loan terms was to create an online account with this old email. No texts, no emails were sent with loan terms, payment information or that my bank account would be used to directly deduct weekly payments totally {$6300.00}. I did not know any of this until the first week payment was taken out of my bank account. I will not have enough funds to cover the weekly payment in two weeks time. The loan was offered to me as emergency shelter in place funds during the Coronavirus Pandemic that is currently going on. They know I am not allowed to work, I need the money for food and shelter but I am only using the money to pay the interest and fees that has turned a {$1200.00} loan to {$6300.00} loan! This emergency loan has not helped but made a life threatening situation worse with the added stress of having to find the funds to pay back the loan instead of for food, shelter, heat, and basic life expenses. As I starve to death, please enjoy your blood tainted interest payments! I thought I would have months to pay back not weeks, 41 weekly payments of {$150.00}. There is NO way for me to pay this back without working and without being allowed to leave my home but you are welcome to have a pound of my dead rotting flesh. I was not told the terms, I could not access the terms until I called and got a rude operator who was not helpful I had to piece it together myself, I would like this to stop this from happening to other people. If I do contract the virus and die, these are the vultures that have dug my grave and someday you WILL ANSWER TO GOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a covid-19 deferral through GM Financial of XXXX XXXX Texas. They stated that my XX/XX/XXXX and XX/XX/XXXX payment would be deferred and my next payment would be due onXX/XX/XXXX. They immediately reported me as late. I disputed this information through XXXX and they corrected it around the first of XX/XX/XXXX and immediately reported me as late for XX/XX/XXXX. I disputed again and they updated XX/XX/XXXX and reported me late for XX/XX/XXXX even though my XX/XX/XXXX payment isn't due yet. 

The representative on the phone stated that they had messed up and she would transfer me to a supervisor to get this corrected and the supervisor tried to transfer me again instead of addressing my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX  an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

This feels completely wrong and I do not consent to USAA sharing any of my information at all. The sharing of any of my accounts as a direct and proximate result of you, USAA, Furthermore, this warning is a rejection of the modification presently and unilaterally proposed by you, and any action by you to close my account due to my rejection of the terms herein proposed will be responded to by me with a class action lawsuit for XXXX XXXX of Contract, violation XXXX, etc. Thanks Please communicate by mail only, do not call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have previously disputed inquiries on my TransUnion report. They are refusing to remove the inquiries I disputed on CFPB Case number : XXXX. 

When I spoke to the specialist on the phone I inquired what I can do to prevent further inquiries from being done on my credit profile and a security freeze was recommended. I was going to proceed with the security freeze until she informed me that I had to pay {$10.00}. Per the TransUnion website any person who has been a victim of identity theft can have the fee waived. I 've sent several police reports to prove my identity theft and would like for the security freeze to be placed with no charge. 

In addition I would like all the inquiries I have disputed to be deleted or investigated. 

Inquiries disputed are : XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX  I filed bankruptcy in  XXXX  case number   XXXX  . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

A inquiry that I am unaware of is on my credit report. This a result of identity theft and I would like this hard inquiry removed from my credit reports. This violates U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. Experian and XX/XX/XXXX continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for Experian or XX/XX/XXXX 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Product: Debt collection

Please see complaint # XXXX LVNV ( Resurgent ) has since closed the account however, they have not reached back out to the courts to have the case dismissed. This is a violation, as this organization is attempting in every way to tarnish my reputation, and my credit behind something I did not do. Once LNVN ( Resurgent ) closed this case on XX/XX/2023 this should have filed to have the case dismissed and the motion removed from my record, however they have not, and the courts advised me that they would continue to proceed UNLESS LVNV ( Resurgent ) files the proper request. Now some ran to the courts when my identity theft claim, was filed to try and file a claim to sue me. I going to need LVNV to have that same type of energy and going and submit to have that claim closed and removed from my records.. Otherwise I asked that they be fined and or I will file a civil suit for defamation of character, mental anguish for the amount of time and energy I have had to spend behind something that has been classified as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a 7 day free trial for credit monitoring with Experian. That free trial was to end on XX/XX/XXXX. On the evening of XX/XX/XXXX I cancelled the free trial and removed my debit card information. On XX/XX/XXXX I called Experian and spoke with a young man who informed me that my account was cancelled and no credit/debit card information was retained. On Friday XX/XX/XXXX my  account was debited in the amount of {$23.00}. I immediately contact Experian billing and was informed my account was indeed cancelled however the charge was pending and there was no way to stop it. He then transferred me to a woman who was quite rude and combative in her tone. She went on to explain the even though I cancelled the free trial and removed my debit card information, the system had already begun processing it and there would be no way to stop it. I told her I wanted them to refund the amount back to my account. She told me to contact my bank, when I told her I was not going to contact my bank because the dispute process was over 30 days she stated she would process the refund and I should see it in my account within three days. I then inquired about any fees I would incur from my bank when other payments that were authorized would be declined. She stated there is nothing they can do about those fees and to contact my bank, when I told her my bank did n't make the mistake, she simply said there is nothing we can do because we are n't obligated too. At that time I became angry and disconnected the call. On Monday XX/XX/XXXX I called to confirm that the refund had been processed, the gentleman on the other end of the phone stated he could see the credit amount of {$23.00} however no refund had been processed. I am filing this complaint because the first rep should have done so without personalizing her decision not too. She should have remained professional regardless of the discussion and my anger due to her tone.