davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Re : Failure to Respond to Credit Dispute within XXXX Timeframe I am writing to bring to your attention that my credit dispute, received by Experian on XX/XX/2023, has not been resolved within the XXXX timeframe as stipulated by federal law under 15 U.S.C. 1681i ( a ). 

The following accounts were disputed : XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX accounts were disputed under the provisions of 15 U.S.C 1681, as they have violated my federally protected consumer rights to privacy and confidentiality. Furthermore, the failure to respond to the dispute within the stipulated time frame is a violation of my rights as a consumer under 15 U.S.C 1681.

I am now formally demanding the immediate removal of these accounts from my credit report due to your failure to comply with 15 U.S.C 1681i ( a ), which mandates that consumer reporting agencies must resolve disputes within 30 days. Failure to do so results in the obligation to remove the disputed items.

Please rectify this situation promptly to avoid any further legal implications. I expect written confirmation of the removal of the aforementioned accounts within XXXX business days of the receipt of this letter. 

Thank you for your immediate attention to this serious matter. Failure to comply may lead me to take further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I have 2 PROBLEMS with EXPERIAN that are ONGOING and EXPERIAN refuses to FIX THE PROBLEM AFTER NUMEROUS attempts. 

1. With the Pandemic Free Annual Credit report allows you to get a copy of your credit report weekly. EXPERIAN REFUSES TO ALLOW this and has my account targeted since contacting the CEO years ago. I want my file RELEASED FROM THIS SPECAL DEPARTMENT and the ABILITY TO VIEW MY CREDIT AND MAKE DISPUTES ONLINE. 
THIS IS RETALATION ON THE PART OF CONTACTING CEO XXXX XXXX. I'm being discriminated against and treated differently than every other person. 

2. I CAN NOT file a dispute online for the same reasons stated above. My file is in some secret department, with incompetent reps who have lied to me. I want my file released from this department TODAY. Whenever I want to file a dispute, I have to call in. When I call the number provided, they have to transfer me to another secret department when I'm on endless hold with incompetent reps. THIS WILL TURN INTO A LEGAL MATTER IF I CAN'T DISPUTE THE WRONG INFORMATION ON MY CREDIT REPORT ONLINE WITHOUT THE AID OF A HUMAN BEING, AND IF I CAN'T GET A COPY OF MY CREDIT REPORT WEEKLY LIKE EVER OTHER HUMAN BEING IN THE UNITED STATES OF AMERICAN. I WILL NOT ACCEPT A FORM LETTER REPLY AND WILL TAKE LEGAL ACTION IF THIS SCAM IS NOT LIFTED TODAY.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX. You are in direct violation of the Fair credit reporting act 15 USC 1681 section 602 a clear state that I have the right to privacy 15 USC 1681 section 604 a section 2 is also stays a consumer report agency 15 USC 16668 a creditor may not treat a payment on a credit card account under and open in consumer credits plan as late for any purpose remove these late payments and update this account immediately as you are not in direct violation
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

This account appear under my name but is not mine ..is not my phone number is not my email the name is one name I have a midlle name.. they investigated and say is mine but is not my account. And I dont know the address for that account
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stenger & Stenger, P.C (CO)

XXXX XXXX is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/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 Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION oXXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings (TX)

Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

____________________ 2nd complaint with XXXX XXXX XXXX XXXX XXXX Apartments can not verify or show proof that this account belongs to me. Please Delete.
Consumer complaint received 2023-10-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (OK)

I paid a debt to the collection agency Procollect in full and was sent a letter of confirmation. I dont recall who I spoke with but they said the debt would be removed from my report after payment. It has been several months and debt is still on report.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank wrongfully closed my checking account that was in good standing, on XX/XX/2023 with a balance of approximately {$6200.00}, for no reason. We spoke to many representatives from Citibank, both in the branch and at the numerous phone numbers each Citibank representative provided, and no one knows why the account was closed. Aside from that, this checking account is my sole account and the only income I receive is from my monthly social security benefits that get direct deposited to this account, which I will not receive as a result of this account being wrongfully closed. Aside from this, my Citi credit card that is scheduled for bill pay at the end of the month will not be paid and this will impact my credit. In addition, Citibank didn't even send one letter, email, or even make one phone call to me notifying me that the account will be closed
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$820.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Consumer complaint received 2017-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

The company told me that I owed a debt from  XXXX  insurance from  XXXX     2014. Since  I am trying to keep good credit I just decided to go ahead and pay the amount, however the representative I spoke to on the phone told me I could pay I lesser amount and they would consider the debt resolved. The representative also assured me once I paid the amount it would be removed from my credit report. I upheld my part and paid the amount and after several weeks the account was and is still being reported. I called the company and the person I spoke with told me it had n't been deleted because I did n't pay the entire amount, which was only a difference of {$20.00}, that I would have gladly paid in order for it to be deleted. The company mislead me to pay an amount less than what was owed and continues to refuse deletion, even though they promised to delete. I do n't even recall having insurance with   XXXX   i n 2014 a nd only paid to salvage since it was n't very much otherwise I would have disputed.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX XXXX XXXX XXXX has been unable to afford the house payment and has decided to attempt the foreclosure alternative of short sale. Her attorney 's office contacted the lender to verify if we could attempt a modification or short sale review. On XXXX/XXXX/2015, the authorized XXXX party was advised by a representative at NationStar named XXXX, that the foreclosure sale is set for XXXX/XXXX/2015. He stated at this point they need at least XXXX days to review for a short sale and the borrower could do short sale. The attorney 's office had sent a HOME AFFORDABLE ALTERNATIVE PROGRAM ( HAFA ) notice stating that they have failed to provide the borrower in writing these options. That notice was sent XXXX/XXXX/2015 and has yet to be responded to. The borrower is prepared to list the property for short sale and just wants the opportunity to do so.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$920.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I made a currency exchange at XXXX, but it failed. There was also a mistake in the payee. At the same time, my family members had personal emergencies, so I made it at Bank of America immediately. dispute. I then made a refund on XXXX, but the refund took XXXX to XXXX working days to complete, so I couldn't wait. It wasn't until the next day that Bank of America returned the temporary credit of {$3400.00} to me. I thought that {$3400.00} had been disputed, and XXXX would be notified and there would be no need to refund it again. Until XX/XX/XXXX, I suddenly found that the number in my bank savings account became - {$4000.00}, so I called Bank of America as soon as possible. They said that because there were duplicate transactions, the number was correct. I check my account every day and there is no way this is happening. Besides, this {$3400.00} was the first thing I disputed. I asked customer service why there were XXXX duplicate {$3400.00}, and they said that the merchant refunded it to you on XX/XX/XXXX. I replied that this is not the case. I checked the account on XX/XX/XXXX, and there could be no duplicates on XX/XX/XXXX. Generally speaking, once I dispute it for the first time and the merchant detects it, there is no need to make repeated refunds. They insisted on saying it was right. I don't want to argue anymore. After disputing at that time, I never saw the {$3400.00} refunded to me by XXXX, only the {$3400.00} refunded to me by Bank of America. I suspect there is financial fraud in it. Please ask the relevant departments to investigate.