23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nearly five years ago I suffered a significant health related incident and ended up off work for 4 years before I was able to return to work. Around that time, our HELOC changed from an interest only loan to a conventional loan ( I believe this is what happened ) and the monthly payment nearly doubled. I contacted BofA in hopes of working something out that would be easier for us ( my family ) to manage. We started, what I thought, would be the loan modification process to restructure the loan to be more affordable. At NO TIME did we want to default on the loan or claim we no longer would accept the debt. We started what ended up being a very long ( 3+ year process ) where we ended up right back where we began. BofA started sending us documents to complete, sign and return, which we did. Unfortunately, documents were lost or never reached their destination. We continued this process for nearly a year. At one point, we were threatened with the loss of our home and told it would be auctioned to the highest bidder. We were even sent the exact date, time and court location this would take place. This caused and enormous amount of stress on our family. The thought of losing our home, cars, personal items and having to move ( myself, wife and XXXX sons ) was unbearable and I would often be brought to tears when speaking to my loan consultant. We were placed on a special program where we would send our payment and it would be held in escrow so we could demonstrate our ability to pay. After doing this, I was told our account was current. However, we received another round of notices stating that our house would be sold through the court system. This even included embarrassing decals and notices being placed on our front door. Coincidentally, this tactic ceased when I expressed my XXXX again to our loan manager or consultant. In the end, a loan modification was granted and we continue to pay our monthly HELOC. However, we are right back where we started nearly 5 years ago. The threats and nightmares in endured were simply unnecessary had BofA helped us with a more positive approach rather than a threatening one.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$31000.00}
Product: Debt collection

I sent several disputes letters via XXXX, XXXX and XXXX saying that this account is related to an act of identity theft and that it doesn't belong to me. Which they are continuing to say is this account is mines ... Several times I've sent ftc reports relating to the crime and now I have did a XXXX Police department report and the case number XXXX company is Westlake Financial SVC and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Opened a 0 % balance transfer CITI card to pay on a line of credit at our bank, XXXX in Washington, PA on XXXX. The amount to be transferred, {$11000.00} was Never received at XXXX. I have talked to, XXXX people at CITI XXXX each XXXX, me having to start from day XXXX explaining the problem. I was given a TRACE ID # which I took to my bank, XXXX, & nothing was found. I made the mistake of not putting the full account # in when applying for the transfer money, but, did supply them with my bank name. Several CITI reps took my bank phone # & even the name of the banks manager to talk with her, after I gave permission to do so, & no one has ever made a call. Im told with each phone call to CITI, Its under investigation, call back in XXXX days!! I have made XXXX, healthy payments on this money that I do not have! Now, I read at CITI the XXXX will jump from XXXX XXXX % if the transfer isnt completed within 4 months from opening. Im at my wits end trying to find this money & CITI isnt doing a thing. THANKS! XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card at XXXX clothing store several years ago and never received any follow up information about it so since that time Ive just assumed that I was never approved at XXXX. Ive recently checked my credit score and saw that I do have an active XXXX credit card of which I dont know any information on because I didnt know I had one. Ive called XXXX to try and get that card canceled and they say that I dont have one. Im not understanding why it would show on my credit score as an active credit card with a {$250.00} limit that I own when I dont have one and the company says I dont have one. It is hindering my credit though to have an open credit card that Im not using and I would like for it to be removed. How can i do this?
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Consumer Loan

Loan company applied payments to credit card, not auto loan. Auto loan in default because of this. Payment check referenced the last XXXX numbers of the auto loan ( as it was on the billing statement ). USAA, with whom I have both a credit card ( in default/very late as payments were insufficient ) and an auto loan, refuses to credit the amount to my auto loan. I expect soon to have my car repossessed, though I should have been current with payments. ( I stopped making payments the last 3 months while the USAA was supposed to be sorting this out. Now when I call and I get placed on terminal hold, such as 20 minutes today without anyone picking up after my call was forwarded. Online logs me off repeatedly when trying to get my information, noting that I have unresolved charges. This evening, when trying to gather documents for this complaint, I have been unable to access the information online. When I actually got to speak to people initially ( months ago ), they noted that no payments were shown on my accounts and that obviously my bank was in error. Then, when I pulled up the cancelled checks, the person insisted, as if it was an acceptable explanation, that they have XXXX checks that they process each day. They refused to forward the documents for this issue, insisting I can get them online. )
Product: Debt collection

National Enterprise Systems XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX PHONE # XXXX EXT XXXX Reference : XXXX Amount Disputed : {$13000.00} In accordance with 15 U.S.C 1692g section 809 ( B ). Im putting you National Enterprise Systems on notice that your claim is disputed and validation of the furnished account on my consumer report is required : You National Enterprise Systems have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I have a right to this information, as its directly associated with the reporting activities and Im requesting the following LISTED BELOW : - Signed Contract with my wet ink signature giving you National Enterprise Systems the right to contact me in regard to this alleged debt. 

*Purchase Agreement *Evidence that you are a licensed debt collector. 
*Chain of Title Proof that you are a licensed debt collector to collect in my state. 
*A requested copy of your State Department of Commerce and Insurance Certificate . 
*A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 

Second, this authenticated record must include all tax filings including ALL 1099s, 1096s and 1098s any and all trades and or investments and or interest associated with this account of which I am alleged to be a party to .I have a right to all this information, as its directly associated with the reporting activities. 

Third, I need the following questions and information listed below answered truthfully under oath and under the penalties of perjury : 1. Are you the owner or assignee of this alleged account? 
2. What are the terms of the transfer of rights regarding this alleged account? 
3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing debtors verified, bonafide signature exist? Please provide. 
4. Did you purchase this alleged account from the alleged original creditor? 
5. If you did purchase this alleged account, what is the date of purchase of this alleged account from the original creditor and what was the purchase amount? 

Forth, this is also notice for you National Enterprise Systems to CEASE & DESIST ALL COMMUNICATION AND COLLECTION ACTIVITIES IN REGARD TO THE ALLEGED LISTED ACCOUNT IN ACCORDANCE WITH 15 U.S.C1692c ( c ). 

Failure to remove the account in 15 days from my Consumer report as requested will result in legal matters being taken and me turning you National Enterprise Systems to the FEDERAL TRADE COMMISSION FOR ( FTC ) for aggravated identity theft, fraud, and for violations of the FDCPA. 

Lastly, If this matter is not resolved by the time specified above, I reserve the right to commence legal proceeding to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Sincerely, XXXX XXXX U.C.C 1-308 ARR
Product: Student loan

In reference to Case number : XXXX disputed the companies response in reference to the case number above. 

My dispute is against Genesis Lending Services. I was forced to take out these private loans by XXXX University. I am currently dealing with the state attorney of Florida in regards with the way I was treated by XXXX. When I made the complaint here against Genesis Lending, they quickly sold my account to another party instead of allowing me to receive my 40 percent from the settlement against them and XXXX. This to me is unacceptable because if I had made no complaint against them then they would still be servicing my loan. They made no attempt to fix the issue and the XXXX thing they did was sell my loans..? The response from them was shocking to me because I had no knowledge that they sold my loan until I received an email a few weeks later on XXXX XXXX, 2015. Yet again, they only sold it after my complaint and that is horrible! I am in debt to them for XXXX and it started at XXXX. I am in debt to XXXX for XXXX! I am only getting a 4 year degree. This is too much and I am only asking for help but it seems like everyone is trying to sweep things under the rug. I am going to send letters to the white house if I have to if nothing is done to help me. Genesis told me I was to go to CFPB for the 40 percent and CFPB told me to go to Genesis, which XXXX is it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. 

The representative refused to help me.
Product: Vehicle loan or lease

Credit Acceptance Corporation is fraudulent. The vehicle was repossessed. The vehicle was in my deceased husbands name. I am not responsible for this fraudulent loan. My late husband, XXXX XXXX was responsible for this loan. The vehicle had been repossessed but it constantly updating every month on my credit file. Please remove this fraudulent information from my credit file or I will seek legal actions. With my income, being that Im XXXX, I couldnt possibly afford a vehicle at that price.
Product: Checking or savings account

Chime bank has repeatedly lied to me about not having my deposits then shows me proof that they had them while lying that they didn't. They also altered my bank statement so it doesn't show the actual date they received my deposits. I understand that they have a time frame for releasing deposits but they advertise that they never hold them and that's a lie
Product: Credit card

LVNV FUNDING LLC  
ACCOUNT XXXX 
OPEN XXXX  
BALANCE XXXX UPDATED XXXX
ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 
PHONE NUMBER XXXX XXXX XXXX 

I AM REQUESTING THE VERIICATION OF NEGATIVE ITEM, IN PURSUIT TO THE FAIR DEBT COLLECTION PRACTIES ACT, 15USC 1692 SEC.809 (b). YOU ARE REQUIRED UNDER THE ABOVE NAMED TITLED AND SECTION, TO SHOW YOUR LAWFUL AUTHORITY TO COLLECT ON AN ALLEGED DEBT CLAIM; I AM REQUESTING THE FOLLOWING ITEMS:

- THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR 
-  A COPY OF THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORIGINAL CREDITOR 
- THE ORIGINAL APPLICATION FOR THIS ACCOUNT WITH MY SIGNATURE 
- A COPY OF THE AGREEMENT AUTHORIZING YOUR COMPANY TO COLLECTED ON THEIR BEHALF OF THE ORIGINAL CREDITOR 
- FULL DETAILED ACCOUNTING HISTORY ON THE ACCOUNT AND CALCULATIONS ON HOW THEY REACHED THAT AMOUNT OWE.
- PROVIDE VERIFICATION ON ANY JUDGEMENTS CONNECTED TO THIS ACCOUNT 
- PROVIDE YOUR LICENSE TO COLLECT IN MY STATE AND YOUR REGISTER AGENT NAME WITH THEIR ADDRESS 
- PLEASE SHOW PROOF THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED IN MY STATE FOR THIS ACCOUNT 
-PROVIDE THE DATE OF THE LAST PAYMENT ON THIS ACCOUNT. 

PLEASE PROVIDE THE ANSWER TO THIS REQUEST IN WRITING WITHIN 15 DAYS OR I WILL BE FORCE TO TAKE LEGAL ACTIONS

THANK YOU FOR YOUR COOPERATION 

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

I have filed a dispute in regards to the incorrect items on my credit report. It have been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS VIOLATING MY RIGHTS TO PRIVACY. THEY CONTINUE TO BREAK THE LAW ACCORDING TO FCRA SECTION 605B. LET THIS BE PROOF OF THEM NOT HAVING ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS FRAUDULENT ACCOUNT BY ME DIRECTLY AS I HAVE SENT IN POLICE REPORT AND IDENTITY THEFT REPORT ACCORDING TO FCRA SECTION 605B THAT THIS IS FRAUDULENT ACCOUNT. 

( SEE ATTACHED ) POLICE REPORT, FTC IDENTITY THEFT REPORT THIS IS PROOF XXXX XXXX HAS NO WRITTEN INSTRUCTIONS/AUTHORIZATION BY ME TO OPEN THIS FRAUDULENT ACCOUNT WHICH HAS RESULTED IDENTITY THEFT. 
ACCORDING TO THE FCRA SECTION 605B YOU MUST REMOVE AND BLOCK ANY FRAUDULENT ACCOUNT ONCE RECIEVED DOCUMENTS ATTACHED WITHIN 4 DAYS OF RECIEVED IF YOU CAN NOT PROVIDE ME WITH PROOF WRITTEN AUTHORIZATION/INSTRUCTIONS BY ME VALIDATING MY IDENTITY BEFORE THE ACCOUNT WAS OPEM IF YOU CAN NOT PROVIDE ME PROOF IT IS CLEARLY STATED IN SECTION 605B OF THE FCRA THE FRAUDULENT ITEM MUST BE BLOCKED AND REMOVED THIS WILL BE MY PROOF OF ME SENDING XXXX XXXX ONCE AGAIN THE REQUIRED DOCS ( SEE ATTACHED ) AND PROOF THEY DO NOT HAVE ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS ACCOUNT BUT ONLY HOW THE IDENTITY THEFT HAPPENED THIS IS NOT ENOUGH INFORMATION AND IS ENABLEMENT IN IDENTITY THEFT AMD DEFAMATION OF CHARACTER BY CAPITAL. XXXX XXXX STATED EQUIFAX AND XXXX MUST DELETE OLD ADDRESSES FOR THEY CAN NOT SO LET THIS BE PROOF THAT IT IS EQUIFAX AND XXXX DUTY TO REMOVE AND DELETE THE ADDRESS XXXX XXXX XXXX XXXX FL XXXX FOR THJ IS A FRAUDULENT ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX 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

A FRADULENT ACCOUNT IS LISTED ON MY CREDIT REPORT ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have challenged the validity of the accounts with XXXX XXXX XXXX numerous of times and Transunion has claimed that the account was verified over and over again. I do not understand how it was verified with Transunion, but XXXX deleted the XXXX XXXX XXXX account immediately after I disputed it over a year ago, I've requested the contract from XXXX XXXX XXXX by mail and they didn't provide it, and Transunion has not provided me with their method of verification which by 15 U.S. Code 1681i states that they have to provide me the consumer with all relevant information regarding their investigation. This is inaccurate information, and Transunion is continuing to allow fraudulent accounts on my credit profile which is unfair and unjust. 

They are also reporting another account XXXX XXXX XXXX that is inaccurate. I have called XXXX XXXX XXXX, requested the purchase agreement plus the contract with my signature stating that I'm in agreement with them, and they stated that they could not provide it. Therefore, this collection is fraudulent and should not be reporting on my credit profile, but Transunion is allowing it to be reported. They have still not provided me with their method of verification to prove as to why they are reporting inaccurate things on my credit profile, which leads me to believe they aren't conducting proper investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account with XXXX XXXX XXXX, and for 1 year paid on time, my credit was hacked and fraudulent charges were made, I disputed with them and they ignored, even filled out their fraud documents to no reply or correction, they just ran up adds fees and penalty, totally corrupted my account, I even requested it be closed in XXXX of 2015 ... they are reporting invalid and inaccurate info to credit bureaus ...
Product: Debt collection

I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?
Product: Credit card

The Bank of New York Mellon has not processed my two securities/coupons for my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Please see the attachments. The Bank of New York Mellon is violating the Securities Exchange Act of XXXX and the Trust Indenture Act of XXXX. The Bank of New York Mellon is the Indentured Trustee for XXXX XXXX according to latest Trust Indentured agreement between XXXX XXXX and The Bank of New York Mellon from XX/XX/XXXX. Please forward this complaint to XXXX XXXX XXXX who is the Vice President of Corporate Trust for The Bank of New York Mellon so the concern will be appropriately addressed. PLEASE NOTE XXXX XXXX IS THE NOTEHOLDER AND I AM REQUESTING PAYMENT OF PRINCIPAL AND INTEREST ACCORDING TO SECTION XXXX PERSONS DEEMED OWNERS which is located in the latest Trust Indentured agreement between XXXX XXXX and The Bank of New York Mellon XXXX XX/XX/XXXX. I revoke/rescind any security interest XXXX XXXX has in accounts ending in XXXX and XXXX and assume all titles, rights, and interest in ALL NOTES. Please do not hesitate to contact me at XXXX or XXXX if any questions arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 
Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information. 

EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

NO CLOSED DATE REPORTING ( BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ) NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS INACCURATE PAYMENT HISTORY IS REPORTING DATE OF LAST ACTIVITY IS NOT EVEN UPDATED NO DATE REPORTED FOR LAST VERIFIED XXXX XXXX  ACCOUNT XXXX : XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) THIS ACCOUNT IS 100 % INCOMPLETE & INACCURATE ACROSS ALL CREDIT BUREAUS VIOLATIONS ERRORS XXXX. DISPUTE STATUS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX XXXX NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) EXPERIAN : NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) ERRORS XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ERRORS XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY BEING REPORTED EXPERIAN : INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) ERRORS XXXX. DATE OF LAST ACTIVITY : ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) XXXX : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) EXPERIAN : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) ERRORS XXXX. PAST DUE AMOUNT : {$800.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$800.00} EXPERIAN : {$800.00} ERRORS XXXX. HIGH BALANCE : ( THERE ARE XXXX DIFFERENT HIGH BALANCES ) XXXX : {$800.00} EXPERIAN : {$0.00} ERRORS XXXX. NO DATE FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED
Product: Mortgage

Mr. Cooper processed my regular payment on line as usual. The 10 days later they debited by checking account XXXX times for the exact same payment. XXXX total. 
I am told it is being corrected and I will incur no fees. Who gives them the right to randomly debit my account without authorization. Do you have an extra XXXX in your account?