23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was told that I was approved for a certain amount but that I would need to put down a large down payment so I gave them a {$3000.00} down payment and the finance guy said I would need to buy a {$3500.00} warranty so that the bank would be more comfortable financing me because they know their asset is protected and just in case my car needs repairs it would be covered. But I just read 15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Product: Debt collection

XXXX XXXX XXXX is listed as having been affiliated with Navient ( who is currently subject to a massive law suit ). Also XXXX is listed as having lost its contract with the government as far back as XX/XX/2015. This company is still attempting to collect and harrass borrowers and is attempting to collect undetailed and undisclosed fees that amount to either the loan amount, a third of a total alleged loan amount, or more. There are no break downs. There are no details of origination. There are no copies of assignments, sales, illicit mergers with private loan entities or any other information other than amounts demanded.
Product: Debt collection

On XX/XX/2019 I was contacted before XXXX XXXX and told they would serve me a legally required notice by Friday. They could not provide my address, their name, or the debt. They said they were from Bayside Capital. They also called a relative of mine to inquire about me and spoke about the debt. Number they called from was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX - could not access https : //www.ai.equifax.com to dispute current and previous addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX XX/XX/XXXX Employment Data Reported : Employment information is not right I have listed the correct employment that should show. Transunion keeps putting or has wrong information or Employment missing. I have also attach 2 companies I work for the past 2 years that's not showing and I uploaded a current XXXX XXXX XXXX XXXX Current Position on all Employment XXXX XXXX XXXX   XXXX Current XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX   XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past date Transunion has as Verified is incorrect because I have not work for XXXX XXXX XXXX since XXXX these are my correct Employment
Product: Vehicle loan or lease

YOUR COMPLAINT American Acceptance XXXX is still illegally using gps tracking systems to track vehicles without owners consent. Car was repossessed in XX/XX/XXXX. In XX/XX/XXXX I paid the fees trepossessiom and paid XXXX payment in advance. Not only has they listed that I was delinquent In XXXX their records have reflected a latte payment-missed payment since XX/XX/XXXX and interest accursed from that date in XXXX. The XXXX payment was made in XXXX. The company is illegally charging interests on payment made prior to the due dates causing borrowers to fall further behind. They are also restricting online payments prior to going into default causing further delay in payments. The online system doesnt allow for splitting payments between two forms of payment. By doing so borrowers cant become current unless American Acceptance gets payment in one sum from one form of payment but the contract signed does not prevent borrowers from making multiple payments but the online system does!! Because of this borrowers are unable to make online payments.i intend to file or join suit re illegal repossessions. American Avveptance XXXX is still engaging I. The same practices as in XXXX of deceitful business practices. Im being charged late fees for a XX/XX/XXXX payment that was made in XX/XX/XXXX along with the repossessions fees owed. In XX/XX/XXXX I was being charged late fees for a payment previously already made.
Product: Credit reporting or other personal consumer reports

I NOTICED UNAUTHORIZED HAD INQUIRES ON MY REPORT I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY NAME.
Product: Student loan

I have been attempting to call their call center to add an e-mail or phone number to my already existing neltnet account so that I can access my nelnet because I forgot my username and password years ago. I am told the only way to add multifactor authentication to reset my password or recover my username is by calling them. Every time I call it either hangs up and says the call center is experiencing too many calls or its closed even though I call during the operational hours that they list on their Nelnet Website. I am beyond frustrated. I applied for the save program nearly a month ago but apparently Nelnet is not accepting the application or approving it for some stupid reason.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Conns is reporting an alleged debt that is not true or accurate to my knowledge. They have not sent me or provided with me with proper verification under the FCRA, to prove this debt is mine. They keep quote on quote verified with the credit agencies XXXX, XXXX, XXXX They are not in compliance with the FCRA. In anyway way shape or form. 
Here is a list of violations that CONNS is reporting on my file and refuse to fix this problem that is affecting my life tremendously. 

FCRA VIOLATION and they know this. 
* CONN APPLIANCES INC Account numberXXXX  Delete this account for inaccuracy because it continues to report activity after close date XXXX They keep reporting to XXXX XXXX, yet report XXXX  to you, if a lender was to pull my XXXX for a credit application or will result denial because of this inaccuracy. Delete immediately How can this be legal and be allowed to finish my credit worthiness? 

Fair Resolution Delete
Product: Credit reporting or other personal consumer reports

Equifax had a data breach back in 2017. In that breach my non public private information was stolen such as name, ssn, d.o.b., address, phone number, and DL #. In this trespassing I have been having trouble getting approved for loans, lines of credit with a fair apr % rate, and deformation of my credit worthiness which is very unfair and abusive. To add to insult of injury Equifax didn't notify me of this data breach settlement. I had to find from XXXX XXXX This should fall under UDAAP. This is not acceptable to me as a consumer!
Product: Mortgage

I have contacted Specialized Loan Servicing ( SLS ) many, many times. SLS sent four Satisfaction of Mortgage Letters to me ( see attached ) and cfpb complaints are also listed below : XXXX XXXX XXXX In spite of four letters sent to me from SLS, stating Satisfaction of Mortgage , SLS continues to report a balloon payment due on my credit report. I have written many, many requests to remove this incorrect statement from my credit reports and they refuse.

SLS refuses to tell the truth, remove inaccuracies on my credit reports, which creates an entry under " Potentially Negative '' and reduces my creditworthiness, and it is false. They refuse to correct their error to match the Satisfaction of Mortgage letters sent to me on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an AVANT credit card.I call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called Avant and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says my credit file is blank. On XXXX XXXX they fixed the problem while i was on the phone. 2 days later on XXXX my credit file is blank once again. XXXX and XXXX is fine. I also signed up for their trusted premier service. This has been going on since XXXX XXXX i have 5 new credit inquirys that say credit report not found.
Product: Credit reporting or other personal consumer reports

This is to follow up on the unresolved issue regarding the inaccurate reporting of fraudulent items on my credit report. I am very frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that these items are accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXX OF XXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, 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. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I don't understand how two student loans are on my credit report six times that's not fair. I can't repay them, I'm in debt and they are in forbearance. I have two student loans that show up closed on my credit 6 different times I keep writting XXXX but they are not fixing it
Product: Prepaid card

I received an email how about Friday night XXXX XXXX 2015 the email was from american expres serve in the email it was just plain mean that my account was being closed and the reason why they told me my account was going to be close was because I was in violationin violation of section XXXX XXXX XXXX XXXX XXXX XXXX Bank Account and XXXX XXXX XXXX XXXX credit card, XXXX ( XXXX ) debit card or debit/payroll card issued in your name. We reserve the right, in our sole discretion at any time, to limit or change the number or type of Payment Funding Sources an individual may link to an Account. You may not load funds to your Account from any source that we do not expressly permit in this Agreement. In the event you link or add funds from a Payment Funding Source that is not in compliance with these terms, we reserve the right in our sole discretion to limit, block, or place a hold on certain transactions or transfers and/or close your Account. ) now my account from XXXX XXXX XXXX a week earlier I provided them the statement which indeed prove that I was the owner of the XXXX XXXX XXXX account I will be providing also that statemen that I submitted to them so you guys will be able to see it as wellwhen when I got in contact with american expres sure they really were very rude not listening to what I had to say they just said we 're going to close up your account in the sad andthe funds the funds approximately equal in to almost {$20000.00} in that account I told him that I gave they were going to close my account that I needed the money ASAP they told me no they told me they were going to keep the money and that was thatnow if they do n't want to do business with me I do n't really it does n't really matter to me I just need my money to be distribute out to me as XXXX have bills to I rent to pay I have bills to pay they have been waiting for so long that I could lose a lot by not having those funds so he could please help me out with this I will highly appreciate that and american expres pretty much contradicted yourself because I mean they 're saying that I was in violation of XXXX XXXX I mean I was in no violation because the account is mine so I do not understand why they took that decision
Product: Credit card

I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent companies.I am requesting all transactions with a company by the name of XXXX appearing on my bank statement as XXXX XXXX be disputed as the services purchased were not provided to me as described.I paid them in XX/XX/XXXX2015 after they contacted me by an unsolicited telemarketing phone call. I have allowed more than enough time to pass and at this point I have come to the realization that they took advantage of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Collections is listed on my credit report. The report doesn't even list the correct dates ( which makes the balance look never and lower my scores ), but that is irrelevant since the entire balance is invalid since I am a Medicaid recipient and Medicaid recipients are not allowed to be billed for non-covered services unless the provider tells the patient before the service is rendered and the agree in writing to this service, which I did not do. I even asked for the service to be pre-authorized, which it was.
Product: Mortgage

Ditech mortgage continues to misapply my principal payments. After my initial complaint at a XX/XX/2016 they properly applied one maybe two payments. Unfortunately, Every principal only payment has been misapplied in the last few months. I have made numerous complaints and have received no relief. I called in several times to complain about the missaplied XX/XX/XXXX payment and have yet to see it properly applied.
Product: Money transfer, virtual currency, or money service

on about XX/XX/2020. {$2500.00} was send to me by my sister from the XXXX XXXX to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCXXXX XXXX XXXX XXXX XXXX XXXX Code : XXXX. The money was never deposited it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I had a XXXX credit card.XXXX  went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the XXXX XXXX XXXX card when they said it was denied.XXXX  needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/2020 at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/XXXX
Product: Credit card

This is concerning synchrony bank account thru Walmart for {$1500.00} credit line ... A continuance of XXXX bank account issues. I 'm paying 22 % interest on the Walmart card but the told no interest can be paid till the balance is paid off but again I am charged 22 % interest on the balance monthly.. I 'm to be paying {$25.00} per month minimum I 've been paying {$40.00} collars average for months.. XXXX wo n't help me completely pay off the balance, so that I only owe XXXX place. Soon when they say that they understand, thats false because if the cared and understood then they would helphelp me out without the excuse that I am struggling ... Yes I am struggling.. Me I am struggling not the payments, those are ok but to assist I 'm to pay both, paid more then enough by the VA to afford it all but want XXXX to assist so that I only have XXXX debt that the VA pay can cover the other excuse I was given if something happens I ca n't pay.. Yes I can the VA pay is for life and direct deposit to my accountBut synchrony bank I charing me total 44 % interest 22 % monthly now and 22 % when the whole balance is paid off but if its accruing interest now till I go to pay it then I 'm being XXXX taxed on interest I 've tried to get heard but no one is concerned they are paid. But how to get the account gone I 'm trying to do the intelligent and I need assistance but everybody does n't care who is a real supporter