23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXXXXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

I have automatic billpay setup with my bank, but the XXXX payment never made it the payee 's bank. My bank provided confirmation and tracking numbers, but the payee 's bank has no record of the deposit. I have spoken with my bank and explained the issue and a representative suggested I dispute the charge, which I did. My bank refused to recall or cancel the charge. I paid my bill a second time and now I am out {$1200.00}. The payee 's bank asserts the issue is with my bank. My bank asserts the problem could have been because of the holiday weekend and system maintenance and, because of this, all transfers were delayed, but my payment still has not been received.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX ***Fraudulent charges & do not belong to me XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ph : XXXX This sham of a collection company has reported a Collection debt on my personal credit report with XXXX, XXXX XXXX XXXX FRAUDULENTLY which has affected my XXXX score dramatically. This debt is fraud and debt does not belong to me. I am in my legal right to request it be investigated and removed immediately from all credit reporting agencies and this company should be investigated for illegal collection practices.
Product: Mortgage

They helped us stop the foreclosure process and we were doing a loan modification so we thought, and then Wells Fargo turns around and says we never did the loan modification and that they were still proceeding with the foreclosure but they never said anything to us on the phone when we would call to make the payments, we are in the process of filing a lawsuit against Wells Fargo for all the damage to our Credit and to our health we have XXXX XXXX now due to all of this we were never properly notified to begin with when this all started to even give us options at first to call them and talk about options, and they are the ones who told us to not pay the mortgage during the modification when we first tried to do it so its there fault we fell more behind ... we are so upset over this
Product: Debt collection

The amounts that are said to be owed are incorrect. When moving out in XXXX  XX/XX/2015 I was in contact with the leasing office about what was owed. I paid all the arrears in XXXXXX/XX/2015 and only owed the prorated amount for XXXX. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.
Product: Mortgage

I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in  XXXX  the house was approached for  XXXX  but a house seemlier to my house in the  XXXX   XXXX  sold for  XXXX  i tried call to explain to  navy  that the  XXXX  used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noted it has dropped from XXXX to XXXX and when I checked the details I realized someone has taken an aut loan from Toyota moto credit company on my name in XXXX XXXX, IA and possibly XXXX and defaulted. I have never been to any of these cities. I am sure I am a victim of identity theft and I suspect the source is my XXXX company ( XXXX ) which informed me their data including mine has been hacked. I made a dispute with XXXX companies and informed them. I plan to call Toyota credit and letting you know as well. I dont know what else I can do???
Product: Credit reporting or other personal consumer reports

For over XXXX  years I have requested the following Companies To VALIDATE these XXXX Accounts. 
Every Time I Request Validation they ignored my VALIDATION REQUEST, but proceed to tell me the accounts were verified as Accurate and did nothing else.I did not request the accounts to be VERIFIED, I requested VALIDATION ( PROOF OF THESE DEBTS ) Why in 6 years no one could not send me a Past Due Notice before charging off accounts that were never VALIDATED? where are my Statements please. it is now my XXXX that these companies ignore the FDCPA and just put accounts into Collections or XXXX them off without proof of the debt. All I requested was a Simple XXXX that VALIDATES these debts? XXXX Bank sold XXXX accounts and never VALIDATED Them before they charged them off and sold them to collection agencies.l All XXXX XXXX Credit Bureaus XXXX never tried to resolve my complaints XXXX XXXX XXXX XXXX XXXX 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: Debt collection

You have harassed me numerous times and I require you to ceast and desist all communications with me and block and remove your information from MY consumer report
Product: Credit reporting or other personal consumer reports

I requested the inquiry from JPMCB to remove from my credit bureau including all 3 major bureaus : XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

After numerous attempts to speak to someone over the phone, via their dispute site, and through mail, I sent a formal letter of intent to sue over the following FCRA violations. This was the only time that I received correspondence. 
Numerous Privacy violations FCRA VIOLATIONS INCLUDING REPORTING OLD/OUTDATED INFORMATION, MIXING MY CREDIT FILE WITH MY FATHER 'S ( WHO HAS THE SAME NAME AS MYSELF, AND HIS WIFE AND MY WIFE 'S FIRST NAMES ARE THE SAME ) FAILING TO SEPARATE MY FATHER 'S CREDIT FILE FROM MINE. 
Failing to investigate a dispute REFUSING TO DELETE UNAUTHORIZED INQUIRIES CIRCA XX/XX/year> AFTER A PHONE CALL FROM ME STATING THEY WERE NOT VIABLE, FAILING TO UPDATE RECORDS. 
Violating 15 U.S.C. 6802 WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

15 USC 1681 STATES TRANSACTIONS ARE TO BE EXCLUDED AND THE REPORTING OF LATE PAYMENTS IS ALSO ILLEGAL AND YOU HAVE ALLOWED SUCH THINGS ON MY CREDIT REPORT IMPERMISSIBLE CREDIT PULLS AND PRIVACY VIOLATIONS INCLUDING 15 USC 1681Q- OBTAINING INFORMATION UNDER FALSE PRETENSES, THEN VIOLATING 15 USC 6802 ( XXXX XXXX XXXX XXXX ) WHEN YOU DID NOT ENSURE THE PROTECTION OF MY PERSONAL FINANCIAL INFORMATION. 

18 USC 1028 A- THIS IS A FORM OF AGGRAVATED IDENTITY THEFT AND IM LOOKING TO PURSUE DAMAGES TO THE EXTENT OF THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I discovered an old account from Santander Consumer USA, reporting a charge off with balance owed in the amount of {$19000.00} I've contacted the Credit Bureaus and Santander multiple times to correct or remove this incorrect information from my credit reports. I've continued to review my credit reports and the Credit Bureaus have not acknowledge my complaint and Santander has been unresponsive to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$82.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXg of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I made a payment of {$130.00} to fully pay off the account. The creditor agreed to delete the account from the credit report. I have filed 2 disputes since then to get them to remove the debt and they are still reporting to XXXX  that the debt is still outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan for {$1200.00} from XXXX XXXX XXXX. Part of the agreement of that loan was that I could pay off the loan in full at any time. I sent them a check for {$1200.00} on XXXX with the terms written on the check that the account would be paid in full.. They agreed to those terms when they deposited that check on XXXX. They are now claiming that they never received my payment and are reporting to the credit bureau 's that a balance of {$1800.00} is still owed and has been charged off. I sent XXXX XXXX a letter dated XX/XX/2018 and enclosed a copy of the check they endorsed and deposited. I than initiated a dispute with trans union. XXXX XXXX are still claiming that they never received the funds even though I have proof of payment through my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to willfully report inaccurate information on my consumer report. 

Company has identified me as XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, LA XXXX. 
I have never lived at this address and have called numerous times and disputed this information.. They refuse to comply with FCRA. 
15 US 1681e- Compliance Procedures B Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Chapter XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies XXXX, XXXX, and TransUnion. 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Mortgage

This complaint is in relation to my Mortage insurance policy. I currently have PHH Mortgage as a lender on the home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I filed a complaint on the mortgage company reference number : XXXX. My mortgage monthly payment was inflated because the mortgage company applied a hefty fee for purchasing flood insurance through their company which cost a total of {$2600.00} annually. I recently purchased standard flood insurance which cost approximately {$440.00} annually and the mortgage company flood insurance was canceled. Afterwards, they forwarded a letter stating they will not accept our XXXX XXXX XXXX. So, if they do not accept it, we would have to purchase an inflated XXXX insurance. I communicated with PHH mortgage insurance section, and they informed me the reason for the decline of XXXX XXXX  policy is it does not reflect the homeowners name or unit number on the declaration pages. I made contact with the master condo policy insurance provider, and they made an amendment to the policy now reflecting our name and unit number on the policy. PHH Mortage insurance sector representative decline to accept it. Stating the policy does not list the homeowners name on the property hazard section. They refuse to accept it and threaten to purchase an inflated XXXX insurance policy through their company. For the record since XXXX of XXXX, we always had an active XXXX insurance, and they never made it an issue before. 

Included within the attachment please view the association master condo policy.
Product: Debt collection

I have a charge off on my credit report for {$4200.00} from Chase bank. Ive never had a Chase credit card and would like like this deleted from my credit report. It's really effecting my credit score and I never caused the debt. I've never had a Chase credit card in my life. Please help. It was opened XX/XX/XXXX and the charge off was on XX/XX/XXXX. Please help!
Product: Checking or savings account

I reported fraud because 2 separate withdrawals were made at a Wells Fargo atm. I did not authorize nor make those withdrawals. I immediately reported them and even provided information as to where I was at the time. The claim was closed and the reasoning was we do not beleive it was fraud- the withdrawals happened because I had given another person authorization to do so. 
I personally met with a banker at said location and I was told the claim was sent to the next level and reopened. 
A direct deposit for CHILD SUPPORT was made that night and the back garnished it, when I called I was told a decision was made not to reopen. 
I lost access to my deposits. No proof of findings was ever given and I have a police report. I am left penniless
Product: Debt collection

I pulled my credit with XXXX XXXX and noticed that I had an account with a collection agency named CKS Prime Investments LLC. I found a contact number for their customer service and called them to inquire what this debt was as XXXX XXXX did not list an original creditor. The man I spoke with got my information ( name, address, etc ). I then told him that I wanted to verify that whatever this debt was truly belonged to me as XXXX XXXX didnt list any creditor information. The man stated that before they could validate the debt that I would be required to pay a {$1.00} processing fee due to the system they use and asked how I wanted to pay that. I asked why should I have to pay a fee to find out what this debt is and if it actually is mine? The man repeatedly stated that that was their policy that before they could release any information the fee had to be paid. I advised that was illegal that I have the right as a consumer to know of a debt is truly mine and be able to obtain information on it since its affecting my credit. The man advised that was their policy and the call was ended.
Product: Credit reporting or other personal consumer reports

XXXX XXXX KOALAFI XXXXXXXX Balance Owed : {$960.00} I believe the information being reported to be inaccurate.
Product: Credit reporting or other personal consumer reports

The personal details listed in this document do not pertain to me.
Product: Checking or savings account

PNC opened a Virtual Wallet account for me and it has been a nightmare- but the problems have been happening for years. They charge me $ XXXX month, there is NO grace period for transferring money to cover checks - even if this happens within the same few hours in a day. It is difficult to keep track of transactions as some come out of checking and others out of my spend account!!! They have also changed transaction order to benefit them and charge me more - showing transactions on different days after I had already seen them processed on my end. I want credited for the monthly charges and inaccurate NSF fees.
Product: Consumer Loan

I purchased a commercial vehicle in XX/XX/2016 from XXXX ( XXXX ) and was informed that the product was a loan and that there were no penalty to payoff the loan. I later learned that XXXX was not the loan holder and that company was Financial Pacific Leasing. I also learned it was not a loan as explained by XXXX and that it was a lease agreement. This information was all learned after I gave them a down payment of {$17000.00} on {$65000.00}. I was under the impression via multiple converstations from the XXXX that my payoff balance {$55000.00}. The company intentionally misrepresented this information to lure me into a loan of which I had many other options to pursue because of my down payment amount and cash I had on hand. I never intended on obtaining a lease agreement of any sort and did not learn about the agreement until loans were already processed and finalized. I called in XX/XX/XXXX to get the payoff amount for the loan I was advised it is {$110000.00} which was a shock and no where near the {$55000.00} balance payoff I was advised of.