23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bridgecrest is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated. ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I the consumer have never given explicit written consent for Bridgecrest to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. I demand Bridgecrest cease and desist pursuant to federal law 15 usc 1692c ( c ). Bridgecrest is in violation if the account is continuing to report on my consumer reports and Bridgecrest does not have permissible purpose to report this account pursuant to 15 usc 1681b. Immediately remove from all consumer reports Bridgecrest Credit Company LLC XXXX.
Product: Vehicle loan or lease

The payoff check for my loan was received by Kia Motors Finance on XX/XX/21, and processed on XX/XX/21. The amount was never applied to my account, and no one at Kia seems to know where the payment went. The check had my name, VIN, and account number on it so it was easily identifiable. I have also provided them with the check number, but that did not seem to help either. They seem to have just taken the money, and expect me to make payments on a vehicle that I no longer own. The vehicle was sold to XXXX, XXXX and they were the ones who made the payoff. I am stuck in the middle with the threat of my credit being ruined, and no one seems to really care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon cheking my credit report XX/XX/2022, I found an account belonging to someone else ( XXXX XXXX XXXX XXXX XXXX to my credit reports. My credit file, espeially XXXX, has been in special handling department for XXXX due to file merging issues. This account was kept in good standing which is why I never noticed Best Egg on my credit reports until it was reported delinquent. 

Account holder has a different middle and last name ( XXXX XXXX XXXX is my name and only name ive ever gone by ). I won my dispute with XXXX and XXXX with removing the alias name, address, and other information from my credit reports due to this inaccuracy. 

Best Egg has yet to privde PROOF of identification ( photo ID, social seurity card, selfie ) or any other supporting documentation to prove the identity of the rightful owner of the acount they're reporting. If they had proper doumentation, they could cross reference to see we are XXXX different people. 

Legal action will be taken after this attempt to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX-2021 i sent Equifax a cerified mail to dispute the inaccuracies on my credit report, its been over 30 days and they have not responded to my request. Under the FCRA they are required to respond in 30 days, and they failed to do so. I am extremely stressed and sad they violated my consumer rights. I want these inaccurate, unverifiable accounts to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I place a dispute with XXXX and Trans Union because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Product: Debt collection

I filed complaint # XXXX back on XX/XX/XXXX regarding Portfolio Recovery Associates Inc. regarding false statements or representation. They claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were retained and responsible for providing the correct amount of payments I made on XXXX County case # XXXX. The original debt was {$20000.00} but a settlement was reached for the amount of {$8200.00} with payments to begin XX/XX/XXXX. Portfolio Recovery Associates Inc. has been reporting the incorrect amount since XX/XX/XXXX and claimed in response on CFPB complaint # XXXX that XXXX XXXX XXXX XXXX XXXX were the ones responsible for reporting the incorrect amount. My credit report has Portfolio Recovery Associates Inc. reporting the incorrect amount. I reached out XXXX XXXX XXXX XXXX and they sent me the attached letter. This is proof that Portfolio Recovery Associates Inc. has been negligent and reporting false statements to all 3 major Credit Reporting Bureau 's. The letter dated XX/XX/XXXX indicates my balance is {$5100.00}. Since then, I have continued to send my {$100.00} per month due the XXXX  of every month. My balance should be {$4600.00}. This is the correct amount that should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX and I bought a car on XXXX at XXXX XXXX in XXXX, CA. I worked with XXXX XXXX to purchase a new XXXX XXXX XXXX. We were paying cash, and he pulled our credit report first without our consent. I asked him why he was doing this because we didn't need credit, and he specifically stated multiple times it was to ensure our identity even though we provided our social security numbers, our drivers licenses, and our identification. He specifically stated after I inquired again why the need for a credit check that it was a soft pull, and that it was to ensure we weren't XXXX and that it was insurance if our cashiers check didn't cash and they could come and collect the vehicle. He pulled our reports without our consent, lied multiple times through my inquiries, and manipulated us into signing a credit consent form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 I made my last payment on my bank loan for 1.5 years I deserve to be treated equally and as fairly as a white person. I DESERVE equal fair treatment!! Experian dropped my credit score by improperly prejudice " Closed acct ' how is this even legal. I attempted to file dispute not sure if correct report # XXXX. 
I also paid off a XXXX auto loan never late I never receive what I'm entitled to. What's wrong with this country stealing people 's rights we thought we overcame XXXX  Does any law apply to this action
Product: Debt collection

settle for XXXX to XXXX XXXX XXXX collection agency by mistake send a check for XXXX contacted them and they will not send me back the amount over paid I am on XXXX tried several times they fraud told me a lower amount to settle my account and now what give me back the money that is due to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX DE XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$16000.00} ; XXXX  XX/XX/2021.
Product: Credit reporting

Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX XXXX, NA Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. 
XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is regarding my debit card dispute filed with Discover on XX/XX/year>. I have documentation to support my claim that these transactions were paid by other means ( statement from my other bank card plus an email from the merchant ). This was sent to Discover via the online portal in the app. I received an email confirming the document was received, but the representative XXXX I spoke to was not able to view it on the call. She confirmed that this information was notated for the disputes team. I also was not given a reference number for the dispute. 

This report is being submitted to confirm Discover follows banking regulations and applies the temporary credit to my account within a maximum of 10 business days. I will also need this bank to reach out to me via email or phone if any additional information is needed, before deciding to close my claim prematurely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Product: Money transfer, virtual currency, or money service

After making a deposit payment ( XX/XX/19 ) to XXXX XXXX ( military veteran ) for a condo, we changed our minds within XXXX. He replied back to our email that he would refund us the {$600.00}. However, we never heard back from him. We executed a rental contract that we would receive the keys the morning ( XX/XX/19 ). When XXXX failed to provide the keys on time, we decided to cancel the agreement to find other arrangements. He responded sympathetically and agreed to return the money ... as long as we provided a screen shot that the funds indeed went through. I told my fianc not to send him the confirmation and instead contact Chase and or XXXX. Chase recommended we send a Request to Refund. We sent it and received no response. My fianc sent the confirmation email with hopes he would return the money. But, still no response. Can someone please tell us how to get this resolved? There must be something that can be done! If not for us, the millions of others that will stop using XXXX and other options if there is no sort of fraud protection. 
XXXX, FL We also confirmed this guys used a fake ad on craigslist as the condo he was offering never existed. XXXX # XXXX unit XXXX at XXXX XXXX XXXX FL. XXXX XXXX is a XXXX. That may not even be his real identity. His email is XXXX and he uses a XXXX phone number.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and associated inquiries from my credit report. As a victim of identity theft following a data breach, I am asserting my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) for the removal of these unauthorized entries. 
Please find the details of the fraudulent account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

I have never lived in XXXX, Tx or had any services in my name in XXXX. I have been living in FL for the past decade. This account is the result of identity theft and should be removed from my credit report ASAP.
Product: Credit reporting

Disputed mulitple entry on credit report with trans union on several occasions. Trans Union will verify the account is at XXXX balance but refuses to remove the duplicate entry.
Product: Credit reporting or other personal consumer reports

I anticipate the XXXX and TransUnion Credit Bureaus will expeditiously remove the designated items from my credit reports within four business days, in accordance with FCRA Section 605B ( a ). My eagerness stems from the expectation of receiving a monthly updated credit report within 15 days from the current date. It is essential to reiterate that FCRA Section 605b mandates Credit Reporting Agencies to promptly eliminate any items identified by the consumer as information resulting from an alleged identity theft. In my case, these items are specified under reference # XXXX. This complaint serves as a follow-up to my recent submission dated XX/XX/2023. To facilitate the removal of selected items, I have taken the initiative to once again list them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX  XXXX # XXXX BALANCE {$0.00} Account Name : XXXX  # XXXX BALANCE {$0.00} Account Name : XXXX  # XXXX BALANCE {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and it was a total loss. The company Santander was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.