Product: Vehicle loan or lease

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX Account Holder : XXXX XXXX Account : XXXX Loan balance : {$32000.00} Monthly payment : {$620.00} Length : 60 months ( XX/XX/XXXX - XX/XX/XXXX ) Payment due date : 17th of each month To whomever it may concern, I'm writing you in regard to XXXX XXXX  account # XXXX. First and foremost, I have reached out to XXXX XXXX  and requested that they send me the original signed documents on this account and every document associated with this account. Thus far as of this date I have not received these documents. 

Next, I would like to add that when this account went into default, I was affected by XXXX. Being that my source of income is real estate. Thus, XXXX was a worldwide pandemic that cost millions of people lives. During XXXX most people including myself suffered financial hardship that most of us never experienced in our lives. By trade I'm a real estate professional. I buy, rehab, sell, trade, and rent out affordable housing to low economic individuals. However, during XXXX all of this ceased. In several of my property 's renters did not pay me rent for nearly 2.5 years and during these months nonpayment 's, by law I could not evict these none paying renters. In fact, for approximately 18 months in my city housing courts were closed to the general public. 

Also if you look at the payment history of this account you will see that I paid every payment in expedite fashion. I paid {$34000.00} on a {$32000.00} ( 60 ) month loan within 36 months. Thus, XXXX XXXX  had received their entire principal loan back within 33 months. Thus, the amount that XXXX XXXX  and I am disputing was profit, and I believe there has been a miscalculation of interest that was owed. 

Also before, I go further, into detail. It's hard to swallow that XXXX XXXX  would put this adverse information on my credit report and be unwilling to remove this negative mark considering that prior to this incident I had banked with XXXX XXXX  for 20 years and have entrusted them for many years with thousands of dollars while I received minimum interest on this money, if I received any. 

I firmly believe that XXXX XXXX  did not apply my payments correctly, thus they overcharged me interest on this account And even though I paid the {$580.00} that was in dispute I do not believe that I ever owed this money if my payments would have been applied correct Did not reduce the number of payments owed on this account correctly Nor when XXXX XXXX  charged off this account in XXXX, I never received a 1099-c At the end of XXXX or never. Thus, they wrote this off, then still collected on this account. Basically, got paid twice for the same alleged {$580.00} that to this day I do not believe I ever owed. 

If you look at XXXX XXXX  account # XXXX payment ledger, you will first see the expedited fashion that I made these payments, and you will also see that instead of paying {$620.00} per month. Most months I paid {$1000.00} per month toward this account totaling {$34000.00} in a 36 month time span ( XX/XX/XXXX to XX/XX/XXXX ). Which far exceeded the amount that was due during at this time ; 36 * $ XXXX {$22000.00}. 

This method should have reduced the number of payments and lowered the interest owed. 

This XXXX XXXX  loan transaction payment ledger shows that on XX/XX/XXXX ( 36 months into the 60-month loan ) that the balance owed on the initial {$32000.00} loan was only {$580.00}. This document shows within 36 months from XX/XX/XXXX thru XX/XX/XXXX a total of {$34000.00} in payments had been made on this account. You will get this total if you add up all the payments that were made from XX/XX/XXXX thru XX/XX/XXXX. 

Next, I would like to add that if {$34000.00} had been paid in a 36 month span as shown in the payment ledger, that equates to 55 paid in full payments of {$620.00} with a remaining balance of {$240.00} going toward the 56th payment ( {$620.00} payment per month * 55 monthly payments ) = {$34000.00}. 

{$34000.00} = total amount of payments made XX/XX/XXXX thru XX/XX/XXXX in 36 months - {$34000.00} = 55 payments * {$620.00} per month ____________ {$240.00}. Remaining balance after paying 55 payments which should be credited toward the 56th payment Therefore, if 55 complete payments would have been paid in full beginning XX/XX/XXXX, the 56th payment out of 60 total payments that were due in this loan would not have been due until XX/XX/XXXX. 

55 months after XX/XX/XXXX would have been XX/XX/XXXX Therefore, how could any payments be late in XX/XX/XXXX- XX/XX/XXXX. XX/XX/XXXX was only 50 months from XX/XX/XXXX. 

after deducting XXXX the balance owed in the XXXX moth at worst should have only been {$370.00} {$620.00} XXXX payment due XX/XX/XXXX - XXXX remaining balance left over from 55th payment _______ {$370.00} Actual balance owed XX/XX/XXXX if interest had not been recalculated Therefore, this is the 2nd piece of inaccurate information XXXX XXXX  has delivered to the 3 credit Bureau agencies . 

Furthermore, both XXXX and Transunion have conflicting data as to when this account allegedly went into default. XXXX XXXX  reported to TransUnion credit reporting agency document # 9 states that despite making {$34000.00} in payments over 36 months that this account was 30 days past due XX/XX/XXXX, 60 days past due XX/XX/XXXX, and 90 days past XX/XX/XXXX. 

XXXX credit report states that in XX/XX/XXXX this account was 60 days past due, in XX/XX/XXXX this account was 90 days past due, then XX/XX/XXXX this account was 120 days past due. 

This is the 2nd inaccuracy and as i stated at worst the payment due should not have been due to XX/XX/XXXX if the payments had been applied correctly, Also by making so many well ahead of its schedule due date, these payments if applied correctly should have eliminated the remaining 5 payments. These payments were made purposely to reduce the number of payments owed from the back end. 
reduce the interest owed Reduce the number of payments required to pay off this loan If you look at the payment ledger again from XXXX XXXX  for account # XXXX you will see that the first month payment on this account was applied on XX/XX/XXXX in the amount of {$3000.00}. {$3000.00} should have covered four monthly payments of {$620.00} ( XX/XX/XXXX thru XX/XX/XXXX. With a credit of {$490.00} that should have been credited to the XX/XX/XXXX bill that was due. 

These 4 payments of {$620.00} equate to {$2500.00}. 
4 monthly payments * {$620.00} per month = {$2500.00}. 
These payments through XX/XX/XXXX should have been paid, the remaining balance ( {$3000.00} - XXXX {$490.00} ) should have gone toward the XX/XX/XXXX payment XXXX - XXXX {$120.00} amount that should have been owed for the XX/XX/XXXX payment after the initial {$3000.00} payment in XX/XX/XXXX. 

XXXX payment made XX/XX/XXXX XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX XXXX XX/XX/XXXX payment _______ XXXX balance should have been applied to XX/XX/XXXX payment {$620.00} XX/XX/XXXX payment due - XXXX credit balance XX/XX/XXXX -- -- -- -- The overpayments each month should have gone toward the next payment that was due, and any overages should have kept going forward all the way to the last payment was made XX/XX/XXXX {$1000.00} payment made XXXX credited to XX/XX/XXXX __________ XXXX credit payments XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- {$240.00} should have been credited toward XX/XX/XXXX This process should have been applied after every payment. From my perspective, XXXX XXXX  did some unrecognizable math and 5 monthly payments are missing. Thus, XXXX XXXX  consistently reports the wrong total amount of payments that were made. Furthermore, we all know that if a debtor pays additional payments this will reduce interest, and the number of payments owed on the back end I've requested on multiple occasions over the last 2 years for XXXX XXXX  to walk me through as to how they came up with the number of payments that their ledger shows. However, all of these requests have also been denied, and I've been forced to try to guess how they came up with me owing them {$580.00} instead of having a XXXX balance as I firmly believe should have been the case. 

In addition, Document from TransUnion states the last payment made was XX/XX/XXXX in the amount of {$650.00}. It also states on this date there was a XXXX balance. 
Yet document # 6 which is from XXXX states in XX/XX/XXXX there was a {$160.00} balance. 
There is no exact date. However, nowhere on the TransUnion account does it ever mention {$160.00} was owed during XX/XX/XXXX. So was this account paid off or did it have a {$160.00} balance Document from XXXX XXXX  account # XXXX payment ledger shows that on XX/XX/XXXX a {$1000.00} was applied toward the payment that was due on XX/XX/XXXX The following month XX/XX/XXXX another {$1000.00} payment was applied for payment due on XX/XX/XXXX The month after that, on XX/XX/XXXX, another {$1000.00} payment was made and posted toward the XX/XX/XXXX payment Then on XX/XX/XXXX another payment was paid for XX/XX/XXXX Yet even though these payments are on XXXX XXXX  account # XXXX payment ledger. 
XXXX has no information regarding the XXXX, XXXX, or XX/XX/XXXX payments. Therefore, anyone looking at the XXXX credit report has to guess if payments were made on this account during XXXX XXXX. 
However, on the TransUnion credit report it is recorded that XXXX, XXXX and XXXX payments on XXXX XXXX  account XXXX had been paid. Therefore, this is inaccurate information that should be removed from my credit report. 


Because XXXX XXXX  ( 1 ) didn't apply the payments totaling {$34000.00} correctly and appropriately in sequences of {$620.00} payments which would have amounted to a little over 55 payments ( 2 ) because of the multiple inaccuracy of information that XXXX has reported to all reporting credit agencies that has harmed my financial capabilities as well as hindered my growth as a entrepreneur I reserve my rights under Fair Credit Reporting Act to request a thorough investigation of these inaccuracies and as required by law I'm respectfully requesting that any adverse inaccurate accounts from XXXX XXXX  be removed from my credit reports with gave out erroneous and inaccurate information and due dates prejudice Last but not least, because this negative remark has ruined my credit score, I have nothing to lose but everything to gain. Yet XXXX XXXX  has nothing to gain, because post XXXX I do not owe XXXX XXXX  anything regardless of their records or my records. Therefore, there's no reason for XXXX to keep paying someone to waste time on this matter when they can be doing something else productive. 

Why potentially waste main power and attorney fees on something that XXXX XXXX  gains nothing from. Because Im going to keep pursuing this matter even if I have to take this to court and sue any party involved for punitive and liquid damages for negatively adversely crippling my financial well-being. When all XXXX XXXX  has to do is give a good will gesture by simply removing this negative erroneous item off my credit report and be done with this saga and ill be very much appreciative to XXXX XXXX. 

Thanks in Advance, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX