Product: Mortgage

XXXX XXXX 1. Issuance of Unauthorized Loans : XXXX XXXX processed and issued loans totaling {>= $1,000,000} across XXXX separate transactions ( {$440000.00} each ) without my authorization. 
I was not informed of these obligations, nor was I given any opportunity to approve the terms. 
2. Negligence in Fraud Prevention : XXXX XXXX failed to detect obvious red flags, including discrepancies in documentation and the lack of my consent or knowledge. 

Grand Total of Fraudulent Loans and Transactions XXXX loans of {$440000.00} each, totaling {>= $1,000,000}. 
Combined with unexplained payoffs and fees, the financial harm caused exceeds {>= $1,000,000} ( as per closing disclosures ). 
Allegations These entities appear to have facilitated the following : Real estate fraud by processing unauthorized loans and title transfers. 
Identity theft by misusing my personal information to create financial obligations. 
Negligence in verifying the legitimacy of transactions and protecting my rights. 


This is a very long complicated matter from what I have the evidence I have collected where from taxes and the using of my social security number referencing XXXX Report # XXXX tracking number : XXXX for XXXX XXXX XXXX XXXX XXXX. 


The complaint alleges that on or about XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX signed as Husband and wife as Community property with full rights of survivorship agent name that prepared title was XXXX XXXX XX/XX/XXXX. 
In XXXX of XXXX the following XXXX statements came in from united wholesale mortgage all directed to XXXX XXXX XXXX 1. Pay off quote was from {$300000.00} with lender paid expenses of {$39000.00} with a total of {$340000.00} 2. Pay off quote was {$440000.00} with interest of {$7000.00} with at total of {$450000.00} 3. Pay off quote was {$300000.00} with lender paid expenses {$39000.00} with a total of {$430000.00} The bank involved was XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXXk NY XXXX Acct : XXXX Acct : XXXX United Wholesale Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Various signings occurred during and about XX/XX/XXXX to XX/XX/XXXX that I was not even aware occurred although I have the seller being XXXX title and one other person who continues to be in my documents is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ca XXXX Seller : XXXX XXXX XXXX {$450000.00} Owners Title insurance issued from XXXX XXXX XXXX for XXXX Version of XXXX XXXX  XXXX XXXX XXXX policy of title insurance XXXX. 
Government charges included were {$500.00} XXXX XXXX XXXX XXXX signings prior to the actual signing of XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX prepared XXXX XXXX for XXXX XXXX XXXX Company as XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX and Wife with Full rights of XXXX XXXX : XXXX XXXX XXXX XXXX Deed XXXX : XXXX XXXX XXXX XXXX : XXXX Estimated Buyers Statement : {$470000.00} XXXX XXXX XXXX {$120000.00} With a grand totaXXXX of : XXXX Now to be very clear I dont know about how these loans are even in front of my loan and buying all these things when I didnt have this type of money nor was I aware of such things being put in my name nor was there any knowledge these but as the houses sold like XXXX sold like XXXX XXXX all the family was there to include XXXX XXXX while I waited in the Jeep in the garage yes all the family was there I never received nor have I ever received any monies for this. 

Pay offs to the parties were to fist mortgage loan was {$300000.00} to the company New XXXX a payoff of {$120000.00} Closing Disclosure attachment XX/XX/XXXX Buyer : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Settlement Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Estimated Master Statement {$470000.00} with a pay off to seller {$120000.00} Loan Number : XXXX Case : XXXX : XXXX Loan Number : XXXX FHA # XXXX Deed Of Trust Preliminary Title report XX/XX/XXXX to the estate of XXXX XXXX XXXX XX/XX/XXXX XXXX deed of trust of XXXX dated XX/XX/XXXX modifying the agreement without the any of the other borrowers XXXX XXXX  XXXX  never protected our titles or alerted of the vesting changes document signed by XXXX XXXX XXXX XXXX XX/XX/XXXX was signed by XXXX XXXX issuing title insurance to XXXX XXXX XX/XX/XXXX. Which contradicts what UWM customer service representative said I funded in in XX/XX/XXXX. 
Grant Deed signed by XX/XX/XXXX signed by the party of XXXX XXXX XXXX and XXXX XXXX XXXX we entered an agreement to purchase XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. In this purchase agreement for XXXX during this time there was various dates as listed above. 
XX/XX/XXXX Title Insurance was issued to XXXX XXXX XXXX : XXXX escrow XXXX MN dated XX/XX/XXXX XX/XX/XXXX Preliminary Title Report states to the estate of XXXX XXXX XXXX but she is the first on excluded from title on XX/XX/XXXX the amount was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a single woman benificary was MERS soley as the nominee for XXXX XXXX XXXX a California XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Recording Number XXXX XX/XX/XXXX to XXXX XXXX the closing agent MN XXXX : XXXX Opening letter signed by XXXX XXXX Escrow Officer dated : XXXX XX/XX/XXXX XXXX National Tile dated XX/XX/XXXX XXXX XXXX signed document for XXXX XXXX XXXX indicated that XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as Community Property with wife of Surviorship agent name was XXXX XXXX. 
XX/XX/XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX include {$300000.00} to first mortgage loan XXXX XXXX and pay off was {$110000.00} XX/XX/XXXX Note XXXX was created at XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX states a new loan to UWM {$8200.00} XXXX XXXX {$7600.00} closing with XXXX XXXX XXXX not XXXX XXXX XXXX XXXX {$470000.00} Signed by XXXX XXXX Notes : XXXX XXXX XXXX Documents state the single signer was XXXX XXXX according to the CFPB report XXXX : XXXX XXXX XXXX UWM : XXXX No. XXXX XXXX. Total Loans and Transactions A. Major Loan and Mortgage Transactions 1. Three Loans of {$440000.00} each : Total : {>= $1,000,000}.

Loans appear to be tied to fraudulent activities involving title discrepancies and unauthorized signings.

2. Reverse Mortgage : Amount : {>= $1,000,000} million.

This reverse mortgage appears to be tied to the property, but details are unclear. Its unclear whether this was authorized or connected to the other fraudulent loans. 
3. Modification Loan ( XXXX XXXX ) : Amount : {$830000.00}. 
This modification may have been improperly processed, possibly connected to the unauthorized loans.

4. Cash-Out Transactions : {$990000.00} ( Secretary of Housing & Urban Development , cash-out ).

{$430000.00} ( cash-out loan with unclear details ). 
XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) : Amount : {>= $1,000,000}. 
This loan raises questions about its necessity and authorization given the other loans tied to the same property. 

B. Other Fees, Payoffs, and Disbursements 1. Payoffs to Lenders : {$300000.00} ( XXXX first mortgage ). 
{$120000.00} ( to another lender ). 
XXXX. Lender-Paid Expenses ( Multiple Statements ) : Three conflicting statements from United Wholesale Mortgage : {$39000.00} in lender-paid expenses ( total {$340000.00} ).

{$450000.00} ( including interest ).

{$430000.00} ( different totals but same loan base ).

2. Estimated Total Financial Impact 1. Major Loans : {>= $1,000,000} ( threXXXX loans ). 
{>= $1,000,000} ( reverse mortgage ). 
{$830000.00} ( modification loan ). 
{$990000.00} + {$430000.00} ( cash-outs ). 
{>= $1,000,000} ( XXXX XXXX loan ). 
Subtotal : {>= $1,000,000} 2. Payoffs and Expenses : {$300000.00} + {$120000.00} ( payoffs ).

{$39000.00} ( lender-paid expenses ).

Subtotal : {$460000.00} Grand Total : {>= $1,000,000} Explanation of the Issue 1. Pattern of Fraudulent Activity : Multiple loans were taken out under fraudulent pretenses using your personal information and property records.

These loans include both standard mortgages and reverse mortgages, which could not have been legally executed without your knowledge or consent.

2. Improper Loan Originations and Modifications : XXXX XXXX XXXX and XXXX Mortgaging appear to have originated several loans without proper verification or authorization. 
Loan modifications further complicate the situation, possibly obscuring the fraudulent origins. 
XXXX. Failure of XXXX XXXX XXXX and Escrow Officers : XXXX XXXX XXXX and escrow officers, particularly XXXX XXXX XXXX, failed to properly verify and protect your title. 
Conflicting documentation, discrepancies in loan amounts, and irregularities in the timeline suggest negligence or active complicity.

4. Unexplained Disbursements and Payoffs : Significant payoffs were made to lenders and sellers without clear justification or explanation of the funds origins.

5. Excessive Loan Balances and Debt : The total amount of fraudulent loans and obligations exceeds {$12.00} million, creating significant financial and legal harm.

Action Requested Given the scale of the financial harm and the number of parties involved, this matter requires an in-depth investigation. Specific focus should be placed on : 1. Loan Originators : XXXX XXXX XXXX, XXXX XXXX, and United Wholesale Mortgage. 
2. Title and Escrow Officers : XXXX XXXX XXXX and XXXX XXXX XXXX. 
3. Lenders : XXXX XXXX and other financial institutions issuing loans. 
4. Reverse Mortgage Providers : Verify the legitimacy of the {$6.00} million reverse mortgage.