Product: Mortgage

I am filing this complaint regarding a potential violation of mortgage terms related to the property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I believe the mortgage on this property, managed by LoanDepot.com LLC, may involve occupancy fraud, which directly impacts my rights as a tenant. Furthermore, I am now facing eviction, which may be unlawful due to the suspected fraud. 

Detailed Explanation : I have been a tenant at the property located at XXXX XXXX XXXX, XXXXyXXXX XXXX XXXXXXXX since XX/XX/XXXX. According to public records, the property owner, XXXX XXXX, acquired the property with a New Conventional Loan from XXXX XXXX. The details of the mortgage are as follows : Loan Type : New Conventional Loan with XXXX XXXXXXXX XXXX XXXX : XXXX XXXX Loan Amount : {$370000.00} Document ID : XXXX Recording Date : XX/XX/XXXX Original Contract Date : XX/XX/XXXX Due Date : XX/XX/XXXX Given the nature of a New Conventional Loan, it is typically required that the borrower occupies the property as their primary residence. However, the timeline of events suggests that the property was never occupied by the borrower as a primary residence. Instead, it was rented out to me almost immediately after the loan was secured. 

Reasons for Concern : Occupancy Fraud : The mortgage terms likely required the borrower to occupy the property as their primary residence. The immediate rental of the property raises concerns that the borrower may have misrepresented their intent to occupy the property, which could constitute occupancy fraud. 

Impact on Tenant Rights : As a tenant, I am directly affected by any fraudulent actions related to the mortgage. If the loan terms were violated, my lease and rights as a tenant could be compromised. 

Facing Unlawful Eviction : I am currently facing eviction from this property, which may be unlawful due to the suspected occupancy fraud. This eviction could be a direct result of the property owners potential violation of the mortgage terms, placing me in a precarious and unjust position. 

Request for Action : Given these concerns, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine if the mortgage terms were violated. Specifically, I request that the CFPB consider the following actions : Subpoena of Mortgage Documents : I request that LoanDepot.com LLC be subpoenaed to provide all relevant mortgage documents, including the original loan application and any related communications, to verify the occupancy requirements and whether they were violated. 

Investigation into Occupancy Fraud : I ask that a thorough investigation be conducted into the possibility of occupancy fraud and any related violations of federal lending laws. 

Protection of Tenant Rights : I seek assurance that my rights as a tenant are protected during this investigation, and that any actions taken by the property owner, including the eviction proceedings, are in full compliance with federal and state laws. 

Supporting Documentation : I am prepared to provide a copy of my rental agreement, communications with the property owner, and any other relevant documentation to support this complaint. Please let me know if there are additional steps I should take to assist with your investigation. 

Thank you for your attention to this serious matter. I look forward to your prompt response and any action the CFPB may take to address these concerns. 

Sincerely,