Product: Debt collection

XXXX, XXXX and demand for disclosures under TILA. I demand a response from the REAL human being authorized employee of the CREDITOR who has personal knowledge about all charges and fees. I reject illegal responses from unregulated Artificial Intelligence sent to me by XXXX XXXX XXXX XXXX XXXX robots who answer complaints addressed to faux company PennyMac Loan Services , LLC . I also demand a copy of the LEDGER of the account receivable where my payments are deposited and direct contact information of the accountant/bookkeeper who personally maintain this ledger. 
In XXXX  AI-generated Mortgage Activity Statements faux company PennyMac Loan Services , LLC dba XXXX XXXX apparently received much more money than I pay to XXXX XXXX [ whose XXXX companies sent these paymkents to unrelated to my case faux company PennyMac Loan Servicing LLC and All Other payees who are not disclosed to me ) each month and unapplied a significant part of my payments. 
According to demands from XXXX XXXXXXXX, my alleged escrow payments are {$190.00} which is a part of my Amended Claim which suppose to covers ALL payments-for-profit arrangement, including past due profits and well as current revenues for undisclosed to me other payees I pay {$1500.00} per month under this plan, which is based on illegally increased to {$190.00} escrow while my actual escrow is {$91.00} started on XX/XX/2024. So, each month I have {$100.00} escrow surplus which in XXXX XXXX is {$2500.00} [ overpayments for escrow ] However, faux company PennyMac somehow managed to received much more escrow payments each month. 
In XX/XX/2024 payment received for escrow was {$270.00}. In XX/XX/2024 payment received for escrow was {$270.00}. In XX/XX/2024 payment received for escrow was {$130.00}. In XX/XX/2024 payment received for escrow was {$230.00} ; in XX/XX/2024 payment received for escrow was {$230.00}. Total escrow payments received by Other Payees in XXXX XXXX was {$110000.00} for escrow only. My monthly escrow payments are {$190.00} or {$990.00} for XXXX XXXX. Actual escrow payment is {$91.00}, or XXXX XXXX. Which makes it {$670.00} surplus in XXXX XXXX. 
Despite all these mysterious overpayments from unknown to me funds, all this time a substantial amount of profits was claimed as unapplied On XX/XX/2024 was {$89.00} partial payment which was unapplied On XX/XX/2024 it was {$66.00} partial payment which was unapplied On XX/XX/2024 it was {$650.00} partial payment which was unapplied On XX/XX/2024 it was {$28.00} partial payment which was unapplied On XX/XX/2024 it was {$460.00} partial payment which was unapplied I demand an answer from the real human being an accountant or bookkeeper who has personal knowledge about receipt of MORE money than I pay each month, why here are partial payments if I pay progits to other payees as they demanded from me under duress ; and that is done with {$2500.00} surplus of my overpayments for escrow and why it is not refunded to me as mandated under RESPA. 
Please disclose who owns the account receivable where my payments are deposited ; name and direct contact to the accountant/bookkeeper who receive and deposit my payments and a copy of the LEDGER of the account receivable owned by the CREDITOR who paid value for the debt,