Product: Mortgage

I entered into discussions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding a property transaction in XXXX at XXXX, XXXX, FL. After fulfilling all requested actionsincluding unlocking my credit reportsI received no further direct communication from XXXX. Subsequently, I was contacted by XXXX, Vice President of Sales at XXXX XXXX, who alleged that I had breached the contract. 

Upon receiving this claim, I requested that he provide evidence of an original contract as well as proof that XXXXXXXX XXXX  had provided me with any pre-existing assets in exchange for my financial consideration. To date, no such evidence has been presented. My understanding of 18 U.S.C. 471-474 ( Counterfeiting and Fraudulent Practices ), 12 U.S.C. 411 ( Obligation of Federal Reserve Notes ), and 15 U.S.C. 1605 ( Finance Charge Disclosures ) leads me to question the legitimacy of their claim and their adherence to banking laws governing credit transactions. 

Legal and Financial Concerns : False and Misleading Practices : I believe XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in deceptive and misleading business practices by failing to provide full disclosure regarding the financial and contractual nature of our transaction.

15 U.S.C. 45 ( Federal Trade Commission Act - Unfair or Deceptive Acts or Practices ) prohibits misleading statements, material omissions, and misrepresentations in business transactions. I was never provided with full disclosure of the nature of my note, how it was processed, or what specific financial obligations I was agreeing to.

Regulation Z of the Truth in Lending Act ( 12 C.F.R. 1026 ) mandates transparency in credit transactions, yet I was not informed of whether my promissory note was monetized, assigned to a third party, or whether XXXXXXXX XXXX XXXX XXXX XXXX XXXX profited from it. 
Failure to Prove Contractual Obligation : Under 15 U.S.C. 1605, a valid credit transaction requires clear itemization of finance charges and disclosures regarding consideration provided. I have not received an itemized breakdown of what Dream Finders Homes and Jet Home Loans provided me in exchange for the financial consideration I gave. 
Additionally, UCC Article 3 and 9 ( Uniform Commercial Code ) suggests that an original, wet-ink signed contract should exist before a party can claim a breach. I have not been provided proof that such a document exists.

Lack of Consideration and Full Disclosure : 12 U.S.C. 411 states that Federal Reserve Notes ( FRNs ) are obligations of the United States, not lawful money in and of themselves. As such, in a credit transaction, Federal Reserve Notes are not inherently required for an exchangeyet Dream Finders accepted these from me without disclosing the true nature of the transaction.

Truth in Lending Act ( TILA ), 15 U.S.C. 1639 mandates that lenders must fully disclose the material terms of a loan, including whether a note has been monetized and whether any third parties ( such as a lender ) are profiting from the transaction.

Concerns Regarding Fiduciary Duty and Third-Party Actions : My understanding is that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were acting as fiduciaries in this transaction, meaning they were legally bound to operate in my best interest. However, their actions indicate otherwise, as they are seemingly attempting to deprive me of both my financial consideration and the equivalent value of my note.

18 U.S.C. 1341 ( Fraud and Swindles ) and 18 U.S.C. 1343 ( Wire Fraud ) apply when an entity knowingly engages in deceptive financial transactions, particularly where material facts are misrepresented or omitted. 
Request for Return of Consideration and Note Value : Due to the failure to provide full disclosure, itemization, and lawful justification for their claims, I am requesting the full value of my note be returned to me, including all Federal Reserve Notes I provided as consideration for this transaction. 
Given that Federal Reserve Notes are not required in credit transactions, I question why they accepted these funds without properly explaining their role as a third-party fiduciary.

Summary of Issues : Engagement in false and misleading practices by failing to provide full disclosure of the transaction.

No proof of an original, wet-ink contract.

No itemization of charges or pre-existing assets provided to me in exchange for my financial consideration. 
Failure to disclose key financial terms, including the true nature of how my note was processed or monetized. 
Potential violation of federal laws regarding fair lending, full disclosure, and fiduciary responsibility.

Requested Resolution : I am seeking one of the following resolutions : A full refund of all Federal Reserve Notes provided as consideration, along with a complete accounting of all transactions related to my note. 
If XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX insist that a breach occurred, they must produce valid documentation of the original contract, proof of consideration provided to me, and full disclosure of the transaction under applicable federal laws. 
Completion of the property I contracted for, as my note and financial consideration were used to finance its construction. 
The property must be finished in full, with keys in hand and all proper documents completed to reflect me as the sole living beneficiary of all trusts and property created as a result of this transaction. 
Any attempt to withhold the property or alter its ownership structure without my explicit authorization would constitute further fraud and deception. 
If neither resolution is provided, I will take appropriate action to protect my financial and legal interests, as I do not see how their actions align with their fiduciary obligations. I look forward to their prompt response.