Consumer complaint received 2023-03-16
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Specialized Loan Servicing, ( SLS ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX Consumer Financial Protection Bureau, ( cfpb ) 1700 G St. NW Washington , DC 20552 Bankruptcy Court to Take Judicial Notice of its Record. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Virginia XXXX Case No. XXXX Applicable to All Successors and/or XXXX Re : RESCISSION OF 2nd MORTGAGE LOAN NO. XXXX Property : XXXX XXXX XXXX XXXX VA XXXX, AS A DEFENSE TO ILLEGAL FORECLOSURE SCHEDUKED FOR XX/XX/XXXX, BY THE XXXX, XXXX XXXX, XXXX Notice to the agent is notice to the principal and notice to the principal is notice to the agent. 
Please take notice as follows : We have not received of any correspondence from XXXX XXXX XXXX XXXX XXXX, ( XXXX ) and Specialized Loan Servicing, ( SLS ), but XXXX illegally scheduled our primary residence for illegal foreclosure for XX/XX/XXXX, at XXXX as shown below ; XXXX XXXX XXXX XXXX  added. XX/XX/XXXX XXXX. Bankruptcy Court Eastern District of Virginia must take Judicial Notice of its Dockets and cases on record and case records as shown below : - Please note that the above referenced loan was rescinded, and SLS, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX status was reduced from secured to unsecured and was discharged in Bankruptcy Cases as unsecured in XXXX  XXXX bankruptcy because at the time of filing the property was under water, listed price of house at that time was {$370000.00} ( Schedule A Real Property XXXX. XXXX XXXX. XXXX ), no one objected, listed unsecured. 
In XXXX husband case No. XXXX, the XXXX XXXX offered to settle for 35 % of {$100000.00}, The husbands attorney listed remaining {$69000.00} of {$100000.00} as unsecured ( Schedule D XXXX Case No. XXXX ), notified XXXX XXXX & XXXX, no one objected, debtors husband was granted discharge, XXXX XXXX and XXXX never objected discharge. 
Specialized Loan Servicing, ( SLS ) falsifying and misleading, committing bankruptcy discharge  violation, because Debts were discharged [ no one objected discharged ] in Bankruptcy and there was permanent injunction of XXXX, which forever prevents SLS, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX nonexistent/in active entity ] et al and their agents from collecting a discharged debt. 
Debtor and her husband disputed this debt with SLS, and XXXX and asked for verification and validation of the alleged debt repeatedly, from SLS via Certified Return Requested Mail Number XXXX and Certified Return Requested Mail Number XXXX dated XX/XX/XXXX, received by SLS and XXXX on XX/XX/XXXX, and on XX/XX/XXXX. In a letter dated XX/XX/XXXX, SLS informed and stated. 
The XXXX reference mortgage account was discharged from the XXXX  XXXX Bankruptcy, therefore there is no longer a debt for us to validate. 
Please see Bankruptcy Cases, XXXX XXXX XXXX of XXXX ; XXXX XXXX. XXXX XXXX pgs. XXXX, XXXX and XXXX ; and case XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX and XXXX. SLS and its agents are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents SLS, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX al and their agents from collecting a discharged debt. 
We are asking the Bankruptcy Court to act for these violations against SLS, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and all others involved in this civil theft. 

XXXX. NO NOTICE OF DEFAULT ISSUED OR SENT We have not received of any correspondence from XXXX XXXX XXXX XXXX XXXX, ( XXXX ) and Specialized Loan Servicing, ( SLS ), but XXXX illegally scheduled our primary residence for illegal foreclosure for XX/XX/XXXX, at XXXX There is no default, and you are forever barred to collect on a discharged loan. You are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents SLS, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX al and XXXX from collecting a discharged debt. 
For your information we disputed this debt with SLS, and XXXX and asked for verification and validation of the alleged debt, for SLS via Certified Return Requested Mail Number XXXX and Certified Return Requested Mail Number XXXX dated XX/XX/XXXX, received by SLS and XXXX on XX/XX/XXXX, and on XX/XX/XXXX. In a letter dated XX/XX/XXXX, SLS informed and stated. 
The XXXX reference mortgage account was discharged from the XXXX  XXXX Bankruptcy, therefore there is no longer a debt for us to validate. 
SLS Letter dated XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we did ask again verification and validation of debt, which was not done as of today. Again, repeatedly we asked again but no response in connection with the verification and validation of the debt was received. 
XXXX. XXXX has listed our property for illegal foreclosure scheduled for XX/XX/XXXX, without any default notice, without verification and validation of debt. 
XXXX has listed our property for illegal foreclosure scheduled for XX/XX/XXXX, without any default notice, without verification and validation of debt. XXXX is advised also to see Bankruptcy Cases, XXXX XXXX XXXX of XXXX ; XXXX XXXX. XXXX XXXX pgs. XXXX, XXXX and XXXX ; and case XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX and XXXX. XXXX and SLS are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents SLS, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX al and XXXX from collecting a discharged debt. 
a ) The paperwork used in our case by XXXX, and its alter ego XXXX XXXX, XXXX, ( XXXX ) is fabricated, forged or irrelevant to ownership, authority or even balances. 

b ) XXXX  and its predecessor law firm, XXXX XXXX XXXX XXXX XXXX had a pattern and practice of creating questionable documents. In fact, upon information and belief, when questioned and investigated regarding such and other irregular and fraudulent documents, XXXX changed its name from XXXX XXXX XXXX XXXX XXXX to its present name XXXX XXXX XXXX XXXX. 
c ) SLS, XXXX and its alter ego have engaged in a pattern of conduct that involves fabrication of documents, fraud, forgery, robo-signing etc., that the pattern of conduct exists, and that pattern of conduct has a nexus ( connection ) to the case at bar. 
d ) XXXX  prepared documents from XXXX CALIFORNIA, where XXXX does not exist to be included in false filings to commit civil theft. 
XXXX ) XXXX and XXXX et al the attorneys of XXXX authorized non-lawyer members of XXXX Laws staff to sign their name on the documents, including affidavits. 
f ) XXXX and XXXX XXXX al instructed the staff members ( who were also notaries public ) to notarize the affidavits, even though he had not signed them. 
g ) As to the nature of the ethical duty violated, by robo-signing a large number of documentsincluding falsely notarized affidavitsin foreclosure filings, XXXX  attorneys : ( XXXX ) made false statements of fact to tribunals ; ( XXXX ) instructed non-lawyer members of XXXX Laws staff to engage in conduct that was incompatible with XXXX  attorneys professional obligations ; and ( XXXX ) engaged in conduct that negatively impacted the efficacy of the courts and the publics perception of the legal profession. 
h ) XXXX  attorney et al ( XXXX ) showed a pattern of misconduct by authorizing signatures in at least XXXX foreclosure actions over the course of XXXX months ; and ( XXXX ) committed multiple offenses ( at least more than XXXX of them ). 
i ) On XX/XX/XXXX, the hearing judge filed, an opinion including findings of fact and concluding that XXXX  and XXXX  alter egos owner XXXX XXXX XXXX violated XXXX XXXX ( a ) ( XXXX ) ( Making or Failing to Correct a False Statement to a Tribunal ), XXXX ( a ) ( Responsibilities Regarding Non-Lawyer Assistants ), XXXX ( a ) ( violated the Maryland XXXX ' Rules of Professional Conduct - ( Violating XXXX ), and XXXX ( d ) ( Conduct Prejudicial to the XXXX XXXX XXXX ). 
j ) The false notice of default, and illegal scheduling for our property for XX/XX/XXXX in XXXX  Laws filings in our case were : ( XXXX ) falsely issued from California, where XXXX does not exist ; ( XXXX ) not signed by XXXX XXXX XXXX, XXXX XXXX XXXX and others, ( XXXX ) owned and represented XXXX  ; ( XXXX ) failed to seek aid and direction from the court when requested by us. 
XXXX ) We aver that XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ego and their owners including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX et al, violated Virginia Lawyers ' Rules of Professional Conduct in our case. 
l ) Upon information and belief, XXXX XXXX XXXX, XXXX XXXX and XXXX, attorneys, and principals of XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ego Equity. XXXX knew or should have known that non-creditors terminated trustee XXXX XXXX, non-existent XXXX XXXX XXXX XXXX XXXX did not satisfy conditions precedent to Notice of default in our case for VOID DOT, failed to act impartially towards us due to incentives which caused XXXX  through its XXXX ego to rapidly, send false notices of default and conduct civil theft in violation of federal and state laws. 
m ) XXXX  and its created the shell entity, violated law by sending us same form letters containing language that overshadowed and contradicted disclosures required by law, threatening to act of wrongfully committing civil theft, not intended to be taken, attempting to collect debt without providing mandatory disclosure required. 
XXXX ) XXXX violated law by communicating us when it knew we were not in default and were represented. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we did mail to XXXX, SLS and XXXX XXXX Bank XXXX response to their letter dated XX/XX/XXXX, and XX/XX/XXXX via UPS XXXX XXXX XXXX below ; XXXX ) Tracking XXXX, sent to SLS XXXX by them on XX/XX/XXXX XXXX ) Tracking Number XXXX, sent to XXXX XXXX, received by them on XX/XX/XXXX, at XXXX SLS et al failed to verify and validate the debt and referred it to XXXX which is a Clear VIOLATION of FDCPA and other Federal and State Laws XXXX  and its alleged client SLS willfully violated the Bankruptcy discharge stay by, among other things, prosecuting an illegal default notice with intent to illegally commit civil theft action through the law firm/attorney XXXX  action, forcing us to move, secretly sending false Bailee letter to XXXX, failing to protect the residence from looting, refusing and, and subjecting the XXXX to a mortgage modification XXXX. Pursuant to 362 ( k ) ( 1 ), SLS and XXXX are liable for all damages incurred between the initial violation of the bankruptcy discharge. 
XXXX ) The subject loan was rescinded within 03 years with, National City Mortgage a division of XXXX XXXX XXXX  XXXX Indiana, ( XXXX XXXX XXXX  ), XXXX XXXX XXXX, ( XXXX ), the prior servicer and XXXX and later as a defense to foreclosure., XXXX XXXX XXXX  XXXX SLS and XXXX intentionally ignored our rescission notice and failed to act within 20 days window and by operation of law rescission was self-imposed and their status was reduced from secured to unsecured creditors. 
XXXX ) The subject loan was unsecured and listed as in Bankruptcy cases and was discharged. SLS XXXX of XX/XX/XXXX, XX/XX/XXXX, and XXXX letter dated XX/XX/XXXX, and scheduling of illegal foreclosure for XX/XX/XXXX are in violation of Rescission, Bankruptcy Discharge, and Bankruptcy laws. 
XXXX ) XXXX, XXXX and SLSs failure to perform as requested showed bad faith and established the fact that XXXX, XXXX, XXXX XXXX XXXX XXXX and SLS XXXX XXXX abusive, deceptive, false, and unfair collection tactics against us as a consumer. Furthermore, since XXXX, XXXX, XXXX XXXX XXXX XXXX and SLS remained silent to our request or were unable to verify and validate the debt as above, the legal concepts of estoppel by acquiescence and tacit admission came into play whereby the alleged debt was admitted invalid, a nullity, and unenforceable, and thereby repudiated in its entirety ab XXXX XXXX 
XXXX. We hereby object and dispute the alleged debt because this is the violation of the rescission and XXXX  XXXX Bankruptcy Discharges, and you and your alleged client can not add any fee and or amount to that, discharged debt. 
XXXX must ask its alleged client to provide the following accounting ledgers. 
XXXX ) Servicers REMITTANCE LEDGER, since inception. 
XXXX ) XXXX XXXX XXXX XXXX, since inception. 
XXXX ) Trustees REMITTANCE LEDGER, since inception. 
XXXX ) Distribution Report amount received through and entered in above ledgers. 
XXXX ) XXXX, Cash Flow Statement : Please provide us with, XXXX, Cash Flow Statement. We have an asset that you are holding of ours that you failed to give credit to us, where the alleged creditor has made a mistake, is that they are likely carrying our asset on liability ledger of balance from your accounts receivable. 
XXXX ) We have already requested to you and your predecessors and are requesting again from you, your alter ego, to go and check the record, asset side ( receivable side ) and liability side ( accounts pay able ) of the accounting ledger. 
XXXX ) On the corporate liability off balance sheet ledgers, there has been a setoff deposited there and while comparing both sets of books, you will see there is a setoff, which is a claim under civil rule XXXX, which we have timely invoked and are invoking again for the record for future use. 
XXXX ) We signed the promissory note under UCC Article 3 and after securitization it comes under the Article XXXX and you, and your alleged client have failed to record a debt to us on their liability side of the ledger. 
XXXX ) Your client being the alleged creditor, have waived their status as a creditor when they accepted our tender of payment under UCC 3-409 ( a ) & ( b ) and UCC 3-604 ( a ). 
XXXX ) You and your alleged client did not adjust their accounting ledger to reflect settlement and closure of the accounts receivable side of the accounting ledger. All you and your alleged client have done is to keep the ledger separate and commit fraud upon fraud, in committing this civil theft. 
XXXX ) We also request you SLS, your alter ego XXXX, XXXX its owners, servants, employees, and agents to go and see both accounts receivable and accounts payable and to do a setoff under XXXX XXXX as the debt is extinguished from the books when we tendered the promissory note to you. Under Article 9 in commercial law everything becomes the cash proceeds. 
XXXX ) We also request you to produce XXXX registration statement which will indicate that your alleged clients have sold the note and that is a transfer and your alleged client and or its agents are not the real party in interest. 
XXXX ) The balance sheet, a XXXX, XXXX, and XXXX, have XXXX numbers on them which will tell you that Factious entity including XXXX XXXX XXXX, XXXX, XXXX, have sold the note. ( These balance sheets are subject to disclosure under the privacy act, Title 5 USC 552 ( b ) ( 4 ).

XXXX ) Your alleged clients are required to file balance sheets, under USC 248 and 347 with the Federal Reserve XXXX. The balance sheets show the assets and liability that you have use in accounting. The liability would be the promissory note. It is liability because it is an asset to us. 
XXXX ) We have decided why to carry the payables on the books if it has been abandoned. Why not write them off and sell them for more cash. Your alleged client and its agents are calling it an offset accounting, but in UCC it is called a recoupment. 
XXXX ) We hereby do a defense in recoupment under UCC 3-305 and claim under 3-306. 
XXXX ) We have a possessory and property claim against the cash proceeds under the liability side of the ledger. 
XXXX ) As per UCC 3-306, there can not be a holder in due course on the promissory note after your client has deposited it. 
XXXX ) Your clients are doing an off-balance sheet entry. This means that your clients have taken our note after they sold it, instead of showing it on balance sheet they have moved over to some other entities balance sheet. It is no longer on the banks books, and this is called off balance sheet bookkeeping. 
XXXX ) You and your client are not showing the liability side of the ledger or the accounts payable because it has been moved over to someone elses balance sheet. 
XXXX ) Now we are bringing in recoupment on behalf of the real party of interest which are us because we are the real creditor against the liability side of the account. 

XXXX. Abusive/Deceptive/Unfair and Deceptive Practices Neither CLS nor the SLS, ( Servicers XXXX did not comply with all federal and state requirements in connection with the servicing as stated above in paragraphs XXXX above ; they violated rescission laws and Bankruptcy Discharge and repeatedly sent us notices/letters in violation of FDCPA when Deed of Trust, ( DOT XXXX ) was VOID due to rescission. They were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs.We have correctly requested to Consumer Financial Protection Bureau, ( Cfpb ) and requested to take action against, them, for this fraudulent debt, in violation of 15U.S.C. 1692e ( 2 ) ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation of 1692e ( 5 ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ). 
Under Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and SLS and its XXXX XXXX are legally required to refrain from committing, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX and SLS and it alter egos UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace. XXXX XXXX XXXX, XXXX, XXXX, XXXX and SLS and its XXXX ego under Dodd-Frank Act involved in collecting debt related to any consumer financial product or service are subject to prohibition against XXXX in the Dodd-Frank Act. See Dodd-Frank Act, 1002, 1031 & 1036 ( a ), codified at 12 U.S.C. 5481, 5531 & 5536 ( a ). It is prohibited for any person, to provide substantial assistance knowingly or recklessly to a covered person, XXXX XXXX XXXX, XXXX, XXXX, XXXX and SLS and its XXXX ego or service provider in violating section 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ). 
XXXX. Failure to Response/Acquiescence/Admission Please note that in the past we sent to your office and others our, NOTICE OF RESCISSION AS DEFENCE TO FPRECLOSURE PURSUANT TO 11. U.S.C 1635 ( i ) ( 2 ) and the XXXX XXXX XXXX, XXXX, XXXX, XXXX and SLS and its XXXX ego without reading it, acknowledged our Rescission Notice and failed to act required within 20 days as required by the Statue and rescission is self-imposed by operation of law. 
Your abusive, deceptive, and unfair debt collection practices by debt collectors ; we have already sent Dispute letter to other actors in this fraud and have not heard any response from them. Your failure to perform as herein requested have shown bad faith and established the fact that you are using abusive, deceptive, false, and unfair collection tactics against us as a consumer. The actual XXXX XXXX representing the WHOLE accounting for every XXXX that went in and every XXXX that went out that related to each loan or was attributable to each loan for which there is no accounting in existence because if it existed it would need to be produced and if it was produced it would be discovered that two things are true. 

( a ) that the balance owed on the obligation of the homeowner had been paid down by resort to undisclosed funds created from the transaction between the borrower and the investor-lenders and ( b ) that far more money went into the system than went out, leaving the intermediaries richer and the investor-lenders and homeowners poorer. 

Accordingly, we hereby rescinded said Mortgage Loan as a full and complete defense to your any illegal intent to illegally foreclose based on a VOID Instrument ( DOT ) on our promissory residence pursuant to 11 U.S.C 1635 ( i ) ( 2 ), when we are not in default. Through the Qualified Written Request, ( XXXX ) and other Dispute, and Cease and Desist letters/Notices, we have requested accountings, ledgers and other information were not provided by the XXXX XXXX XXXX  XXXX XXXX, XXXX and SLS. See XXXX XXXX para XXXX. 
Please see also Bankruptcy Cases, XXXX XXXX XXXX of XXXX ; XXXX XXXX. XXXX XXXX pgs. XXXX, XXXX and XXXX ; and case XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX and XXXX. You are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents SLS, XXXX XXXX, and XXXX XXXX al from collecting a discharged debt. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX ( previous servicer ) and SLS ( current servicer ) did not comply with all federal and state requirements in connection with their servicing as stated above in paragraphs above. XXXX XXXX XXXX, XXXX, XXXX and SLS violated rescission laws, bankruptcy laws, bankruptcy discharge and repeatedly threatened to schedule for illegal foreclosure when Deed of Trust XXXX XXXX DOT ) was VOID due rescission. Id XXXX XXXX XXXX, XXXX, XXXX and SLS were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( XXXX ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs. 
XXXX ) The claim that we ( originator and maker ) can make is set off because XXXX XXXX XXXX, XXXX, XXXX and SLS has sold an unregistered note and can not be a holder in due course because they are taking it subject to administrative and commercial claims. They have created a mortgage purchase loan ( 16 CFR 433.1 ). This whole process is not about mortgage at all, because they have sold the note and received the funds and closed the account by assuming, they have repaid the originator ( XXXX ) on the loan. If they have already repaid the originator ( us ) on the loan, the living man who signed the note, then the whole thing is closed. 
XXXX ) We request XXXX XXXX XXXX, XXXX, XXXX and SLS to go and check both sets of books and to do the setoff as we are bringing the offsetting claim under the rules of procedure as they have waived their status as a creditor when they accepted our tender of payment under UCC 3-409 ( a ) & ( b ) and UCC 3-604 ( a ) and failed to adjust their accounting ledger to reflect settlement and closure of the accounts receivable side of the ledger. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and SLS are not applying the correct accounting entries under GAAP and XXXX and not giving the claim to us, as we have the processionary right in the instrument and its proceeds under section 3-306 of the UCC. 
XXXX ) If XXXX XXXX XXXX, XXXX, XXXX and SLS, and their agents have valid authority from the creditor to proceed in this matter, please note that the subject loan has been rescinded, under TILA within three years and as a defense to foreclosure and alleged creditors status has been reduced from secured to unsecured creditor and discharged in XXXX  XXXX bankruptcy. 
XXXX ) Since you or your alleged creditor failed to dispute the rescission or take the requisite next steps within 20 days and rescission is self-imposed and you and your alleged creditor is in violation of TILA again. 
XXXX ) Upon serving the notice of rescission, the TILA statute and Regulation Z states that by operation of the law, the security interest automatically becomes void, and the debtor is relieved of any obligation to pay any finance or other charge ( XXXX XXXX. XXXX ( b ), XXXX. Z XXXX ( d ) ( XXXX ), XXXX ( d ) ( XXXX ) ). 
XXXX ) Our Notice of Rescission has reduced XXXX XXXX XXXX, XXXX, XXXX and SLS and other alleged creditors, as unsecured creditors. The facts and circumstances that we filed a copy of the notice of rescission as a defense to foreclosure. Thus, since the security interest is automatically voided per TILA and Regulation Z upon rescission, the mortgage note is no longer secured, classified as unsecured and discharge in bankruptcy. 
XXXX ) In addition, please provide a complete and itemized transaction history of the subject loan [ discharge in bankruptcy ] that we are entitled to under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

XXXX ) We dispute that we are in default since there seems to be irregularities in how payments have been applied as well as escalated fees and charges, when the loan is performing and is in the trust per your statements. 
XXXX ) We are unable to resolve the dispute as to the balance claimed due without the life of bankruptcy discharge loan history and an explanation of how any late fees or other administrative fees have been assessed and applied. 
YOU ARE HEREBY ON NOTICE THAT XXXX XXXX XXXX AND XXXX XXXX XXXX ARE DISPUTING THIS ALLEGED DEBT, WHICH WAS DISCHARGED IN OUR XXXX  XXXX BANKRUPTCY, AND XXXX XXXX XXXX, XXXX, XXXX and SLS, XXXX XXXX XXXX XXXX XXXX XXXX Entity ] AND ITS XXXX EGO ARE IN VIOLATION OF BANKRUPTCY DISCHARGE THROUGH SLS. 

A. PLEASE CEASE & DESIST YOUR ILLEGAL COLLECTION ACTIVITIES AND ANY INTENT TO TAKE ANY ILLEGAL ACTION INCLUDING WRONGFUL AND ILLEGAL FORECLOSURE ACTION BASED ON A VOID INSTRUMENT, DISCHARGE LOAN, AND REFRAIN FROM ILLEGAL ATTEMPTS TO COLLECT ON A RESCINDED AND DISCHARGED LOAN PURSUANT TO BANKRUPTCY RULES AND TILA AND AS A DEFENSE TO FORECLOSURE, REPEATEDLY RECEIVED BY XXXX XXXX XXXX, XXXX, XXXX and SLS, XXXX XXXX XXXX XXXX XXXX XXXX Entity ] AND ITS PREDECESSORS, THEIR AGENTS, SERVENTS AND EMPLOYEES. 
B. IN ADDITION, WE ARE DISPUTING THE DEBT ALLEGEDLY OWED TO YOUR ALLEGED OWNER BECAUSE YOU, ARE JUST THE SERVICERS AGENT AND WHEN THE LOAN IS SECURITIZED AND IS IN XXXX TRUST, WE ARE NOT DEALING WITH ANY LENDER/CREDITOR, BECAUSE XXXX TRUSTS XXXX NOT HAVE LENDERS/CREDITORS, AS FALSELY STATED BY YOU IN YOUR LETTER CITED ABOVE. 
XXXX WE ARE REQUESTING PROOF OF OWNERSHIP AND/OR ENTITLEMENT RIGHT, WITH ALL REQUEST MADE ABOVE IN EACH PARA ABOVE. 
XXXX PLEASE REMOVED THE VOID DEED OF TRUST FROM THE LANDS RECORD XXXX Please see also Bankruptcy Cases, XXXX XXXX XXXX of XXXX ; Case No. XXXX XXXX pgs. XXXX, XXXX and XXXX ; and case XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX and XXXX. You are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents, XXXX XXXX XXXX XXXX XXXX, SLS, XXXX XXXX, XXXX XXXX XXXX XXXX an inactive entity since XXXX ] and XXXX XXXX al from collecting a discharged debt. 
XXXX Through our letter dated XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we did ask your client SLS to verify and validate the debt, and as of today your client have failed to verify and validate the debt. 
XXXX Pursuant to FDCPA the window to verify and or validate the debt has been shut upon SLS. XXXX and other players in this civil theft. 
H. We will be filing a Civil Action against XXXX XXXX SLS for scheduling our primary residence for illegal, foreclosure for XX/XX/XXXX without verification/validation of debt which was discharge in XXXX  XXXX bankruptcies and there is a permanent injunction because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents SLS, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX al and XXXX XXXX XXXX a discharged debt. 

Signed with reservation of all rights, Respectfully yours _________________ ___________________ XXXX XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation