XXXX XXXX XXXX XXXX, Assistant Vice-President, Customer Service @ Freedom Mortgage Corporation XXXX Dear XXXX XXXX : ___________________________________________________________________________________________________________ I submitted a grievance with CFPB Ticket # XXXX with a nicely formatted letter dated XXXX/XXXX/XXXX. Here is the format that I desire from Freedom in the Debt Validation, if you do n't mind : XXXX Starting Figure : {$120000.00}, Current Loan Balance ________________________________________________________________________________________________________________ Changes : __________________________________________________________________________________________________________________ ___Additions, By Sub-Category -- Late Fees, other loan costs, etc. ___________________________________________________________________________________________________________________ ___Subtractions, By Sub-Category -- Principal Reduction on arrearages, etc. XXXX Totaling To End Figure : {$130000.00} XXXX The numbers must exactly reconcile. If they do n't, there 's something wrong. I 'm sorry, sir, that I have to present things through the CFPB, but this is the first time I have ever seen a signature by Freedom on any correspondence, and it 's a welcomed change. Also, you accidentally sent me someone else 's payoff schedule. __________________________________________________________________________________________________________ Additionally, there must be something that we as consumers must be able to determine as to what our debt figure is, and I believe this number to be the mortgage balance. Otherwise, you could report anything you want with impunity. If the mortgage balance is {$200000.00}, and you report to XXXX that it is {$280000.00}, and you justify this, then I am in a deficit as far as being able to contest this. XXXX There is an enormous undue influence in this scenario in which I find myself because you have the power to foreclose. I hope you understand this. In my loan, I am {$85000.00} ahead of schedule with the investor XXXX XXXX over a regular payment schedule, because when I was working a XXXX job and had my father drawing his retirement income -- as you see in my correspondences of which I included my spreadsheet in comparison between my paydown of the mortgage and the set schedule, I paid down the mortgage by > {$90000.00} in the first five years. If I paid a regular schedule, the mortgage would still be > {$200000.00}. ______________________________________________________________________________________________________________ I will fight this foreclosure with every ounce of my being because I need this house because of health maladies. ________________________________________________________________________________________________________________ I also believe that Freedom is not telling the truth as to how it arrived at the {$130000.00} figure. I intend to report XXXX XXXX XXXX to the state bar association in California and Nevada where I believe its main office is located. It is a rogue concern. I believe they went fishing for Freedom 's involvement off of a letter I sent to my HOA, with almost the exact figure as listed as amount of debt. XXXX Thank you nonetheless for you prompt reply.