***CONSPIRACY TO DEFRAUD U.S. GOVERNMENT/CONSUMERS ... XXXX XXXXCREDENCE FUNDING*** ***A NOTE FOR THE CFPB PLEASE SEE  EXHIBIT X IN THIS FILING XXXX XXXX HAS REPEATEDLY XXXX TO YOU ABOUT BEING AN UNAUTHORIZED 3RD PARTY*** CASE SUMMARY IN XX/XX/XXXX XXXX AND XXXX XXXX WERE VICTIMS OF A CONSPIRACY TO COMMIT PREDATORY LENDING AND NUMEROUS INTENTIONAL ACTS TO DEFRAUD SENIOR CITIZENS IN FLORIDA. THIS WAS NO ACCIDENT. IT WAS SYSTEMIC, DOCUMENTED AND PROVEN AS YOU WILL SEE. ***WE BEGIN WITH THE LOAN ORIGINATION FRAUD, WE HAVE LOAN FRAUD ON ALL DOCS AND ALL DISCLOSURES IN VIOLATION OF FLORIDA CONSUMER LAW. THE ENTIRE SALES PITCH IS MAIL FRAUD ( EXHIBIT K ) AND THE ENTIRE TRANSACTION VIOLATES THE TRUTH IN LENDING ACT, IF A LOAN IS NOT PROPERLY DISCLOSED ( SEE EXHIBIT C, D, G, I ), IT MUST BE CORRECTED WITHIN 30 DAYS AND SIGNED BY ALL PARTIES. THIS WAS NEVER DONE ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ALL CONFIRMED THE FRAUD BUT REFUSED TO COMPLY WITH STATE AND FEDERAL LAWS. *** IF ANY OF THIS WAS AN ACCIDENT IT WOULD HAVE BEEN CORRECTED AND APOLOGIES WOULD HAVE BEEN OFFERED IN ADDITION TO A CANCELLED LOAN AND A FREE AND CLEAR TITLE ... JUST THE OPPOSITE HAPPENED. THE PAYMENT FOR THIS ELDERLY COUPLE DOUBLED SEVERAL TIMES AS A DIRECT RESULT OF LOAN FRAUD. THEY STOLE {$1500.00} FROM THE ESCROW ACCOUNT WITHOUT AUTHORIZATION ( SEE EXHIBIT D ), THEY ALSO PRETENDED TO CORRECT THE LOAN BUT FORECLOSED ON THE ELDERLY COUPLE. THEY ARE STILL TRYING TO COLLECT ATTORNEY AND SERVICE FEES FOR THE FORECLOSURE BUT THEY COMMIT MAIL FRAUD ONCE AGAIN BY LISTING THEM AS LATE FEES BILLED ON ONE DAY BUT THEY ARE CLEARLY LABELED " LEGAL FEES '' UNDER LENDER PAID EXPENSES ON THE SAME STATEMENT ( EXHIBIT V ) TO COLLECT THESE ILLEGAL FEES THEY USED WIRE FRAUD AND COLLECTED PRINCIPAL WITHOUT PROPER CREDIT 3 DIFFERENT TIMES. THIS ELDERLY COUPLE MADE 3 HOUSE PAYMENTS AT ONCE, CONFIRMED ON THE PHONE WITH XXXX XXXX AT CORPORATE OFFICE ... AND THEY WERE STOLEN 3 DIFFERENT TIMES. REQUESTS FOR COPIES OF THE PHONE CALLS WERE DENIED, THEY SAID WE HAD TO SUBPEONA THEM, BUT WE STILL HAVE WRITTEN PROOF SEE EXHIBIT P. CREDENCE FUNDING CORPORATION CLAIMS TO HAVE DONE THE LOAN CORRECTLY BUT THEIR DOCUMENTS ALSO SHOW THE MISSING INSURANCE AT LOAN DISCLOSURE ( SEE EXHIBIT J ). WIND INSURANCE WAS LEFT OFF THE LOAN BUT THEY CLEARLY HAVE A COPY, SEE EXHIBIT W ... THE SENIOR CITIZENS PAID CREDENCE FUNDING AND XXXX XXXX THOUSANDS OF DOLLARS TO GET RIPPED OFF BY THIS GROUP COLLECTIVELY. THEY FINISH THE SCAM BY COLLECTING THE PRIMARY MORTGAGE INSURANCE AND SELLING THE HOME THEY ILLEGALLY FORECLOSED ON. XXXX 'S XXXX XXXX IS CURRENTLY ENGAGED IN WIRE FRAUD FOR XXXX XXXX. HE IS A XXXX EMPLOYEE CLAIMING TO BE A VICE PRESIDENT WITH XXXX. XXXX HAS AN F RATING WITH THE XXXX XXXX XXXX AND OVER 20,000 CFPB COMPLAINTS. ATTACHMENTS ... EXHIBITS ARE IN PDF FORM AND LISTED BY NAME ... EXHIBIT/PDF A/B ... ILLEGAL FORECLOSURE ... EXHIBIT C, TURTH IN LENDING ACT VIOLATION ... EXHIBIT D,,, XXXX CONFIRMING ALL ILLEGAL ACTS BUT REFUSING TO COMPLY WITH VICTIM 'S RIGHT TO IMMEDIATE LOAN CANCELLATION, SIGNED BY XXXX XXXX ... EXHIBIT ... VIOLATION OF CONSURE LAW/TRUTH IN LENDING ACT ... EXHIBIT F, VICTIMS ... EXHIBIT G, TRUTH IN LENDING ACT VIOLATION.. EXHIBIT H, CONTACT INFO FOR UNRESPONSIVE TITLE CO ... EXHIBIT I, TRUTH IN LENDING ACT VIOLATION ... EXHIBIT J, CREDENCE FUNDING GOOD FAITH ESTIMATE FRAUD/TRUTH IN LENDING ACT VIOLATION ... EXHIBIT K, MAIL FRAUD, CREDENCE ... EXHIBIT L, TRUTH IN LENDING ACT VIOLATION CREDENCE FUNDING ... EXHIBIT M, NATIONSTAR CONFIRMING THE CONSUMERS WERE VICTIMS OF PREDATORY LENDING AND FRAUD BUT REFUSING TO COMPLY..EXHIBIT N ... TRUTH IN LENDING VIOLATION CREDENCE ... EXHIBIT O, XX/XX/XXXX, XXXX CONFIRMS CRIMES BUT REFUSES TO COMPLY AND CONTINUES TO COLLECT ILLEGALLY ... EXHIBIT P, VICTIMS MADE 3 PAYMENTS BUT ONE WAS STOLEN TO PAY FOR LEGAL FEES THAT WERE ILLEGALLY ADDED ... FEES WERE ADDED LONG AGO WHEN THEY ALSO COMMITTED ANOTHER WIRE FRAUD, LYING TO CONSUMER ABOUT COMPLYING WITH RIGHT TO LOAN CSNCELLATION BUT SIMULTANEOUSLY FORECLOSING WITHOUT NOTICE.,, EXHIBIT Q, CREDENCE PARTICIPATING IN FINAL LOAN FRAUD ... EXHIBIT R, FRAUDUKENT GOOD FAITH ESTIMATE FROM CREDENCE ... EXHIBIT S, CREDENCEFRAUD ... EXHIBIT T, CREDENCE FRAUD EXHIBIT U, CREDENCE GOOD FAITH ESTIMATE FRAUD ... EXHIBIT V ... XXXX COLLECTING LEGAL FEES BUT ILLEGALLY BILLING THEM AS LATE FEES ... EXHIBIT W, WIND INSURANCE COPY ... THEY CLAIM THEY NEVER HAD IT .... THIS WAS THEIR COPY ... EXHIBIT X, FRAUDLENT HUD 1 AND FRAUDULENT FHA LOAN APPLICATION, TRUTH IN LENDING ACT VIOLATION.. XXXX XXXX   ... EXHIBIT Y, REFUSAL TO COMPLY, CONSPIRACY TO DEFRAUD CONSUMER/FHA/U.S. GOV,  XXXX XXXX ... EXHIBIT Z ... PROOF XXXX   HAS BEEN FULLY AWARE OF THIS FRAUD SINCE XXXX XXXX PROOF OF XXXX XXXX STEALING ESCROW AND ILLEGALLY DOUBLING THE HOUSE PAYMENT