Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I informed by a Complaint XXXX CFPB I had discovered in XX/XX/XXXX and XX/XX/XXXX that of FORGED NOTE that my Signature was being used for FORGED NOTE that changed the principal amount. 

I brought to the ATTN of XXXX XXXX of IDENTITY THEFT around XX/XX/XXXX. 
I spent hours to discuss and was informed that this was invalid and it was agreed that the FORGED Loan would not have been VALID, that a page 2 signature was a crossed out Notary because that had Nothing related to that document when I signed In XXXX I requested the Application and the Proof of Recording as the Supervisor changed posture and then had same employee change her position and now the FORGED NOTE turned into a FIVE PAGE Document with a said STAMP to claim that in XXXX it was " Either Recorded '' Or that sometime during XX/XX/XXXX and XX/XX/XXXX it was recorded in the COUNTY OF XXXX  per XXXX XXXX. They stated otherwise they would not have had it in their system. However, There is NO EVIDENCE of any such " Recorded '' LOAN in the County RECORDERS. 
On XX/XX/XXXX the Response came from which informed me to FILE A POLICE REPORT AFFIDAVIT which I have SENT to their ATTORNEY FIRM XXXX XXXX and to the Second ATTORNEY FIRM that is related to a pending Appeal in the District Court/and with a Trial SCHEDULED XXXX XXXX, XXXX CASE No. XXXX. That the TRIAL includes the issues of a Permanent Injunction ; as I had a Discharge in XXXX, that included any and all debts owed at that time. I had not known of the FORGERY at that time as I also never knew of any INTERNAL LOAN MOD. as now identified. 

Secondly, the Answer to the CFPB is a Misrepresentation of the Rule of law in California. 
The Statute provides that a Lien is governed by Contract/and by Statute Civil Code XXXX, and that upon the Statute of Limitations to enforce the debt obligation the Lien becomes unenforceable to enforce the power of sale by any means including foreclosure. 
That XXXX XXXX Employees and AGENTS, have been misquoting the Law. They are OMITTING the Language of Civil Code XXXX ( a ) XXXX ( a ) ( XXXX ) XXXX ( a ) ( 2 ) and ( 3 ) and placing and inserting words created by their making of the law. That the Rule of law does not state what they said. 

That XXXX XXXX received the FULL FILE from XXXX  who was provided the File Documents from XXXX XXXX XXXXXXXX XXXX Servicer XXXX XXXX XXXX XXXX  that took over XXXX XXXX XXXX XXXX as who was my LENDER and my Servicer and Agent directly ; XXXX XXXX XXXXXXXX has provided PROOF that all documents were Sent to next Servicer and those included the " ACCELERATED '' NOTE/s and also included the DEMAND letters ; and the knowledge and that of the ONE PAGE ADDENDUM was never a NEW LOAN that no Extensions were recorded and the Demands remained from XXXX. That as a result my NAME IS BEING USED to Revive DEBTS that I do not have any obligation and also that I never agreed or borrowed or owed. Attached is my AFFIDAVIT ; of the Forgery- I reached out and was given a run around that first I am not assigned to any one person then I was told later yes but that they are not involved in my file - XXXX XXXX has assigned a person but they are " ON VACATION '' until XX/XX/XXXX and yet a SALE DATE Threatened to TAKE ILLEGAL ACTS of Foreclosure when the LIEN is not enforceable and there is NO DEBT that is legally due owed or enforceable either. That the harassment has not ceased. XXXX XXXX had tried to hire other firms prior to Attempt to enter COUNTY RECORDERS with fraudulent XXXX  Access sharing terminated names of entities to which then used those NAMES including that of XXXX as lender/Creditor and later used XXXX as lender/when they said they were never my lender and also used WOLF FIRM for Extortion of the same act of a Sub of Trustee of the DEED OF TRUST, when XXXX was the Trustee who stated in XXXX that they would not foreclose. That I am stuck in a NIGHTMARE my NAME IS TRADED. SHARED and used for ILLEGAL Purposes and that include to Take My Property by Threats including hiring same FIRMS from a CIRCLE Group of ELITE 'Sub of Trustee '' FORECLOSURE firms willing to OMIT DATES on Notice of Defaults and change to conceal Dates outdated and here again have OMITTED the language of the LAW to use my signature and create a FORGED NOTE to claim I owe a debt that was also discharged nearly 10 years ago with a DEMAND of ENTIRE BALANCE that was XX/XX/XXXX and never decelerated. The entities are well skilled DEBT Collectors using names of " trustees ' to give appearances of rights to foreclose where NO RIGHTS EXIST UNDER ANY BASIS. I have filed a POLICE REPORT for the FAKE DEBT against XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX ) and On XX/XX/XXXX filed a Police Report ATTACHED information relating to the FORGERY OF MY SIGNATURE LIFTED from another document and the FORGED NOTARY signature also LIFTED from another document. The Maturity DATE that was " ADVANCED '' was recorded and that under the actual LAW not the fake law that is being provided by the EMPLOYEES there remains NO LIEN TO ENFORCE and it is VOID. 
My PII is being used and is believed to have been XXXX  by XXXX and the Attorneys hired are AIDING and ABETTING in this Scheme to CHANGE the Default Dates and Manipulate the " DOCUMENTS '' including use of FORGED NOTES and FORGED Loan Documents to STEAL REAL PROPERTY similarly as described as ZOMBIE Mortgages and XXXX and XXXX have also AIDED to Attempt to unlawfully TAKE REAL property and violate State and Federal LAWS and also Violate the C, XXXX XXXX and XXXX I am FACING AN ILLEGAL THREAT TO TAKE MY PROPERTY ON XX/XX/XXXX. 
I HAVE A TRIAL SET FOR XXXX XXXX XXXX IN THE DISTRICT COURT ON SAME ENTITIES AND YET THEY ARE TRYING TO STEAL BEFORE THAT HEARING. 

They have hired XXXX XXXX who is using false declarations from XXXX ; and using false Recent Dates on the Notice of Default and false debt claimed owed on the Notice of Sale That I am a victim of IDENTITY THEFT and Aggravated Identity theft.

Company response to consumer: Closed with explanation