|
7874017
|
2023-11-20
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Report provided to employer without your written authorization
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Mortgage Research Center LLC has fraudulently reported and sold my personal information to Credit reporting agencies and XXXX XXXX XXXX XXXX and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2923045
|
2018-05-31
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2018-05-31
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-31
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4699755
|
2021-09-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-09-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2659450
|
2017-09-06
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4061551
|
2021-01-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2020.
I received an inquiry on my credit report that I didn't make. I reached out to the company, Veterans United and I was told I would be called back and I never heard back from anyone. I called two more times and my third time calling, my call was escalated to a supervisor. They supervisor couldn't find my name or information in their system. He asked If I was married and explained my spouse may have filled out an application and ( added ) my name to the application. After researching further, he found that to be true. My name was added to the application. However, I never authorized this company to run my credit. Adding my name to an application is permissible. However running my credit without my consent is not. I tried to resolve this matter by simply asking for a letter from Veterans United that would remove this inquiry from my credit report. However, the supervisor disregarded my request. Veterans United had no authorization or authority to run my credit without my permission or signature. After explaining all of this, they are refusing to correct this matter. I would like this inquiry removed from my XXXX and XXXX credit report immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5974071
|
2022-09-12
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with product or service terms changing
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My home was acquired from veterans home loans united and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX XXXX veteran with XXXX young children.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4300684
|
2021-04-15
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2021-04-15
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2396270
|
2017-03-21
|
Credit decision / Underwriting
|
Mortgage
|
|
| Issue |
Credit decision / Underwriting
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Mortgage
|
| Sub Product |
VA mortgage
|
| Date Received |
2017-03-21
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
8994028
|
2024-05-13
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My mortgage was bought by a debt collector XXXX XXXX, from my original mortgage company Veterans United Home Loans. I never received a letter from XXXX about them buying my mortgage, and asked them to validate the debt, to show that I actually owed the debt after they purchased it. I asked for the original copy of the promissory note in a notarized letter to both mortgage companies, and they both only sent me a copy of the promissory note, that I and my wife signed at closing on XX/XX/XXXX. I did some studying and found that banks do not loan their assets, so there was no loan. The last Promissory note according to my research, is monetized as per title XXXX1 USC 5118 ( d ) ( 2 ) ,31 USCA 463 and public Law 97-258 ( XX/XX/XXXX. And in accordance with 31 USC 5103 and USC 8, such promissory notes are national Bank currency and thereby coin or currency of the United States, by rule of law, US Supreme Court, and private BAR association statutory Bylaws legal definition. Also 12 USC 1813. These laws clearly state that the Promissory note is monetized or in a lot of cases invested to make money with risk. Giving the above laws to both Veterans United Home Loans and XXXX XXXX, and asking them to verify or validate the debt has been without results, leaving me to where I am now. My last conversation with XXXX XXXX, was with a gentleman who said yes my debt was purchased by XXXX XXXX and that I was sent paperwork to validate the debt.i explained to him that there was no loan, I never signed a check or received a bank transfer to my bank account with the money to purchase my home, so where did the money come from? He just was silent on the other end of the phone and never gave me an answer. When I wrote to Veterans United Home Loans, and to XXXX XXXX, I included all the laws to back up my claim to not receiving a loan such as : 12 USC 83, 15 USC 1601,1602,1611, 1604, and 15 USC 1635. To this day, I have not received the debt validation I asked for and did not pay my mortgage as I told them I wasn't, until the debt was validated. My wife and I are arguing because of this and I would truly appreciate your help in resolving this issue. Thank you for your time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12224203
|
2025-02-26
|
Closing on a mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
Mortgage Research Center, LLC
|
| Product |
Mortgage
|
| Sub Issue |
Changes in loan terms during or after closing
|
| Sub Product |
VA mortgage
|
| Date Received |
2025-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Client Advocate Servicing Team XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Satisfaction of Mortgage Dear Sir/Madam, I am writing to formally request a Satisfaction of Mortgage for the property located at : Property Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Details : Borrowers Name : XXXX XXXX XXXX Loan Number : XXXX Origination Date : XX/XX/XXXX On XX/XX/XXXX, at the time of signing, the mortgage associated with this property was paid in full as the loan application itself served as security collateral for the transaction. According to generally accepted accounting principles ( GAAP ) and SEC filings, financial institutions recognize loan applications as collateral assets for securitization. Additionally, XXXX XXXX, which was listed as the servicer after you transferred the note, has recorded the loan as paid in full with a balance of XXXX dollars.
Despite this, the XXXX XXXX XXXX XXXX records still reflect a lien held by XXXX XXXX XXXX XXXX To clear the lien and officially release the property title, I request that you immediately prepare and record the necessary Satisfaction of Mortgage document with the XXXX XXXX XXXX XXXX. Please provide me with a certified copy of the recorded Satisfaction of Mortgage for my records once this process is complete.
Failure to promptly process this request may result in legal action to enforce the proper release of this mortgage under applicable New York property laws and federal consumer protection laws.
If you require any additional information to process this request, please contact me at XXXX or XXXX.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
