Complaint Review: TransUnon - Experian - Equifax Nationwide

This is what I am talking about real poeple thank you

who's talking like a criminal here? Don't make threats Nick, as you did above. You now threaten me with making some unauthorized debits on my accounts (books as you say) because you don't like my response? The records from this site can be subpoenaed to identify you and the source computer you post from during a criminal investigation or to allow for you to be served for the purpose of a pending civil lawsuit. If you were a computer consultant, as I am, you would know that NO ONE is anonymous on the internet. I'm telling you my take on your report. Yes, the credit bureaus make mistakes too, but when you give them the proof they will correct it - they did for me 2 years ago. If the bureaus made a mistake and you can prove it, any decent law student can get them to change it - so can the FTC. You can hire a lawyer or complain to the FTC to get the credit reports corrected. The credit reporting system is not out to get you.

But the law is the law right well the police report investigation state that this is fraud and forged signature so what ever. your wrong and still I get to keep my home and maybe I will do your lawn some time or maybe help you out or some one close to you. It dose not paid predatory lending practices. This is a criminal act of the worst kind. We send criminals to jail for breaking and entering our homes and steeling our valuable possessions. Well, these predatory lenders and brokers are robbing us of our biggest asset. The equity in our homes. This broker is going to do some time. It the law/ You thinking like this could land you some time too. And your wrong about the Credit Bureaus they mess up too they no that to it all on paper there next. like you said right proof well I got it. Os dont talk like a criminal or if your lucky maybe I will be nice and put a $1 or $2 on your books see you

I'm a computer/electronics expert - self employed computer consultant. And guess what? I have all the necessities of conduction a legitimate business -licenses, insurance, tax ID number, bank account and credit account for my business. Do you? Or are you more in line with the many self-employed "lawn care specialists" that go around the neighborhood with a lawn mower in the back of a pickup truck cutting lawns and shrubs and accept only CASH payments? I read your letter. Here's what you wrote: "that she falsify my income $ 9,700 month and $117000. A year. I am self employ " She filled out the form, but YOU signed it. YOU are responsible for what you sign - THAT IS THE LAW. It is always PRESUMED that the undersigned has read and understands what they are signing. If you don't understand something in a contract - DON'T SIGN IT. Oh, and NEVER sign something that is not completely filled out. As a business person (or so you claim) I would expect you to know this, so I am compelled to believe you KNEW what you were signing. Therefore, I believe you are the rip-off. If you want to claim you didn't read it or that the contract had blanks when you signed it - that's up to you, but it shows you're not much of a business person. About credit monitoring service. You paid for them to "fix" your credit report? NONSENSE! you paid for monitoring and that's just what it is. YOU NEVER HAVE TO PAY THEM TO FIX SOMETHING THAT IS INCORRECT! The problem is you have to have proof that something is incorrect - something you claim to have but I find less and less likely. I was the victim of identify theft almost 2 years ago. I sent certified letters to the credit bureaus with supporting documents and they cleared everything up nicely in less than 4 weeks. Your report is about the credit bureaus refusing to change your credit report based on your heresay. You provide the proof something is wrong and they will correct it, but again, you have to have proof.

I'm a computer/electronics expert - self employed computer consultant. And guess what? I have all the necessities of conduction a legitimate business -licenses, insurance, tax ID number, bank account and credit account for my business. Do you? Or are you more in line with the many self-employed "lawn care specialists" that go around the neighborhood with a lawn mower in the back of a pickup truck cutting lawns and shrubs and accept only CASH payments? I read your letter. Here's what you wrote: "that she falsify my income $ 9,700 month and $117000. A year. I am self employ " She filled out the form, but YOU signed it. YOU are responsible for what you sign - THAT IS THE LAW. It is always PRESUMED that the undersigned has read and understands what they are signing. If you don't understand something in a contract - DON'T SIGN IT. Oh, and NEVER sign something that is not completely filled out. As a business person (or so you claim) I would expect you to know this, so I am compelled to believe you KNEW what you were signing. Therefore, I believe you are the rip-off. If you want to claim you didn't read it or that the contract had blanks when you signed it - that's up to you, but it shows you're not much of a business person. About credit monitoring service. You paid for them to "fix" your credit report? NONSENSE! you paid for monitoring and that's just what it is. YOU NEVER HAVE TO PAY THEM TO FIX SOMETHING THAT IS INCORRECT! The problem is you have to have proof that something is incorrect - something you claim to have but I find less and less likely. I was the victim of identify theft almost 2 years ago. I sent certified letters to the credit bureaus with supporting documents and they cleared everything up nicely in less than 4 weeks. Your report is about the credit bureaus refusing to change your credit report based on your heresay. You provide the proof something is wrong and they will correct it, but again, you have to have proof.

I'm a computer/electronics expert - self employed computer consultant. And guess what? I have all the necessities of conduction a legitimate business -licenses, insurance, tax ID number, bank account and credit account for my business. Do you? Or are you more in line with the many self-employed "lawn care specialists" that go around the neighborhood with a lawn mower in the back of a pickup truck cutting lawns and shrubs and accept only CASH payments? I read your letter. Here's what you wrote: "that she falsify my income $ 9,700 month and $117000. A year. I am self employ " She filled out the form, but YOU signed it. YOU are responsible for what you sign - THAT IS THE LAW. It is always PRESUMED that the undersigned has read and understands what they are signing. If you don't understand something in a contract - DON'T SIGN IT. Oh, and NEVER sign something that is not completely filled out. As a business person (or so you claim) I would expect you to know this, so I am compelled to believe you KNEW what you were signing. Therefore, I believe you are the rip-off. If you want to claim you didn't read it or that the contract had blanks when you signed it - that's up to you, but it shows you're not much of a business person. About credit monitoring service. You paid for them to "fix" your credit report? NONSENSE! you paid for monitoring and that's just what it is. YOU NEVER HAVE TO PAY THEM TO FIX SOMETHING THAT IS INCORRECT! The problem is you have to have proof that something is incorrect - something you claim to have but I find less and less likely. I was the victim of identify theft almost 2 years ago. I sent certified letters to the credit bureaus with supporting documents and they cleared everything up nicely in less than 4 weeks. Your report is about the credit bureaus refusing to change your credit report based on your heresay. You provide the proof something is wrong and they will correct it, but again, you have to have proof.

I'm a computer/electronics expert - self employed computer consultant. And guess what? I have all the necessities of conduction a legitimate business -licenses, insurance, tax ID number, bank account and credit account for my business. Do you? Or are you more in line with the many self-employed "lawn care specialists" that go around the neighborhood with a lawn mower in the back of a pickup truck cutting lawns and shrubs and accept only CASH payments? I read your letter. Here's what you wrote: "that she falsify my income $ 9,700 month and $117000. A year. I am self employ " She filled out the form, but YOU signed it. YOU are responsible for what you sign - THAT IS THE LAW. It is always PRESUMED that the undersigned has read and understands what they are signing. If you don't understand something in a contract - DON'T SIGN IT. Oh, and NEVER sign something that is not completely filled out. As a business person (or so you claim) I would expect you to know this, so I am compelled to believe you KNEW what you were signing. Therefore, I believe you are the rip-off. If you want to claim you didn't read it or that the contract had blanks when you signed it - that's up to you, but it shows you're not much of a business person. About credit monitoring service. You paid for them to "fix" your credit report? NONSENSE! you paid for monitoring and that's just what it is. YOU NEVER HAVE TO PAY THEM TO FIX SOMETHING THAT IS INCORRECT! The problem is you have to have proof that something is incorrect - something you claim to have but I find less and less likely. I was the victim of identify theft almost 2 years ago. I sent certified letters to the credit bureaus with supporting documents and they cleared everything up nicely in less than 4 weeks. Your report is about the credit bureaus refusing to change your credit report based on your heresay. You provide the proof something is wrong and they will correct it, but again, you have to have proof.

All I did is ask for help I did not do noting wrong Hello if you can read this letter that is 100% I have recevie a police report stating that the broker has forges my documents for more money. I have send the report to the mortgage company now I have to get a respond. You can also see me in a video on 7 on your under mortgage fraud or in your search if you put nickramirez mortgage fraud you will find my stoys and where to find the video; You are a joke or only concern about your own needs. I am right by law you wrong if you are a certified professional and talking like this you need to find a soming to do beside llying and using the word trust me and I promise. BY LAW YOU ARE WRONG WHAT BANK DO YOU WORK FOR WE NEED TO TALK ABOUT YOUR RESPONDS YOU NEED TO BE CHECK TO SEE IF YOU HAVE ANY WRONGDOING THAT I BELIVE YOU DO . Now with all of the evidences and the wrongdoing and the misrepresentations with violations that have raised along fraud and engaging in unfair and deceptive acts. The law states that any certified professional that failed to make the required shall take prompt and appropriate disciplinary action. Also not to be unfair, deceptive, misleading or unlawful. All of the professional that are certified and licensed by the State are required to follow the rules with the best ability and fully encourage any parties in good faith This letter will give a detailed description of the reasons why this loan is an invalid loan and should be rescinded. This letter shows how I was taken advantage of by my broker; Ms. Shelly Poe, who was working for Pinnacle Financial at the time. Also listed below is a time-line account of the events which occurred while refinancing my home. Also included in this letter is a detailed account of all of the inaccurate information that was on my credit report. It is the responsibility of the broker to make sure that all of the adverse information on my credit report is correct at the time of the loan Forged documents On Friday April 5th, 2007, I received copies of the Deed of Trust that were recorded though the Alameda County. I discovered that my signatures and initials on all of the documents that I received were forged. In addition on the front page of the Deed of Trust, my name had been white out, and it look liked my name was then filled in with a pen. These were all dated on April 11, 2006 sealed with the official records of Alameda County under the name of Patrick O Connell. My signature was also forged on the Grant Deed as well. Ms. Shelly Poe, my broker signed the Grant Deed; her name was on it as the Notary Public April 17, 2006 She is the Broker not Notary Public. It states that she witnesses my signature on April, 17 2006. I never signed anything on April 17th. The only time I saw Ms. Poe was on April 11, 2006. On Monday April 9, 2007, I received my closing loan documents from AMC Mortgage Company. None of the documents I received from the Mortgage Company had been recorded through the County, but more important they were not the same as the copies that I had received from the County files. On the Deed of Trust, my name was typed in correctly with no sign of white-out used. These were not the same documents that I had signed on April 11, 2006. None of the signatures match my signature. To sum this up, the Broker submitted fraudulent loan papers to Argent Mortgage, and to the County to be recorded. Falsified or Fraudulent application. Ms. Poe falsified my monthly income on my loan application that I never received or fill out to Argent Mortgage without my knowledge. She said I was making $117,000.00 a year, when at the time I was in a wheelchair and unable to work due to an accident which occurred in Nov. 2005. As a result of my income being inflated, I received a Notice of Proposed Assessment from the State of California Franchise Tax Board, dated April, 17 2007, (also attached) stating that I owe $10, 556.24 in back taxes because they used the estimated income listed on my mortgage papers. Steering to High Rate Lenders In March 2006, I needed to refinance due to the financial hardship I was in because of the accident. At that time, I was ready to sign with World Savings. My monthly payment was going to be $1800.00. (See attached loan papers). Shelly Poe contacted me and stated she could get me a better loan. I trusted her because she had helped me with my previous loan with Option One. She told me not to worry about a thing; she would take care of everything. I never even filled out an application. In March 2006 I was approved for an adjustable rate mortgage with Argent Mortgage for $550,800.00 for 360 months. My principal balance prior to this refinances was $480,000.00 with a $2,600.00 monthly payment. Now my principal balance is $576,000 with a monthly payment of $3871.17. Out of the $90,000.00 of equity that has been taken out of my home, I only received $34, 000.00 cash out. Excessive Mortgage Fees To begin, in the Loan Payoff to Option One Mortgage, I was incorrectly charged $7,057.33 in Interest Per Diem from 02/01/07m 04/20/07. 79 days @ 89.33 per day. The reason why this is incorrect is because I was not late on my payments to them so the interest had already been paid to them. I was double charged. There is also a $1,772.76 Miscellaneous charge which has never been explained to me what that charge is. I was charged $12,864.00 in a pre-payment penalty, which I was never informed that I had to pay. In fact, Ms. Poe told me that I was not going to be charged a pre-payment penalty. I was charged $250.00 for the appraisal fee, which I had already paid out of pocket previously to the appraiser the day he came to my home. I was charged $495.00 for the processing fee and an additional $495.00 for the application fee. That should only be one fee for both. I was charged an underwriting fee of $799.00. Shouldnt all these fees been include in the Origination fees UNDERWRITING Means the process of approving or denying a loan based on an evaluation of the applicants creditworthiness and ability to repay the loan an Appraisal of market value of the residential property proposed to secure the loan It is the responsibility of the underwriter that the information is 100% This loan is so misleading and unfair. This is unacceptable pertaining to this loan. Along with the Parties involved. Below are the figures that are listed on the Truth in Lending disclosure from my current loan and future loans Ms. Poe tried to obtain for me. I am listing these figures to show you how she tried to put me in a financial situation that was not for my best interest. Truth in lending disclosure date March 31, 2006 Preliminary by Ms. Poe Truth in lending disclosure date April 11, 2006 Final by Ms. Poe Truth in lending disclosure date August 23, 2006 Preliminary by AMC Truth in lending disclosure date September 26 2006 Final by Ms. Poe 1 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - PRELIMINARY Documents Dated March 31, 2006 Loan Number 0096372958-9507. Annual Percentage rate (e) 10.636 %. Finance Charge $1,323,983.17 (e) Amount Financed $ 548,349.96 (e). Total of Payments $1,872,333.13 (e) With a payment of $ 4.333.14 Starting 05/01/2006 2 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - FINAL Documents Dated April11, 2006 Loan Number 0096372958-9507. Annual Percentage rate 10.660 % . Finance Charge $1,382,219.56 Amount Financed $ 537,858.78 Total of Payments$ 1,920,078.34 With a payment of $ 3,871.17 Starting 06/01/2006 I applied for a loan with Applicant with AMC Mortgage Co Dated August 23, 2006 I was denied because I did not have an income. TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Loan Number 0152759783-2461 Annual Percentage rate (e) 10.044 % Finance Charge $1,267,133.42 (e) Amount Financed $ 559,958.78 (e) Total of Payments $ 1,827,092.20 (e) With a payment of $4,144.89 #4 Ms. Shelly Poe applied for a loan Applicant with AMC Mortgage Co TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Dated September 26, 2006 Loan Number 0103494639-9507 Annual Percentage rate (e) 11.319 % Finance Charge $1,581,967.06 (e) Amount Financed $ 584,020.55 (e) Total of Payments $ 2,165,987.61 (e) With a payment of $4,848.22 Ms. Poe purposely structured these loans with monthly payments that she knew I could not afford. I feel she did this so I would have no choice but to default on the loan, then would have to turn to her for additional help, and then she could impose more fees and additional penalties. At this point, she already had me at 90% value, and knew that it would be very hard to refinance again. As a professional broker, licensed by the State of California, how could she in good faith have my best interest in mind when she tried to steer me into these loans. Negative Amortization My monthly payment of $3871.00 does not cover the monthly payment so my principal balance increases each month. In fact, according to my 2006 Mortgage Interest Statement (attached), only $154.00 went towards the principal balance. The remaining $3717.90 went to the interest. The amount I will have to pay after I have made all payments would be $2,165,987.61, which is almost four times what my house is worth. Inaccurate Credit Reporting For the last year I have been trying to resolve and correct errors on my credit report. I have provided all of the research and provided all necessary documents from the creditors stating all accounts were paid in full, along with copies of checks. I called day after day, week after week. I faxed, mailed & e-mailed. I have written about 200 letters or more. I paid for six of their online monitors services to help me fix their errors and inaccuracy on my credit report. I was asking for help and pleading for help for 11, months. I did not get the support or help that the customer services staff entitled me to. My accounts were not properly handled and my credit score was not correct. In addition, the Interest rate that has cost me thousands of dollars due to my incorrect score. We have the right to have the correct information reported on our credit report. I feel that I was mistreated by all three credit bureaus I even receive a letter from National Consumer Assistance Center from Experian saying they were going to take action against me . Why didnt they just help There has to be a reason why so much inaccuracy on my credit report. Jan 2006 I still had five accounts open; one was due to fraud and a 30-day late from Ocwen Bank, which was incorrect. There were also 38 inquiries, which were not valid. All of these accounts should have shown paid in full as of October 2005. This is when my nightmare with the credit bureaus began, and continues to this day. 4856 This account is not mine. I have called Cingular Wireless and they said that they going to send me a letter so I can take it to the police department it was never sent. I talked to Costumer Service about the bill and Costumer Service said that 4 phones were open on that account the address for the bill was 3023 Florida st in Oakland ca 94602. I have filed identify theft and place a fraud alert in my file with four credit bureaus. The fraud alert was only to be in effect for 90 days. I requested that the fraud alert be removed on September 25, 2006. Dinah Watson of Equifax Office of Executive Consumer Service send me email if I wanted the fraud alert to be removed from my credit it would be deleted just email her back and she would take care of the remover of the fraud alert. I did send her an email to remove it this has never been removed, and is causing me further stress when trying to apply for any additional credit. On 8/06 the four credit bureaus placed a fraud alert on my credit report again without my permission and still to this day it remains on my credit report. In this case it was not about fraud it was about bad reporting errors and inaccuracy inform on my credit report. Still the credit bureaus did not do what they were to do by law. Dont I have any rights? Also, about the Wells Fargo Visa I applied for. Looking over my credit report 9-9-2006 in this report it state that this wells Fargo account was open in 8-2006. I receive the secured credit card 8-28-2006. On this credit report it was update 9/2006 Balance $334.00 it does not add up how can I owe $334.00 in ten days. And on my credit report just like that. As if they knew that, I was late before I was even late. This is not fair or right. The bank intercepted the money and I never used the credit card. Not even once and I paid $ 300.Of my money to open this account for noting but a bad deal. Again in the hand of the top Credit Bureaus. I was informed by Dinah Watson of Equifax Office of Executive Consumer Service that a secured credit card would raise my score. I informed her by fax email and call when the card had been approved and got no confirmation that she had received my fax or did it improve my credit score. The bank intercepted the money and I never used my card. Therefore, by taking her advice, I am now further in dept. If this problem with my credit report been resolved nine months ago or two months ago my bank account would not have been overdrawn. On 03/28/06 I received a credit report by CBCinnovis. On this credit report my credit scores read as follows: Equifax 562; Trans Union 613; Experian 619. On 03/30/06, Argent Mortgage ran a copy of my credit report and my scores read Equifax 560; Trans Union 594; Experian 605. Equifax go down 2 points in two days. TransUnion 19 points in 2 days. Experian go up 14 points in 2 days Why did the mortgage use the credit report on the 3/30/ 06 and not the 3/28/06 with the better score only two day and it went down with Equifax 2 points and TransUnion 19 points and Experian 14 points Why did my credit score with Equifax go down 2 points and TransUnion down 19 points Experian went down 14 On these two credit report date 3/28/06 and 3/30/06 there are the same errors. AFNI. Account for $802 was showing past due that been paid in Oct 27 2005 in full Cingular wireless Account No. 18856. Was showing unpaid this was a fraudulent account, 30 days late. Ocwen Federal account 3174033 showing late that incorrect never was late .have letters from Ocwen paid as agreed for all months verifying from their research department with a satisfactory payment history with Ocwen and a apologizing letter and . Taken off in 8/06. 78 inquiries In April 2006 Equifax deleted all Experian and TransUnion deleted 50 or more. This number of Inquires on my consumers credit file has adversely affected the credit score. These Inquires affected my credit score and interest rate and still to this date on my credit report. Time-line of events which occurred from April 2006 until present April 2006 paid $3871.19 on time May 2006 - paid $3871.19 on time June 2006 - paid $3871.19 on time July 2006 - paid $3871.19 on time August 2006 paid $3871.00 on time. September 2006 Late on my house payment. Ms. Poe assured me that she was going to get me a loan where my monthly payment was going to be reduced to $1800.00, and I would receive approximately $30,000. I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,000.00 per month and get only $6,000.00 cash back. I told her that I would not accept that. 10-06-06 received a Notice of Intent to foreclose from AMC on November 7, 2006 reinstatement balance of $7795.94. 11-06 Received Notice of Default from AMC (you have copies of all notices I have received from AMC & Towne & Country Title Services. Inc.) 12-12-06 Met with a lawyer, Steven Small to review loan documents. He pointed out that Option One incorrectly charged interest at a rate of $80.00 per day for 02/06 04/06 for late payments. I was not late during that time. (See attached billing statements.) 01/15/07 I Spoke with representative from AMC on phone and she informed me that I would need to pay at least $5000.00 if I wanted to set up any type of repayment plan. She also informed me that AMC does not restructure their loans to add amount of default to the end of the loan. 02-15-07 Spoke to customer service reprehensive from AMC to request a copy of a payment demand letter. 02-26-07 I received copy of payment demand letter which stated a balance of $26, 000 to reinstate the loan. 03/07 AMC sent two representatives from Titanium Solutions to my home to discuss possible solutions to avoid foreclosure. I was never informed that they were coming to my house so I was reluctant when asked to sign anything. I called AMC while they were still here, and AMC did not know anything about this meeting. 03/15/07 My water was turned off. 03/18/07 Seven on your side came to my home to hear my story, and interview me. 03/23/07 Received copy of Notice of Trustee Sale which will occur on 04/13/07. The notice stated that the amount of unpaid balance and other charges was $570,608.69. My initial loan was for $550,800.00. 03/26/06 I Spoke to Michelle from Reinstatement department of AMC regarding possible solutions to reinstate this loan. She said that if we pay them $25,000.00 down, she would reinstate the loan, but an additional $900.00 would be added to the monthly payments for the next 11 months. That would make the monthly payment $4800.00. I informed her that that was an unrealistic solution. I then asked if she would extend the foreclosure date. She stated that the only way AMC will extend the foreclosure date is if we send them proof that there is an interested buyer that has been approved for an amount which would satisfy the loan. She also said in addition to an approval letter, we would need to send a copy of the contract and HUD papers. 04/06/07 I Received another payment demand notice which stated a balance of $35,969.36. (An additional $10,000 in fees in just 1 month). April 5 2007 I receive copies of the documents that were Record though the Alameda County the document that I receive were all forge I have 20 pages all have been forge Deeds of Trust it looks like my name was white out, Also my name were forger on all the docs and Initials too. 04/06/07 Met with a real estate agent to list my property for sale. (This is as a last resort). 04/11/07 ERIC MUSIO, reinstatement dept AMC I informed Eric of my sale date of 4/13/07. After looking over closing package, sent to me by AMC, I noticed all inaccuracies, Eric informed me to fax the papers to him and he would forward them to the Office of the President, of Argent. He informed me to call the Argents office of the President the following morning and ask for Rick Roberts 04/12/07 Rick Roberts, Argent Office of the President When I asked Mr. Roberts for status, he informed me to contact the legal department for information. I left a message in the legal department. 04/12/07 Trish, Legal Department Called me to inform me that the sale date has been postponed for 30 days for investigation. 04/13/07 Reinstatement Department Confirmed 30 day extension, and asked for something in writing. New sale date is May 14, 2007. 04/16/07 Roxanne, Reinstatement Department, Asked what is going to happen in the next 30 days. She told me to call Argent, Office of the President for information. 04/16/07 Patricia, Office of the President Informed me that my file has not been assigned as of today, and to call Angie in the legal department, 888-311-4721, refer to file #170917 tomorrow. 04/26/07 Marc at Argent Informed me that the file was sent to the fraud department, and referred me to Eddie Misilli who handles fraud cases. At x 10213. He informed me that in these cases AMC will try to work with the Borrower. I told him we have not received any calls from AMC and have left several messages. 04/26/07 Eddie Miselli, fraud dept. x 10213 Left voicemail for Mr. Miselli to call back at 4:00 pm. 05/10/07 Marc VerPlanck Argent Mortgage 1-888-311-4721 Received an ID Theft package from Argent Mortgage to confirm that this was an ID theft. Mark stated that because the documents were forged that it makes it ID theft. there is more Nick alameda, California U.S.A.

All I did is ask for help I did not do noting wrong Hello if you can read this letter that is 100% I have recevie a police report stating that the broker has forges my documents for more money. I have send the report to the mortgage company now I have to get a respond. You can also see me in a video on 7 on your under mortgage fraud or in your search if you put nickramirez mortgage fraud you will find my stoys and where to find the video; You are a joke or only concern about your own needs. I am right by law you wrong if you are a certified professional and talking like this you need to find a soming to do beside llying and using the word trust me and I promise. BY LAW YOU ARE WRONG WHAT BANK DO YOU WORK FOR WE NEED TO TALK ABOUT YOUR RESPONDS YOU NEED TO BE CHECK TO SEE IF YOU HAVE ANY WRONGDOING THAT I BELIVE YOU DO . Now with all of the evidences and the wrongdoing and the misrepresentations with violations that have raised along fraud and engaging in unfair and deceptive acts. The law states that any certified professional that failed to make the required shall take prompt and appropriate disciplinary action. Also not to be unfair, deceptive, misleading or unlawful. All of the professional that are certified and licensed by the State are required to follow the rules with the best ability and fully encourage any parties in good faith This letter will give a detailed description of the reasons why this loan is an invalid loan and should be rescinded. This letter shows how I was taken advantage of by my broker; Ms. Shelly Poe, who was working for Pinnacle Financial at the time. Also listed below is a time-line account of the events which occurred while refinancing my home. Also included in this letter is a detailed account of all of the inaccurate information that was on my credit report. It is the responsibility of the broker to make sure that all of the adverse information on my credit report is correct at the time of the loan Forged documents On Friday April 5th, 2007, I received copies of the Deed of Trust that were recorded though the Alameda County. I discovered that my signatures and initials on all of the documents that I received were forged. In addition on the front page of the Deed of Trust, my name had been white out, and it look liked my name was then filled in with a pen. These were all dated on April 11, 2006 sealed with the official records of Alameda County under the name of Patrick O Connell. My signature was also forged on the Grant Deed as well. Ms. Shelly Poe, my broker signed the Grant Deed; her name was on it as the Notary Public April 17, 2006 She is the Broker not Notary Public. It states that she witnesses my signature on April, 17 2006. I never signed anything on April 17th. The only time I saw Ms. Poe was on April 11, 2006. On Monday April 9, 2007, I received my closing loan documents from AMC Mortgage Company. None of the documents I received from the Mortgage Company had been recorded through the County, but more important they were not the same as the copies that I had received from the County files. On the Deed of Trust, my name was typed in correctly with no sign of white-out used. These were not the same documents that I had signed on April 11, 2006. None of the signatures match my signature. To sum this up, the Broker submitted fraudulent loan papers to Argent Mortgage, and to the County to be recorded. Falsified or Fraudulent application. Ms. Poe falsified my monthly income on my loan application that I never received or fill out to Argent Mortgage without my knowledge. She said I was making $117,000.00 a year, when at the time I was in a wheelchair and unable to work due to an accident which occurred in Nov. 2005. As a result of my income being inflated, I received a Notice of Proposed Assessment from the State of California Franchise Tax Board, dated April, 17 2007, (also attached) stating that I owe $10, 556.24 in back taxes because they used the estimated income listed on my mortgage papers. Steering to High Rate Lenders In March 2006, I needed to refinance due to the financial hardship I was in because of the accident. At that time, I was ready to sign with World Savings. My monthly payment was going to be $1800.00. (See attached loan papers). Shelly Poe contacted me and stated she could get me a better loan. I trusted her because she had helped me with my previous loan with Option One. She told me not to worry about a thing; she would take care of everything. I never even filled out an application. In March 2006 I was approved for an adjustable rate mortgage with Argent Mortgage for $550,800.00 for 360 months. My principal balance prior to this refinances was $480,000.00 with a $2,600.00 monthly payment. Now my principal balance is $576,000 with a monthly payment of $3871.17. Out of the $90,000.00 of equity that has been taken out of my home, I only received $34, 000.00 cash out. Excessive Mortgage Fees To begin, in the Loan Payoff to Option One Mortgage, I was incorrectly charged $7,057.33 in Interest Per Diem from 02/01/07m 04/20/07. 79 days @ 89.33 per day. The reason why this is incorrect is because I was not late on my payments to them so the interest had already been paid to them. I was double charged. There is also a $1,772.76 Miscellaneous charge which has never been explained to me what that charge is. I was charged $12,864.00 in a pre-payment penalty, which I was never informed that I had to pay. In fact, Ms. Poe told me that I was not going to be charged a pre-payment penalty. I was charged $250.00 for the appraisal fee, which I had already paid out of pocket previously to the appraiser the day he came to my home. I was charged $495.00 for the processing fee and an additional $495.00 for the application fee. That should only be one fee for both. I was charged an underwriting fee of $799.00. Shouldnt all these fees been include in the Origination fees UNDERWRITING Means the process of approving or denying a loan based on an evaluation of the applicants creditworthiness and ability to repay the loan an Appraisal of market value of the residential property proposed to secure the loan It is the responsibility of the underwriter that the information is 100% This loan is so misleading and unfair. This is unacceptable pertaining to this loan. Along with the Parties involved. Below are the figures that are listed on the Truth in Lending disclosure from my current loan and future loans Ms. Poe tried to obtain for me. I am listing these figures to show you how she tried to put me in a financial situation that was not for my best interest. Truth in lending disclosure date March 31, 2006 Preliminary by Ms. Poe Truth in lending disclosure date April 11, 2006 Final by Ms. Poe Truth in lending disclosure date August 23, 2006 Preliminary by AMC Truth in lending disclosure date September 26 2006 Final by Ms. Poe 1 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - PRELIMINARY Documents Dated March 31, 2006 Loan Number 0096372958-9507. Annual Percentage rate (e) 10.636 %. Finance Charge $1,323,983.17 (e) Amount Financed $ 548,349.96 (e). Total of Payments $1,872,333.13 (e) With a payment of $ 4.333.14 Starting 05/01/2006 2 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - FINAL Documents Dated April11, 2006 Loan Number 0096372958-9507. Annual Percentage rate 10.660 % . Finance Charge $1,382,219.56 Amount Financed $ 537,858.78 Total of Payments$ 1,920,078.34 With a payment of $ 3,871.17 Starting 06/01/2006 I applied for a loan with Applicant with AMC Mortgage Co Dated August 23, 2006 I was denied because I did not have an income. TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Loan Number 0152759783-2461 Annual Percentage rate (e) 10.044 % Finance Charge $1,267,133.42 (e) Amount Financed $ 559,958.78 (e) Total of Payments $ 1,827,092.20 (e) With a payment of $4,144.89 #4 Ms. Shelly Poe applied for a loan Applicant with AMC Mortgage Co TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Dated September 26, 2006 Loan Number 0103494639-9507 Annual Percentage rate (e) 11.319 % Finance Charge $1,581,967.06 (e) Amount Financed $ 584,020.55 (e) Total of Payments $ 2,165,987.61 (e) With a payment of $4,848.22 Ms. Poe purposely structured these loans with monthly payments that she knew I could not afford. I feel she did this so I would have no choice but to default on the loan, then would have to turn to her for additional help, and then she could impose more fees and additional penalties. At this point, she already had me at 90% value, and knew that it would be very hard to refinance again. As a professional broker, licensed by the State of California, how could she in good faith have my best interest in mind when she tried to steer me into these loans. Negative Amortization My monthly payment of $3871.00 does not cover the monthly payment so my principal balance increases each month. In fact, according to my 2006 Mortgage Interest Statement (attached), only $154.00 went towards the principal balance. The remaining $3717.90 went to the interest. The amount I will have to pay after I have made all payments would be $2,165,987.61, which is almost four times what my house is worth. Inaccurate Credit Reporting For the last year I have been trying to resolve and correct errors on my credit report. I have provided all of the research and provided all necessary documents from the creditors stating all accounts were paid in full, along with copies of checks. I called day after day, week after week. I faxed, mailed & e-mailed. I have written about 200 letters or more. I paid for six of their online monitors services to help me fix their errors and inaccuracy on my credit report. I was asking for help and pleading for help for 11, months. I did not get the support or help that the customer services staff entitled me to. My accounts were not properly handled and my credit score was not correct. In addition, the Interest rate that has cost me thousands of dollars due to my incorrect score. We have the right to have the correct information reported on our credit report. I feel that I was mistreated by all three credit bureaus I even receive a letter from National Consumer Assistance Center from Experian saying they were going to take action against me . Why didnt they just help There has to be a reason why so much inaccuracy on my credit report. Jan 2006 I still had five accounts open; one was due to fraud and a 30-day late from Ocwen Bank, which was incorrect. There were also 38 inquiries, which were not valid. All of these accounts should have shown paid in full as of October 2005. This is when my nightmare with the credit bureaus began, and continues to this day. 4856 This account is not mine. I have called Cingular Wireless and they said that they going to send me a letter so I can take it to the police department it was never sent. I talked to Costumer Service about the bill and Costumer Service said that 4 phones were open on that account the address for the bill was 3023 Florida st in Oakland ca 94602. I have filed identify theft and place a fraud alert in my file with four credit bureaus. The fraud alert was only to be in effect for 90 days. I requested that the fraud alert be removed on September 25, 2006. Dinah Watson of Equifax Office of Executive Consumer Service send me email if I wanted the fraud alert to be removed from my credit it would be deleted just email her back and she would take care of the remover of the fraud alert. I did send her an email to remove it this has never been removed, and is causing me further stress when trying to apply for any additional credit. On 8/06 the four credit bureaus placed a fraud alert on my credit report again without my permission and still to this day it remains on my credit report. In this case it was not about fraud it was about bad reporting errors and inaccuracy inform on my credit report. Still the credit bureaus did not do what they were to do by law. Dont I have any rights? Also, about the Wells Fargo Visa I applied for. Looking over my credit report 9-9-2006 in this report it state that this wells Fargo account was open in 8-2006. I receive the secured credit card 8-28-2006. On this credit report it was update 9/2006 Balance $334.00 it does not add up how can I owe $334.00 in ten days. And on my credit report just like that. As if they knew that, I was late before I was even late. This is not fair or right. The bank intercepted the money and I never used the credit card. Not even once and I paid $ 300.Of my money to open this account for noting but a bad deal. Again in the hand of the top Credit Bureaus. I was informed by Dinah Watson of Equifax Office of Executive Consumer Service that a secured credit card would raise my score. I informed her by fax email and call when the card had been approved and got no confirmation that she had received my fax or did it improve my credit score. The bank intercepted the money and I never used my card. Therefore, by taking her advice, I am now further in dept. If this problem with my credit report been resolved nine months ago or two months ago my bank account would not have been overdrawn. On 03/28/06 I received a credit report by CBCinnovis. On this credit report my credit scores read as follows: Equifax 562; Trans Union 613; Experian 619. On 03/30/06, Argent Mortgage ran a copy of my credit report and my scores read Equifax 560; Trans Union 594; Experian 605. Equifax go down 2 points in two days. TransUnion 19 points in 2 days. Experian go up 14 points in 2 days Why did the mortgage use the credit report on the 3/30/ 06 and not the 3/28/06 with the better score only two day and it went down with Equifax 2 points and TransUnion 19 points and Experian 14 points Why did my credit score with Equifax go down 2 points and TransUnion down 19 points Experian went down 14 On these two credit report date 3/28/06 and 3/30/06 there are the same errors. AFNI. Account for $802 was showing past due that been paid in Oct 27 2005 in full Cingular wireless Account No. 18856. Was showing unpaid this was a fraudulent account, 30 days late. Ocwen Federal account 3174033 showing late that incorrect never was late .have letters from Ocwen paid as agreed for all months verifying from their research department with a satisfactory payment history with Ocwen and a apologizing letter and . Taken off in 8/06. 78 inquiries In April 2006 Equifax deleted all Experian and TransUnion deleted 50 or more. This number of Inquires on my consumers credit file has adversely affected the credit score. These Inquires affected my credit score and interest rate and still to this date on my credit report. Time-line of events which occurred from April 2006 until present April 2006 paid $3871.19 on time May 2006 - paid $3871.19 on time June 2006 - paid $3871.19 on time July 2006 - paid $3871.19 on time August 2006 paid $3871.00 on time. September 2006 Late on my house payment. Ms. Poe assured me that she was going to get me a loan where my monthly payment was going to be reduced to $1800.00, and I would receive approximately $30,000. I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,000.00 per month and get only $6,000.00 cash back. I told her that I would not accept that. 10-06-06 received a Notice of Intent to foreclose from AMC on November 7, 2006 reinstatement balance of $7795.94. 11-06 Received Notice of Default from AMC (you have copies of all notices I have received from AMC & Towne & Country Title Services. Inc.) 12-12-06 Met with a lawyer, Steven Small to review loan documents. He pointed out that Option One incorrectly charged interest at a rate of $80.00 per day for 02/06 04/06 for late payments. I was not late during that time. (See attached billing statements.) 01/15/07 I Spoke with representative from AMC on phone and she informed me that I would need to pay at least $5000.00 if I wanted to set up any type of repayment plan. She also informed me that AMC does not restructure their loans to add amount of default to the end of the loan. 02-15-07 Spoke to customer service reprehensive from AMC to request a copy of a payment demand letter. 02-26-07 I received copy of payment demand letter which stated a balance of $26, 000 to reinstate the loan. 03/07 AMC sent two representatives from Titanium Solutions to my home to discuss possible solutions to avoid foreclosure. I was never informed that they were coming to my house so I was reluctant when asked to sign anything. I called AMC while they were still here, and AMC did not know anything about this meeting. 03/15/07 My water was turned off. 03/18/07 Seven on your side came to my home to hear my story, and interview me. 03/23/07 Received copy of Notice of Trustee Sale which will occur on 04/13/07. The notice stated that the amount of unpaid balance and other charges was $570,608.69. My initial loan was for $550,800.00. 03/26/06 I Spoke to Michelle from Reinstatement department of AMC regarding possible solutions to reinstate this loan. She said that if we pay them $25,000.00 down, she would reinstate the loan, but an additional $900.00 would be added to the monthly payments for the next 11 months. That would make the monthly payment $4800.00. I informed her that that was an unrealistic solution. I then asked if she would extend the foreclosure date. She stated that the only way AMC will extend the foreclosure date is if we send them proof that there is an interested buyer that has been approved for an amount which would satisfy the loan. She also said in addition to an approval letter, we would need to send a copy of the contract and HUD papers. 04/06/07 I Received another payment demand notice which stated a balance of $35,969.36. (An additional $10,000 in fees in just 1 month). April 5 2007 I receive copies of the documents that were Record though the Alameda County the document that I receive were all forge I have 20 pages all have been forge Deeds of Trust it looks like my name was white out, Also my name were forger on all the docs and Initials too. 04/06/07 Met with a real estate agent to list my property for sale. (This is as a last resort). 04/11/07 ERIC MUSIO, reinstatement dept AMC I informed Eric of my sale date of 4/13/07. After looking over closing package, sent to me by AMC, I noticed all inaccuracies, Eric informed me to fax the papers to him and he would forward them to the Office of the President, of Argent. He informed me to call the Argents office of the President the following morning and ask for Rick Roberts 04/12/07 Rick Roberts, Argent Office of the President When I asked Mr. Roberts for status, he informed me to contact the legal department for information. I left a message in the legal department. 04/12/07 Trish, Legal Department Called me to inform me that the sale date has been postponed for 30 days for investigation. 04/13/07 Reinstatement Department Confirmed 30 day extension, and asked for something in writing. New sale date is May 14, 2007. 04/16/07 Roxanne, Reinstatement Department, Asked what is going to happen in the next 30 days. She told me to call Argent, Office of the President for information. 04/16/07 Patricia, Office of the President Informed me that my file has not been assigned as of today, and to call Angie in the legal department, 888-311-4721, refer to file #170917 tomorrow. 04/26/07 Marc at Argent Informed me that the file was sent to the fraud department, and referred me to Eddie Misilli who handles fraud cases. At x 10213. He informed me that in these cases AMC will try to work with the Borrower. I told him we have not received any calls from AMC and have left several messages. 04/26/07 Eddie Miselli, fraud dept. x 10213 Left voicemail for Mr. Miselli to call back at 4:00 pm. 05/10/07 Marc VerPlanck Argent Mortgage 1-888-311-4721 Received an ID Theft package from Argent Mortgage to confirm that this was an ID theft. Mark stated that because the documents were forged that it makes it ID theft. there is more Nick alameda, California U.S.A.

All I did is ask for help I did not do noting wrong Hello if you can read this letter that is 100% I have recevie a police report stating that the broker has forges my documents for more money. I have send the report to the mortgage company now I have to get a respond. You can also see me in a video on 7 on your under mortgage fraud or in your search if you put nickramirez mortgage fraud you will find my stoys and where to find the video; You are a joke or only concern about your own needs. I am right by law you wrong if you are a certified professional and talking like this you need to find a soming to do beside llying and using the word trust me and I promise. BY LAW YOU ARE WRONG WHAT BANK DO YOU WORK FOR WE NEED TO TALK ABOUT YOUR RESPONDS YOU NEED TO BE CHECK TO SEE IF YOU HAVE ANY WRONGDOING THAT I BELIVE YOU DO . Now with all of the evidences and the wrongdoing and the misrepresentations with violations that have raised along fraud and engaging in unfair and deceptive acts. The law states that any certified professional that failed to make the required shall take prompt and appropriate disciplinary action. Also not to be unfair, deceptive, misleading or unlawful. All of the professional that are certified and licensed by the State are required to follow the rules with the best ability and fully encourage any parties in good faith This letter will give a detailed description of the reasons why this loan is an invalid loan and should be rescinded. This letter shows how I was taken advantage of by my broker; Ms. Shelly Poe, who was working for Pinnacle Financial at the time. Also listed below is a time-line account of the events which occurred while refinancing my home. Also included in this letter is a detailed account of all of the inaccurate information that was on my credit report. It is the responsibility of the broker to make sure that all of the adverse information on my credit report is correct at the time of the loan Forged documents On Friday April 5th, 2007, I received copies of the Deed of Trust that were recorded though the Alameda County. I discovered that my signatures and initials on all of the documents that I received were forged. In addition on the front page of the Deed of Trust, my name had been white out, and it look liked my name was then filled in with a pen. These were all dated on April 11, 2006 sealed with the official records of Alameda County under the name of Patrick O Connell. My signature was also forged on the Grant Deed as well. Ms. Shelly Poe, my broker signed the Grant Deed; her name was on it as the Notary Public April 17, 2006 She is the Broker not Notary Public. It states that she witnesses my signature on April, 17 2006. I never signed anything on April 17th. The only time I saw Ms. Poe was on April 11, 2006. On Monday April 9, 2007, I received my closing loan documents from AMC Mortgage Company. None of the documents I received from the Mortgage Company had been recorded through the County, but more important they were not the same as the copies that I had received from the County files. On the Deed of Trust, my name was typed in correctly with no sign of white-out used. These were not the same documents that I had signed on April 11, 2006. None of the signatures match my signature. To sum this up, the Broker submitted fraudulent loan papers to Argent Mortgage, and to the County to be recorded. Falsified or Fraudulent application. Ms. Poe falsified my monthly income on my loan application that I never received or fill out to Argent Mortgage without my knowledge. She said I was making $117,000.00 a year, when at the time I was in a wheelchair and unable to work due to an accident which occurred in Nov. 2005. As a result of my income being inflated, I received a Notice of Proposed Assessment from the State of California Franchise Tax Board, dated April, 17 2007, (also attached) stating that I owe $10, 556.24 in back taxes because they used the estimated income listed on my mortgage papers. Steering to High Rate Lenders In March 2006, I needed to refinance due to the financial hardship I was in because of the accident. At that time, I was ready to sign with World Savings. My monthly payment was going to be $1800.00. (See attached loan papers). Shelly Poe contacted me and stated she could get me a better loan. I trusted her because she had helped me with my previous loan with Option One. She told me not to worry about a thing; she would take care of everything. I never even filled out an application. In March 2006 I was approved for an adjustable rate mortgage with Argent Mortgage for $550,800.00 for 360 months. My principal balance prior to this refinances was $480,000.00 with a $2,600.00 monthly payment. Now my principal balance is $576,000 with a monthly payment of $3871.17. Out of the $90,000.00 of equity that has been taken out of my home, I only received $34, 000.00 cash out. Excessive Mortgage Fees To begin, in the Loan Payoff to Option One Mortgage, I was incorrectly charged $7,057.33 in Interest Per Diem from 02/01/07m 04/20/07. 79 days @ 89.33 per day. The reason why this is incorrect is because I was not late on my payments to them so the interest had already been paid to them. I was double charged. There is also a $1,772.76 Miscellaneous charge which has never been explained to me what that charge is. I was charged $12,864.00 in a pre-payment penalty, which I was never informed that I had to pay. In fact, Ms. Poe told me that I was not going to be charged a pre-payment penalty. I was charged $250.00 for the appraisal fee, which I had already paid out of pocket previously to the appraiser the day he came to my home. I was charged $495.00 for the processing fee and an additional $495.00 for the application fee. That should only be one fee for both. I was charged an underwriting fee of $799.00. Shouldnt all these fees been include in the Origination fees UNDERWRITING Means the process of approving or denying a loan based on an evaluation of the applicants creditworthiness and ability to repay the loan an Appraisal of market value of the residential property proposed to secure the loan It is the responsibility of the underwriter that the information is 100% This loan is so misleading and unfair. This is unacceptable pertaining to this loan. Along with the Parties involved. Below are the figures that are listed on the Truth in Lending disclosure from my current loan and future loans Ms. Poe tried to obtain for me. I am listing these figures to show you how she tried to put me in a financial situation that was not for my best interest. Truth in lending disclosure date March 31, 2006 Preliminary by Ms. Poe Truth in lending disclosure date April 11, 2006 Final by Ms. Poe Truth in lending disclosure date August 23, 2006 Preliminary by AMC Truth in lending disclosure date September 26 2006 Final by Ms. Poe 1 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - PRELIMINARY Documents Dated March 31, 2006 Loan Number 0096372958-9507. Annual Percentage rate (e) 10.636 %. Finance Charge $1,323,983.17 (e) Amount Financed $ 548,349.96 (e). Total of Payments $1,872,333.13 (e) With a payment of $ 4.333.14 Starting 05/01/2006 2 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - FINAL Documents Dated April11, 2006 Loan Number 0096372958-9507. Annual Percentage rate 10.660 % . Finance Charge $1,382,219.56 Amount Financed $ 537,858.78 Total of Payments$ 1,920,078.34 With a payment of $ 3,871.17 Starting 06/01/2006 I applied for a loan with Applicant with AMC Mortgage Co Dated August 23, 2006 I was denied because I did not have an income. TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Loan Number 0152759783-2461 Annual Percentage rate (e) 10.044 % Finance Charge $1,267,133.42 (e) Amount Financed $ 559,958.78 (e) Total of Payments $ 1,827,092.20 (e) With a payment of $4,144.89 #4 Ms. Shelly Poe applied for a loan Applicant with AMC Mortgage Co TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Dated September 26, 2006 Loan Number 0103494639-9507 Annual Percentage rate (e) 11.319 % Finance Charge $1,581,967.06 (e) Amount Financed $ 584,020.55 (e) Total of Payments $ 2,165,987.61 (e) With a payment of $4,848.22 Ms. Poe purposely structured these loans with monthly payments that she knew I could not afford. I feel she did this so I would have no choice but to default on the loan, then would have to turn to her for additional help, and then she could impose more fees and additional penalties. At this point, she already had me at 90% value, and knew that it would be very hard to refinance again. As a professional broker, licensed by the State of California, how could she in good faith have my best interest in mind when she tried to steer me into these loans. Negative Amortization My monthly payment of $3871.00 does not cover the monthly payment so my principal balance increases each month. In fact, according to my 2006 Mortgage Interest Statement (attached), only $154.00 went towards the principal balance. The remaining $3717.90 went to the interest. The amount I will have to pay after I have made all payments would be $2,165,987.61, which is almost four times what my house is worth. Inaccurate Credit Reporting For the last year I have been trying to resolve and correct errors on my credit report. I have provided all of the research and provided all necessary documents from the creditors stating all accounts were paid in full, along with copies of checks. I called day after day, week after week. I faxed, mailed & e-mailed. I have written about 200 letters or more. I paid for six of their online monitors services to help me fix their errors and inaccuracy on my credit report. I was asking for help and pleading for help for 11, months. I did not get the support or help that the customer services staff entitled me to. My accounts were not properly handled and my credit score was not correct. In addition, the Interest rate that has cost me thousands of dollars due to my incorrect score. We have the right to have the correct information reported on our credit report. I feel that I was mistreated by all three credit bureaus I even receive a letter from National Consumer Assistance Center from Experian saying they were going to take action against me . Why didnt they just help There has to be a reason why so much inaccuracy on my credit report. Jan 2006 I still had five accounts open; one was due to fraud and a 30-day late from Ocwen Bank, which was incorrect. There were also 38 inquiries, which were not valid. All of these accounts should have shown paid in full as of October 2005. This is when my nightmare with the credit bureaus began, and continues to this day. 4856 This account is not mine. I have called Cingular Wireless and they said that they going to send me a letter so I can take it to the police department it was never sent. I talked to Costumer Service about the bill and Costumer Service said that 4 phones were open on that account the address for the bill was 3023 Florida st in Oakland ca 94602. I have filed identify theft and place a fraud alert in my file with four credit bureaus. The fraud alert was only to be in effect for 90 days. I requested that the fraud alert be removed on September 25, 2006. Dinah Watson of Equifax Office of Executive Consumer Service send me email if I wanted the fraud alert to be removed from my credit it would be deleted just email her back and she would take care of the remover of the fraud alert. I did send her an email to remove it this has never been removed, and is causing me further stress when trying to apply for any additional credit. On 8/06 the four credit bureaus placed a fraud alert on my credit report again without my permission and still to this day it remains on my credit report. In this case it was not about fraud it was about bad reporting errors and inaccuracy inform on my credit report. Still the credit bureaus did not do what they were to do by law. Dont I have any rights? Also, about the Wells Fargo Visa I applied for. Looking over my credit report 9-9-2006 in this report it state that this wells Fargo account was open in 8-2006. I receive the secured credit card 8-28-2006. On this credit report it was update 9/2006 Balance $334.00 it does not add up how can I owe $334.00 in ten days. And on my credit report just like that. As if they knew that, I was late before I was even late. This is not fair or right. The bank intercepted the money and I never used the credit card. Not even once and I paid $ 300.Of my money to open this account for noting but a bad deal. Again in the hand of the top Credit Bureaus. I was informed by Dinah Watson of Equifax Office of Executive Consumer Service that a secured credit card would raise my score. I informed her by fax email and call when the card had been approved and got no confirmation that she had received my fax or did it improve my credit score. The bank intercepted the money and I never used my card. Therefore, by taking her advice, I am now further in dept. If this problem with my credit report been resolved nine months ago or two months ago my bank account would not have been overdrawn. On 03/28/06 I received a credit report by CBCinnovis. On this credit report my credit scores read as follows: Equifax 562; Trans Union 613; Experian 619. On 03/30/06, Argent Mortgage ran a copy of my credit report and my scores read Equifax 560; Trans Union 594; Experian 605. Equifax go down 2 points in two days. TransUnion 19 points in 2 days. Experian go up 14 points in 2 days Why did the mortgage use the credit report on the 3/30/ 06 and not the 3/28/06 with the better score only two day and it went down with Equifax 2 points and TransUnion 19 points and Experian 14 points Why did my credit score with Equifax go down 2 points and TransUnion down 19 points Experian went down 14 On these two credit report date 3/28/06 and 3/30/06 there are the same errors. AFNI. Account for $802 was showing past due that been paid in Oct 27 2005 in full Cingular wireless Account No. 18856. Was showing unpaid this was a fraudulent account, 30 days late. Ocwen Federal account 3174033 showing late that incorrect never was late .have letters from Ocwen paid as agreed for all months verifying from their research department with a satisfactory payment history with Ocwen and a apologizing letter and . Taken off in 8/06. 78 inquiries In April 2006 Equifax deleted all Experian and TransUnion deleted 50 or more. This number of Inquires on my consumers credit file has adversely affected the credit score. These Inquires affected my credit score and interest rate and still to this date on my credit report. Time-line of events which occurred from April 2006 until present April 2006 paid $3871.19 on time May 2006 - paid $3871.19 on time June 2006 - paid $3871.19 on time July 2006 - paid $3871.19 on time August 2006 paid $3871.00 on time. September 2006 Late on my house payment. Ms. Poe assured me that she was going to get me a loan where my monthly payment was going to be reduced to $1800.00, and I would receive approximately $30,000. I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,000.00 per month and get only $6,000.00 cash back. I told her that I would not accept that. 10-06-06 received a Notice of Intent to foreclose from AMC on November 7, 2006 reinstatement balance of $7795.94. 11-06 Received Notice of Default from AMC (you have copies of all notices I have received from AMC & Towne & Country Title Services. Inc.) 12-12-06 Met with a lawyer, Steven Small to review loan documents. He pointed out that Option One incorrectly charged interest at a rate of $80.00 per day for 02/06 04/06 for late payments. I was not late during that time. (See attached billing statements.) 01/15/07 I Spoke with representative from AMC on phone and she informed me that I would need to pay at least $5000.00 if I wanted to set up any type of repayment plan. She also informed me that AMC does not restructure their loans to add amount of default to the end of the loan. 02-15-07 Spoke to customer service reprehensive from AMC to request a copy of a payment demand letter. 02-26-07 I received copy of payment demand letter which stated a balance of $26, 000 to reinstate the loan. 03/07 AMC sent two representatives from Titanium Solutions to my home to discuss possible solutions to avoid foreclosure. I was never informed that they were coming to my house so I was reluctant when asked to sign anything. I called AMC while they were still here, and AMC did not know anything about this meeting. 03/15/07 My water was turned off. 03/18/07 Seven on your side came to my home to hear my story, and interview me. 03/23/07 Received copy of Notice of Trustee Sale which will occur on 04/13/07. The notice stated that the amount of unpaid balance and other charges was $570,608.69. My initial loan was for $550,800.00. 03/26/06 I Spoke to Michelle from Reinstatement department of AMC regarding possible solutions to reinstate this loan. She said that if we pay them $25,000.00 down, she would reinstate the loan, but an additional $900.00 would be added to the monthly payments for the next 11 months. That would make the monthly payment $4800.00. I informed her that that was an unrealistic solution. I then asked if she would extend the foreclosure date. She stated that the only way AMC will extend the foreclosure date is if we send them proof that there is an interested buyer that has been approved for an amount which would satisfy the loan. She also said in addition to an approval letter, we would need to send a copy of the contract and HUD papers. 04/06/07 I Received another payment demand notice which stated a balance of $35,969.36. (An additional $10,000 in fees in just 1 month). April 5 2007 I receive copies of the documents that were Record though the Alameda County the document that I receive were all forge I have 20 pages all have been forge Deeds of Trust it looks like my name was white out, Also my name were forger on all the docs and Initials too. 04/06/07 Met with a real estate agent to list my property for sale. (This is as a last resort). 04/11/07 ERIC MUSIO, reinstatement dept AMC I informed Eric of my sale date of 4/13/07. After looking over closing package, sent to me by AMC, I noticed all inaccuracies, Eric informed me to fax the papers to him and he would forward them to the Office of the President, of Argent. He informed me to call the Argents office of the President the following morning and ask for Rick Roberts 04/12/07 Rick Roberts, Argent Office of the President When I asked Mr. Roberts for status, he informed me to contact the legal department for information. I left a message in the legal department. 04/12/07 Trish, Legal Department Called me to inform me that the sale date has been postponed for 30 days for investigation. 04/13/07 Reinstatement Department Confirmed 30 day extension, and asked for something in writing. New sale date is May 14, 2007. 04/16/07 Roxanne, Reinstatement Department, Asked what is going to happen in the next 30 days. She told me to call Argent, Office of the President for information. 04/16/07 Patricia, Office of the President Informed me that my file has not been assigned as of today, and to call Angie in the legal department, 888-311-4721, refer to file #170917 tomorrow. 04/26/07 Marc at Argent Informed me that the file was sent to the fraud department, and referred me to Eddie Misilli who handles fraud cases. At x 10213. He informed me that in these cases AMC will try to work with the Borrower. I told him we have not received any calls from AMC and have left several messages. 04/26/07 Eddie Miselli, fraud dept. x 10213 Left voicemail for Mr. Miselli to call back at 4:00 pm. 05/10/07 Marc VerPlanck Argent Mortgage 1-888-311-4721 Received an ID Theft package from Argent Mortgage to confirm that this was an ID theft. Mark stated that because the documents were forged that it makes it ID theft. there is more Nick alameda, California U.S.A.

All I did is ask for help I did not do noting wrong Hello if you can read this letter that is 100% I have recevie a police report stating that the broker has forges my documents for more money. I have send the report to the mortgage company now I have to get a respond. You can also see me in a video on 7 on your under mortgage fraud or in your search if you put nickramirez mortgage fraud you will find my stoys and where to find the video; You are a joke or only concern about your own needs. I am right by law you wrong if you are a certified professional and talking like this you need to find a soming to do beside llying and using the word trust me and I promise. BY LAW YOU ARE WRONG WHAT BANK DO YOU WORK FOR WE NEED TO TALK ABOUT YOUR RESPONDS YOU NEED TO BE CHECK TO SEE IF YOU HAVE ANY WRONGDOING THAT I BELIVE YOU DO . Now with all of the evidences and the wrongdoing and the misrepresentations with violations that have raised along fraud and engaging in unfair and deceptive acts. The law states that any certified professional that failed to make the required shall take prompt and appropriate disciplinary action. Also not to be unfair, deceptive, misleading or unlawful. All of the professional that are certified and licensed by the State are required to follow the rules with the best ability and fully encourage any parties in good faith This letter will give a detailed description of the reasons why this loan is an invalid loan and should be rescinded. This letter shows how I was taken advantage of by my broker; Ms. Shelly Poe, who was working for Pinnacle Financial at the time. Also listed below is a time-line account of the events which occurred while refinancing my home. Also included in this letter is a detailed account of all of the inaccurate information that was on my credit report. It is the responsibility of the broker to make sure that all of the adverse information on my credit report is correct at the time of the loan Forged documents On Friday April 5th, 2007, I received copies of the Deed of Trust that were recorded though the Alameda County. I discovered that my signatures and initials on all of the documents that I received were forged. In addition on the front page of the Deed of Trust, my name had been white out, and it look liked my name was then filled in with a pen. These were all dated on April 11, 2006 sealed with the official records of Alameda County under the name of Patrick O Connell. My signature was also forged on the Grant Deed as well. Ms. Shelly Poe, my broker signed the Grant Deed; her name was on it as the Notary Public April 17, 2006 She is the Broker not Notary Public. It states that she witnesses my signature on April, 17 2006. I never signed anything on April 17th. The only time I saw Ms. Poe was on April 11, 2006. On Monday April 9, 2007, I received my closing loan documents from AMC Mortgage Company. None of the documents I received from the Mortgage Company had been recorded through the County, but more important they were not the same as the copies that I had received from the County files. On the Deed of Trust, my name was typed in correctly with no sign of white-out used. These were not the same documents that I had signed on April 11, 2006. None of the signatures match my signature. To sum this up, the Broker submitted fraudulent loan papers to Argent Mortgage, and to the County to be recorded. Falsified or Fraudulent application. Ms. Poe falsified my monthly income on my loan application that I never received or fill out to Argent Mortgage without my knowledge. She said I was making $117,000.00 a year, when at the time I was in a wheelchair and unable to work due to an accident which occurred in Nov. 2005. As a result of my income being inflated, I received a Notice of Proposed Assessment from the State of California Franchise Tax Board, dated April, 17 2007, (also attached) stating that I owe $10, 556.24 in back taxes because they used the estimated income listed on my mortgage papers. Steering to High Rate Lenders In March 2006, I needed to refinance due to the financial hardship I was in because of the accident. At that time, I was ready to sign with World Savings. My monthly payment was going to be $1800.00. (See attached loan papers). Shelly Poe contacted me and stated she could get me a better loan. I trusted her because she had helped me with my previous loan with Option One. She told me not to worry about a thing; she would take care of everything. I never even filled out an application. In March 2006 I was approved for an adjustable rate mortgage with Argent Mortgage for $550,800.00 for 360 months. My principal balance prior to this refinances was $480,000.00 with a $2,600.00 monthly payment. Now my principal balance is $576,000 with a monthly payment of $3871.17. Out of the $90,000.00 of equity that has been taken out of my home, I only received $34, 000.00 cash out. Excessive Mortgage Fees To begin, in the Loan Payoff to Option One Mortgage, I was incorrectly charged $7,057.33 in Interest Per Diem from 02/01/07m 04/20/07. 79 days @ 89.33 per day. The reason why this is incorrect is because I was not late on my payments to them so the interest had already been paid to them. I was double charged. There is also a $1,772.76 Miscellaneous charge which has never been explained to me what that charge is. I was charged $12,864.00 in a pre-payment penalty, which I was never informed that I had to pay. In fact, Ms. Poe told me that I was not going to be charged a pre-payment penalty. I was charged $250.00 for the appraisal fee, which I had already paid out of pocket previously to the appraiser the day he came to my home. I was charged $495.00 for the processing fee and an additional $495.00 for the application fee. That should only be one fee for both. I was charged an underwriting fee of $799.00. Shouldnt all these fees been include in the Origination fees UNDERWRITING Means the process of approving or denying a loan based on an evaluation of the applicants creditworthiness and ability to repay the loan an Appraisal of market value of the residential property proposed to secure the loan It is the responsibility of the underwriter that the information is 100% This loan is so misleading and unfair. This is unacceptable pertaining to this loan. Along with the Parties involved. Below are the figures that are listed on the Truth in Lending disclosure from my current loan and future loans Ms. Poe tried to obtain for me. I am listing these figures to show you how she tried to put me in a financial situation that was not for my best interest. Truth in lending disclosure date March 31, 2006 Preliminary by Ms. Poe Truth in lending disclosure date April 11, 2006 Final by Ms. Poe Truth in lending disclosure date August 23, 2006 Preliminary by AMC Truth in lending disclosure date September 26 2006 Final by Ms. Poe 1 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - PRELIMINARY Documents Dated March 31, 2006 Loan Number 0096372958-9507. Annual Percentage rate (e) 10.636 %. Finance Charge $1,323,983.17 (e) Amount Financed $ 548,349.96 (e). Total of Payments $1,872,333.13 (e) With a payment of $ 4.333.14 Starting 05/01/2006 2 # Loan Applicant that Ms. Shelly Poe obtain TRUTH-IN-LENDING DISCLOSURE STATEMENT - FINAL Documents Dated April11, 2006 Loan Number 0096372958-9507. Annual Percentage rate 10.660 % . Finance Charge $1,382,219.56 Amount Financed $ 537,858.78 Total of Payments$ 1,920,078.34 With a payment of $ 3,871.17 Starting 06/01/2006 I applied for a loan with Applicant with AMC Mortgage Co Dated August 23, 2006 I was denied because I did not have an income. TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Loan Number 0152759783-2461 Annual Percentage rate (e) 10.044 % Finance Charge $1,267,133.42 (e) Amount Financed $ 559,958.78 (e) Total of Payments $ 1,827,092.20 (e) With a payment of $4,144.89 #4 Ms. Shelly Poe applied for a loan Applicant with AMC Mortgage Co TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY Dated September 26, 2006 Loan Number 0103494639-9507 Annual Percentage rate (e) 11.319 % Finance Charge $1,581,967.06 (e) Amount Financed $ 584,020.55 (e) Total of Payments $ 2,165,987.61 (e) With a payment of $4,848.22 Ms. Poe purposely structured these loans with monthly payments that she knew I could not afford. I feel she did this so I would have no choice but to default on the loan, then would have to turn to her for additional help, and then she could impose more fees and additional penalties. At this point, she already had me at 90% value, and knew that it would be very hard to refinance again. As a professional broker, licensed by the State of California, how could she in good faith have my best interest in mind when she tried to steer me into these loans. Negative Amortization My monthly payment of $3871.00 does not cover the monthly payment so my principal balance increases each month. In fact, according to my 2006 Mortgage Interest Statement (attached), only $154.00 went towards the principal balance. The remaining $3717.90 went to the interest. The amount I will have to pay after I have made all payments would be $2,165,987.61, which is almost four times what my house is worth. Inaccurate Credit Reporting For the last year I have been trying to resolve and correct errors on my credit report. I have provided all of the research and provided all necessary documents from the creditors stating all accounts were paid in full, along with copies of checks. I called day after day, week after week. I faxed, mailed & e-mailed. I have written about 200 letters or more. I paid for six of their online monitors services to help me fix their errors and inaccuracy on my credit report. I was asking for help and pleading for help for 11, months. I did not get the support or help that the customer services staff entitled me to. My accounts were not properly handled and my credit score was not correct. In addition, the Interest rate that has cost me thousands of dollars due to my incorrect score. We have the right to have the correct information reported on our credit report. I feel that I was mistreated by all three credit bureaus I even receive a letter from National Consumer Assistance Center from Experian saying they were going to take action against me . Why didnt they just help There has to be a reason why so much inaccuracy on my credit report. Jan 2006 I still had five accounts open; one was due to fraud and a 30-day late from Ocwen Bank, which was incorrect. There were also 38 inquiries, which were not valid. All of these accounts should have shown paid in full as of October 2005. This is when my nightmare with the credit bureaus began, and continues to this day. 4856 This account is not mine. I have called Cingular Wireless and they said that they going to send me a letter so I can take it to the police department it was never sent. I talked to Costumer Service about the bill and Costumer Service said that 4 phones were open on that account the address for the bill was 3023 Florida st in Oakland ca 94602. I have filed identify theft and place a fraud alert in my file with four credit bureaus. The fraud alert was only to be in effect for 90 days. I requested that the fraud alert be removed on September 25, 2006. Dinah Watson of Equifax Office of Executive Consumer Service send me email if I wanted the fraud alert to be removed from my credit it would be deleted just email her back and she would take care of the remover of the fraud alert. I did send her an email to remove it this has never been removed, and is causing me further stress when trying to apply for any additional credit. On 8/06 the four credit bureaus placed a fraud alert on my credit report again without my permission and still to this day it remains on my credit report. In this case it was not about fraud it was about bad reporting errors and inaccuracy inform on my credit report. Still the credit bureaus did not do what they were to do by law. Dont I have any rights? Also, about the Wells Fargo Visa I applied for. Looking over my credit report 9-9-2006 in this report it state that this wells Fargo account was open in 8-2006. I receive the secured credit card 8-28-2006. On this credit report it was update 9/2006 Balance $334.00 it does not add up how can I owe $334.00 in ten days. And on my credit report just like that. As if they knew that, I was late before I was even late. This is not fair or right. The bank intercepted the money and I never used the credit card. Not even once and I paid $ 300.Of my money to open this account for noting but a bad deal. Again in the hand of the top Credit Bureaus. I was informed by Dinah Watson of Equifax Office of Executive Consumer Service that a secured credit card would raise my score. I informed her by fax email and call when the card had been approved and got no confirmation that she had received my fax or did it improve my credit score. The bank intercepted the money and I never used my card. Therefore, by taking her advice, I am now further in dept. If this problem with my credit report been resolved nine months ago or two months ago my bank account would not have been overdrawn. On 03/28/06 I received a credit report by CBCinnovis. On this credit report my credit scores read as follows: Equifax 562; Trans Union 613; Experian 619. On 03/30/06, Argent Mortgage ran a copy of my credit report and my scores read Equifax 560; Trans Union 594; Experian 605. Equifax go down 2 points in two days. TransUnion 19 points in 2 days. Experian go up 14 points in 2 days Why did the mortgage use the credit report on the 3/30/ 06 and not the 3/28/06 with the better score only two day and it went down with Equifax 2 points and TransUnion 19 points and Experian 14 points Why did my credit score with Equifax go down 2 points and TransUnion down 19 points Experian went down 14 On these two credit report date 3/28/06 and 3/30/06 there are the same errors. AFNI. Account for $802 was showing past due that been paid in Oct 27 2005 in full Cingular wireless Account No. 18856. Was showing unpaid this was a fraudulent account, 30 days late. Ocwen Federal account 3174033 showing late that incorrect never was late .have letters from Ocwen paid as agreed for all months verifying from their research department with a satisfactory payment history with Ocwen and a apologizing letter and . Taken off in 8/06. 78 inquiries In April 2006 Equifax deleted all Experian and TransUnion deleted 50 or more. This number of Inquires on my consumers credit file has adversely affected the credit score. These Inquires affected my credit score and interest rate and still to this date on my credit report. Time-line of events which occurred from April 2006 until present April 2006 paid $3871.19 on time May 2006 - paid $3871.19 on time June 2006 - paid $3871.19 on time July 2006 - paid $3871.19 on time August 2006 paid $3871.00 on time. September 2006 Late on my house payment. Ms. Poe assured me that she was going to get me a loan where my monthly payment was going to be reduced to $1800.00, and I would receive approximately $30,000. I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,000.00 per month and get only $6,000.00 cash back. I told her that I would not accept that. 10-06-06 received a Notice of Intent to foreclose from AMC on November 7, 2006 reinstatement balance of $7795.94. 11-06 Received Notice of Default from AMC (you have copies of all notices I have received from AMC & Towne & Country Title Services. Inc.) 12-12-06 Met with a lawyer, Steven Small to review loan documents. He pointed out that Option One incorrectly charged interest at a rate of $80.00 per day for 02/06 04/06 for late payments. I was not late during that time. (See attached billing statements.) 01/15/07 I Spoke with representative from AMC on phone and she informed me that I would need to pay at least $5000.00 if I wanted to set up any type of repayment plan. She also informed me that AMC does not restructure their loans to add amount of default to the end of the loan. 02-15-07 Spoke to customer service reprehensive from AMC to request a copy of a payment demand letter. 02-26-07 I received copy of payment demand letter which stated a balance of $26, 000 to reinstate the loan. 03/07 AMC sent two representatives from Titanium Solutions to my home to discuss possible solutions to avoid foreclosure. I was never informed that they were coming to my house so I was reluctant when asked to sign anything. I called AMC while they were still here, and AMC did not know anything about this meeting. 03/15/07 My water was turned off. 03/18/07 Seven on your side came to my home to hear my story, and interview me. 03/23/07 Received copy of Notice of Trustee Sale which will occur on 04/13/07. The notice stated that the amount of unpaid balance and other charges was $570,608.69. My initial loan was for $550,800.00. 03/26/06 I Spoke to Michelle from Reinstatement department of AMC regarding possible solutions to reinstate this loan. She said that if we pay them $25,000.00 down, she would reinstate the loan, but an additional $900.00 would be added to the monthly payments for the next 11 months. That would make the monthly payment $4800.00. I informed her that that was an unrealistic solution. I then asked if she would extend the foreclosure date. She stated that the only way AMC will extend the foreclosure date is if we send them proof that there is an interested buyer that has been approved for an amount which would satisfy the loan. She also said in addition to an approval letter, we would need to send a copy of the contract and HUD papers. 04/06/07 I Received another payment demand notice which stated a balance of $35,969.36. (An additional $10,000 in fees in just 1 month). April 5 2007 I receive copies of the documents that were Record though the Alameda County the document that I receive were all forge I have 20 pages all have been forge Deeds of Trust it looks like my name was white out, Also my name were forger on all the docs and Initials too. 04/06/07 Met with a real estate agent to list my property for sale. (This is as a last resort). 04/11/07 ERIC MUSIO, reinstatement dept AMC I informed Eric of my sale date of 4/13/07. After looking over closing package, sent to me by AMC, I noticed all inaccuracies, Eric informed me to fax the papers to him and he would forward them to the Office of the President, of Argent. He informed me to call the Argents office of the President the following morning and ask for Rick Roberts 04/12/07 Rick Roberts, Argent Office of the President When I asked Mr. Roberts for status, he informed me to contact the legal department for information. I left a message in the legal department. 04/12/07 Trish, Legal Department Called me to inform me that the sale date has been postponed for 30 days for investigation. 04/13/07 Reinstatement Department Confirmed 30 day extension, and asked for something in writing. New sale date is May 14, 2007. 04/16/07 Roxanne, Reinstatement Department, Asked what is going to happen in the next 30 days. She told me to call Argent, Office of the President for information. 04/16/07 Patricia, Office of the President Informed me that my file has not been assigned as of today, and to call Angie in the legal department, 888-311-4721, refer to file #170917 tomorrow. 04/26/07 Marc at Argent Informed me that the file was sent to the fraud department, and referred me to Eddie Misilli who handles fraud cases. At x 10213. He informed me that in these cases AMC will try to work with the Borrower. I told him we have not received any calls from AMC and have left several messages. 04/26/07 Eddie Miselli, fraud dept. x 10213 Left voicemail for Mr. Miselli to call back at 4:00 pm. 05/10/07 Marc VerPlanck Argent Mortgage 1-888-311-4721 Received an ID Theft package from Argent Mortgage to confirm that this was an ID theft. Mark stated that because the documents were forged that it makes it ID theft. there is more Nick alameda, California U.S.A.

Nick, You do know that it's against the law in most states to provide FALSE information when applying for a home mortgage? You signed the loan application - you're responsible for the information on it. You admit here that you are self employed and that you're income information on the mortgage application was, to be polite, exagerated. In NY sir, that is a crime. You then fall behind in payments and somehow, the credit bureaus are to blame when the mortgage holder reports your late or non-existant payments. Further, you tell the bureaus you're not late (you say you told them it was incorrect) and they're out to hurt you because they won't change it. Tsk Tsk, what a victim. YOU COMMIT BANK FRAUD, can't pay, and somehow the bureaus are a rip-off because they won't change your credit report on your heresay! Amazing! If I were you, I'd stop posting to this report. If the mortgage lender discovers that you signed a FRAUDULANT mortgage application, you could find yourself being arrested and going to court for BANK FRAUD!!! You committ FRAUD and then whine about it when you can't pay??? You're a criminal sir, and if you're not careful you might become a convicted criminal.

If you work for a bank then what matter may be your bank need to be check out. Because from the begin you were wrong. I didnt lose my home and if I were you I would keep your sefl in a hole and not let no one who you are you need to think before you talk . Down below is all about you.you are one of the bad one. If we find out who you are maybe we will be nice to you. Your a joke or only concern about your own needs. . Go to 7 on your side look for nick ramirez at mortgage fraud you will see a video the truth and you will see me too Go and think about it Mr Banker You have provided misrepresentations unfair and deceptive remarks your fired? This is a letter to respond to the experience that I had with the Credit Bureaus and the Broker and the Mortgage Company. Let me intrudes myself I Nick would like to talk about the experience I had with The Broker and the Credit Bureaus with Respect to all Certified Professional's. I know there are a lot of good people that really do care and do their best. Just want to make this clear Also like to respond to the people who support me thank you very much God bless you all. To the people that responded with different options' based on the truth that they believe in and at the end they were all wrong. To think that some of these people are professional's leader's lawyers farther and mothers and with the remarks and answers or support that these people have provided. Need to think about the decisions' about business and real life solutions and some people think it a joke or only concern about their own needs. And to think that company with professional's that run big business use the system to take way from hard working people this is not right or fair in any way and it all about money. These professional's, are certified and licensed by the United State of America in good faith and entitled to do their job by law but for some reason these certified professional's are trying to get way by lying and using the word trust me and I promise. Now with all of the evidences and the wrongdoing and the misrepresentations with violations that have raised along fraud and engaging in unfair and deceptive acts. The law states that any certified professional's that failed to make the required shall take prompt and appropriate disciplinary action. There has to be something more the states or the government can do to help victims like myself from these professional's that are using the cover of the law. By not following the written instructions that are required and provide by law. Also not to be unfair, deceptive, misleading or unlawful. All of the professional's that are certified and licensed by the State are required to follow the rules with the best ability and fully encourage any parties in good faith. I am one of the lucky one that didn't lose his house but I did lose my credit worth .

What is your point? No I do not work for any of the Credit Bureaus. I work for a large bank and have worked with credit lending for about 10 years. If you falsified your loan application and did that to get a loan you could not afford how is that the Credit Bureaus fault? Your home is being foreclosed because you are behind. Period. Not because of what is on the credit report. I am sorry to see you are losing the home, but as I said in the first reply if you have any anger it could be directed at your lender not the CBRs. They don't make the stuff up.

I think you two respones need to get a life so many poeple are losing because look what your saying you are sick miss I am so confused that the problem you dont belong here that for sure. Steve - Bradenton, Florida are you sure you live in the u a s because what you are saying you should be the one in this matter you are a real sick one it look like you dont have a live loser. NAR, CRL Warn Consumers Not to Fall Prey to Predatory Lenders New Orleans, November 11, 2006 - The National Association of Realtors?, in partnership with the Center for Responsible Lending, introduced a new brochure today at the 2006 REALTORS? Conference & Expo titled, How to Avoid Predatory Lending. The brochure is the fourth in NAR's Shopping for a Mortgage? consumer education brochure series and the third in partnership with CRL. The increased availability of financing alternatives has helped many consumers become homeowners in recent years, but some of these owners will invariably lose their homes because they were the victims of predatory lending practices. The NAR brochure aims to help consumers understand these practices and avoid unscrupulous lenders. Responsible lenders play a vital role in helping people achieve their dream of homeownership, but that dream can turn into a nightmare when buyers are locked into a mortgage they have no hope of paying off,? said Thomas M. Stevens, NAR president from Vienna, Va., and senior vice president of NRT Inc. As the first point of contact in the real estate transaction, Realtors? can help their clients identify and avoid predatory lenders ? it's one important way Realtors? add value to the real estate transaction. Nearly all predatory lending occurs in the subprime market, and it can happen to people who are buying a home as well as to those who are refinancing their home. This market serves people with less than an ideal credit score, often due to short work histories, high debt, or late payment records. According to Harvard University's Joint Center for Housing Studies in its most recent State of the Nation's Housing report, more than 1 in every 10 mortgage holders in today's market are subprime borrowers. Subprime loans have helped millions of consumers become homeowners, but some lenders abuse their role and take advantage of vulnerable borrowers, Stevens said. How to Avoid Predatory Lending describes some characteristics and warning signs of predatory loans, including: High interest rates and fees, beyond what would be considered fair based on the buyer's credit history. Bait and switch tactics, in which unsuspecting buyers are offered an attractive loan only to encounter higher interest rates and fees at the closing table. High prepayment penalties that make it hard or impossible for a borrower to refinance to a lower cost loan. Inflated appraisals that help lenders hide excessive loan fees and result in the buyer owing more to the bank than his or her home is worth. The brochure also shows ways that consumers, in tandem with a Realtor?, can protect themselves when shopping for a loan, such as: Know your credit score, and ask for a copy of your credit report. Educate yourself about the lowest interest rates available, and ask the lender if you qualify for those rates. Learn everything you can about the loans offered, including terms, fees, monthly payments over time, prepayment penalties, and whether the loan is an adjustable- rate mortgage or a fixed-rate loan. Investigate the lender's reputation. With the explosion of mortgage products and loan options available today, consumers must educate themselves about their choices, and Realtors? are a valuable consumer resource, said Stevens. Realtors? help home buyers make what is often the biggest investment of their lives, but they also help their clients protect that investment. How to Avoid Predatory Lending is being distributed during the conference here through November 13. The brochure is available at the Housing Opportunities Program booth (#851) and is for sale online through the Realtor Store. To access the brochure online, visit http://www.realtor.org/housopp.nsf/pages/mortgages?OpenDocument. The National Association of Realtors?, The Voice for Real Estate, is America's largest trade association, representing more than 1.3 million members involved in all aspects of the residential and commercial real estate industries. ### NAR at a Glance Economic & Housing Indicators NAR Fact Sheet NAR Officer Bios REALTOR? Logo & Usage REALTORS? in the Community NAR Meetings Federal Policy Priorities Register for News! Sign up for the NAR listserv. Register now >

Nick, I have endured the pain of reading your entire report and have some conclusions and advice. First, you took a loan that you could not afford. If it was a bad deal, and things were falsified such as your income, etc. and you signed it. You accepted it. You have nobody to blame here but yourself. You should have walked away from this deal. Second, due to taking a loan you could not afford, you were constantly late which lowered your credit score. Again, this is the way it works. You pay late, you get a negative mark. Again, a choice you made. No ripoff here. Third, you were dealing with credit repair agencies, who in most cases can do absolutely nothing for you except take your money. Credit repair agencies and credit reporting agencies are two totally different things. There are only 3 major credit reporting agencies. They are Experian, Equifax, and Trans Union. You are entitled to one free credit report from each of these agencies every year. Then you can dispute false entries yourself, for free. There is no pulling out of this hole you are in now, as your score is too low to get another loan, and evn if you did, it would be a higher interest rate and monthly payment than you have now. My advice? Live in that home until they throw you out, and consider it a lesson learned. Go get an apartment you can afford and save money and fix your credit yourself. FYI. Opening a new credit card will actually hurt your score for usually 6 months until you have built a positive payment history. Good luck.

If your home is going into foreclosure, then your credit score is going to be low. So is your real problem with Ameriquest?? The credit bureaus don't "take your home" as you put it. They are only reporting what companies tell them about you. I guess I'm confused overall by the report to be honest.