Exhibit 99.4 Schedule 2

ALT Loan Number

Investor Loan Number

Client Loan Number

Servicer Loan Number

Servicing Notes Grade

Material Risks

Non-Material Risks

Borrower Contact Comments

Reason for Default Comments

Property Condition Comments

Foreclosure Comments

Bankruptcy Comments

Fraud Comments

Title Issues Comments

Tax Issue Comments

Litigation Comments

MI Claim Comments

Deceased Borrower Comments

Modification Comments

HAMP Comments

Repayment Plan Comments

Forbearance Comments

Deed in Lieu Comments

Short Sale Comments

SCRA Comments

Servicer Error Comments

448045

XXXX

The borrower frequently made one-time payments through the website, indicating regular interaction for payment processing. Notable events include a refusal to consent to data sharing on XX/XX/XXXX and XX/XX/XXXX, and continual updates on payment acknowledgments.

N/A

On XX/XX/XXXX, the borrower acknowledged reading fraud reduction tips on the website, suggesting awareness and proactive action against fraud. A similar acknowledgment was made on XX/XX/XXXX.

On XX/XX/XXXX, xx was shipped to XXXX for documentation updates, intending to be inserted before an xx recorded on XX/XX/XXXX.

On XX/XX/XXXX, the borrower paid the first half of town taxes for XXXX amounting to $XXX.XX. Subsequently, on XX/XX/XXXX, the second half was paid, amounting to $XXX.XX. Similarly, in XXXX, the first half taxes were paid on XX/XX/XXXX, amounting to $XXX.XX, and the second half on XX/XX/XXXX, for $XXX.XX.

N/A

658066

XXXX

On XX/XX/XXXX, an inbound call was received with the borrower requesting to convert the account to an LLC. They were advised that this requires refinancing, and the call was traXXerred to voicemail. Attempts to return the call were unsuccessful.

N/A

661249

XXXX

There were multiple interactions regarding asset management and insurance policy requirements. On X/XX/XXXX, the asset manager reached out to the borrower regarding the Master Condominium Policy requirements. A communication error was corrected within the same day with a follow-up email. On X/XX/XXXX, the borrower expressed disagreement during a call about payment, and no payment was made during this conversation.

There is no indication of default reasons, and the account seems contractually current with consistent payment notifications and billing statements being sent to the borrower.

N/A

On X/X/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. Again, on X/XX/XXXX, similar acknowledgment was made by the borrower indicating awareness towards fraud prevention strategies.

N/A

Taxes have been consistently paid from escrow to xx County at various intervals, including on X/XX/XXXX, XX/XX/XXXX, X/XX/XXXX, and X/XX/XXXX with wire instructions to XXXX. The payments include necessary duplication bill fees.

N/A

The borrower refused consent to share credit data with affiliates on X/XX/XXXX, X/XX/XXXX, X/XX/XXXX, and X/XX/XXXX for sharing private data.

480364

XXXX

Delinquent Taxes

On XX/XX/XXXX, an inbound call was received from the borrower regarding a cash call with property taxes included in payment. The borrower expressed concern over a bill indicating delinquency in property taxes. Their inquiry was transferred to a voicemail.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Several payments for county taxes were noted, including on XX/XX/XXXX for $XXX.XX and on XX/XX/XXXX for $XXX.XX, disbursed from escrow to xx County via XXXX.

N/A

585150

XXXX

Deceased Borrower

On XX/XX/XXXX, XXXX confirmed his payment status and inquired about setting up automatic payments, expressing concerns about XX fees while considering mailing payments to avoid them. XXXX passed away on XX/XX/XXXX, as confirmed by XXXX, who later communicated intentions to manage the home and loan payments.

There are several references to financial difficulties faced by XXXX, including discussions about delayed VA payments and the need for certified funds. On XX/XX/XXXX, XXXX mentioned he has lung cancer and is seeking VA assistance for treatment expenses, indicating health issues and related financial challenges.

There are multiple instances of property inspections ordered through XXXX as per investor guidelines, with specific dates such as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to ensure property status and condition compliance.

On XX/XX/XXXX, a fee notice mentions a cancellation of a foreclosure demand due to reinstatement on XX/XX/XXXX, showing proactive steps taken to manage potential foreclosure actions.

N/A

There are several references on XX/XX/XXXX to acknowledgment of tips on reducing fraud taken from the borrower website. Additionally, there are refusals to consent for sharing private and credit data with affiliates.

N/A

Taxes for xx County were paid on XX/XX/XXXX, in the amount of $XXXX.XX, indicating diligent management of tax responsibilities through escrow disbursement.

N/A

XXXX passed away on XX/XX/XXXX. XXXX inquired about retaining the home and was informed of the need to maintain loan payments. The Death Certificate was submitted on XX/XX/XXXX.

N/A

XXXX mentioned receiving help from the VA multiple times between January XXXX and April XXXX for payment assistance, indicating potential reliance on veteran assistance programs.

N/A

675909

XXXX

Regular communication with the borrower was maintained through payment creations and notifications. Important interactions include discussions with credit agents regarding verification issues, as noted on XX/XX/XXXX and XX/XX/XXXX, where the VOM request was addressed. Additionally, on XX/XX/XXXX, a Fee Notice was generated and sent to the borrower. The current settings on the website were updated several times, including changing billing statement preferences and notification alerts.

N/A

On XX/XX/XXXX and later on XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

County taxes were paid on XX/XX/XXXX and XX/XX/XXXX with amounts of $X,XXX.XX and $X,XXX.XX, disbursed from escrow to xx County tax office.

N/A

596866

XXXX

The last significant borrower contact occurred on XX/XX/XXXX, where ongoing issues with understanding payment due dates were discussed. More engagements followed, with attempts to resolve payment issues through promised additional payments from September through November. On XX/XX/XXXX, XXXX called to confirm a PO box address in xx, TX.

The borrower expressed difficulty in making payments due to family health issues. On XX/XX/XXXX, XXXX mentioned her father's hospitalization preventing her from making payments. Later on XX/XX/XXXX, she stated her son underwent heart surgery, further affecting her ability to pay, but committed to sending a payment by XX/XX/XXXX. Plans to catch up with payments were discussed, indicating financial strain within the household.

N/A

Throughout the financial hardship, foreclosure proceedings were kept at bay. On XX/XX/XXXX, an attorney demand letter was requested but later canceled as payments started coming in. The foreclosure task was historically canceled due to payment received for approximately X.X months on XX/XX/XXXX.

N/A

Taxes were managed without significant issues. Paid XXXX county taxes amounting to $XX.XX on XX/XX/XXXX, and XXXX county taxes amounting to $XXX.XX on XX/XX/XXXX, both disbursed from escrow and wired to XXXX for payment to the tax office.

N/A

994540

XXXX

On XX/XX/XXXX, an outbound call was made to the borrower, leaving a message on voicemail. On XX/XX/XXXX, an update was provided showing no modifications found for this loan. The most recent payment activity was on XX/XX/XXXX, noting the borrower is paid and current.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Several entries from XXXX to XXXX report the payment of city taxes to xx City, with amounts detailed for each quarter. For example, on XX/XX/XXXX, XQ taxes were paid, and on XX/XX/XXXX, XQ taxes were disbursed.

N/A

No loan modifications were found according to the update on XX/XX/XXXX.

N/A

933090

XXXX

On XX/XX/XXXX, XXXX contacted about monthly statements and refused consent to share private data. On XX/XX/XXXX, multiple calls were made regarding escrow shortage and late fees which were addressed by waiving fees and updating payment amounts. On XX/XX/XXXX, XXXX called to discuss setup of payment for escrow. On XX/XX/XXXX, XXXX called with questions regarding mortgage payment and statements.

N/A

On XX/XX/XXXX, it was noted that the borrower is paid and current, and their XXXX county taxes were exempt due to disabled vet and homestead exemptions. The XXXX county taxes will likely be exempt as well.

N/A

937870

XXXX

On XX/XX/XXXX, the borrower confirmed his account was current and discussed billing statements. The borrower is regularly contacted for payment updates and asks about payment changes when applicable. The latest query about payment increase was on XX/XX/XXXX.

In February XXXX, the borrower was informed that their payment increased due to escrow changes. The borrower had initially sent their old payment amount, resulting in an escrow short. They were given options to address the shortage. On February XX, XXXX, the borrower queried about the payment increase and expressed dissatisfaction.

N/A

Throughout XXXX to XXXX, county taxes were regularly paid and disbursed from escrow to xx County. The amounts varied across payments, with notable payments in March XXXX, December XXXX, March XXXX, November XXXX, and consistent updates regarding these transactions.

N/A

771917

XXXX

On XX/XX/XXXX, the borrower made an inbound call from XXX-XXX-XXXX to verify personal information and confirm living at the property address, XXXX XXXX, Apt XXX, xx, FL. The borrower inquired about the Homeowner Insurance payment and was informed it was paid in the amount of $XXX.XX.

N/A

On XX/XX/XXXX, the borrower acknowledged tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, a payment of $XXX.XX was made for county taxes in xx County, disbursed from escrow. On XX/XX/XXXX, another payment was made in the amount of $XXX.XX for XXXX county taxes.

N/A

498917

XXXX

On XX/XX/XXXX, borrower XXXX encountered issues making an online payment due to a disabled account. On XX/XX/XXXX, XXXX was informed that his account was blacklisted due to incorrect information and advised to set up a new bank account. Subsequent calls mostly revolved around bank account issues and payment confirmations, with one notable discussion on XX/XX/XXXX regarding insurance policy cancellation and another on XX/XX/XXXX about removing a borrower from the loan.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the website, exhibiting awareness of fraud prevention.

N/A

On XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX county taxes were paid from escrow, ensuring property tax obligations were fulfilled.

N/A

966085

XXXX

On XX/XX/XXXX, borrower requested EFT form due to payment change. Multiple contacts on this day focused on resolving payment shorting and updating electronic forms. Last borrower interaction on XX/XX/XXXX regarding assistance needed with website for bank account editing.

N/A

Acknowledged reading tips to help reduce fraud by the borrower on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

On XX/XX/XXXX, borrower provided new tax statement to adjust their loan payment. Subsequent payment adjustments and escrow analysis were completed, detailed communications between borrower and account officer.

N/A

520626

XXXX

The last notable contact was on XX/XX/XXXX when XXXX called to verify account details and intended to arrange bank wire payments. Previously, on numerous occasions from XXXX to XXXX, efforts to reach XXXX were made through outbound calls and emails, particularly addressing payment issues and setting up meetings, with XXXX often engaging in conversations about her financial situation.

In multiple interactions, borrower XXXX faced financial difficulties due to losing her job. This impacted her ability to manage loan payments, compounded by family and personal challenges, including relying on potential retirement funds. She was advised to consider drawing from a XXXk for assistance. Despite efforts for a repayment plan, XXXX reported depleting savings and inability to make single payments as of XX/XX/XXXX.

N/A

The foreclosure process on XXXX account went through numerous stages. Initially, foreclosure was canceled on XX/XX/XXXX due to reinstatement. Later, as financial issues arose, foreclosure proceedings restarted, including engaging attorneys and preparing legal documents. Numerous inspections indicated attempts to contact the property. Legal steps were persistent, yet repeated holds and cancellations occurred with financial payments bringing the loan current on XX/XX/XXXX.

N/A

Requests for title reports and reviews were noted, including on XX/XX/XXXX and XX/XX/XXXX, necessary for processing foreclosure-related legal affairs.

Accounts showed payments for county taxes, like those on XX/XX/XXXX and subsequent tax payments, reflecting diligence in maintaining property tax responsibilities.

N/A

In periods of financial strain, XXXX discussed possible loan modifications, with mentions of seeking assistance programs and reviewing hardship applications, especially as financial stress increased in late XXXX.

N/A

A repayment plan was initially active from XX/XX/XXXX; however, due to financial struggles, including job loss, the borrower could not sustain payments, resulting in the plan's deactivation by XX/XX/XXXX.

XXXX was informed about potential forbearance initiatives as she navigated through her job loss and financial difficulties.

N/A

796897

XXXX

Active Military

On XX/XX/XXXX, the borrower planned payments; making one tomorrow and another on the XXth of December, then two payments next month. Although many outbound calls resulted in no answer, significant contact was made with the borrower through various dates for payment arrangements and verification of account information.

N/A

On XX/XX/XXXX, a foreclosure demand letter was requested. Funds were received on XX/XX/XXXX related to the 'Foreclosure Demand Letter', requiring manual review. The demand was later canceled in the following days due to an established workout agreement.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the co-borrower acknowledged reading tips to help reduce fraud.

N/A

On XX/XX/XXXX, an annual escrow analysis was conducted revealing a shortage, and adjustments were made to spread the shortage over XX months. Similar analysis was conducted on XX/XX/XXXX, spreading over a new escrow constant. County taxes were disbursed in two instances: XX/XX/XXXX for $XXX.XX and XX/XX/XXXX for $XXX.XX.

N/A

A repayment plan started with arrangements to be current by January. Despite prior offers for two payments not being fulfilled, approvals for later payments included three payments in December XXXX. The borrower was due for a payment on XX/XX/XXXX, with a canceled demand and plans for two payments to be current next month.

N/A

On XX/XX/XXXX, a Servicemembers Civil Relief Act notice was uploaded to the print vendor.

N/A

957875

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower called regarding the August payment that was returned to them and planned to schedule payments online for August and September. Contact on XX/XX/XXXX, the borrower clarified their payment status and loan history, ensuring they were up to date. Another interaction on XX/XX/XXXX confirms a misunderstanding regarding payment amounts while acknowledging a hospital stay impacting payment timeliness, with the late fee discussed for waiver. The subsequent contact on XX/XX/XXXX addresses billing statement inquiries.

Throughout the records, the borrower faced a period where July's late fee was waived due to a bank processing error, indicating possible financial management challenges. The borrower also inquired about payment discrepancies and late fees on several occasions, demonstrating financial stress, though no direct keywords were matched from the Reason for Default guide.

The borrower was regularly updated about the homeowner's insurance renewal, effective from February XX, XXXX, to XXXX, and then from XXXX to XXXX. These renewals were accurately tracked and filed, ensuring compliance with the insurance requirements.

N/A

There are recurring mentions of property taxes requiring attention. The systems continually reminded the borrower about upcoming municipal tax dues, suggesting proactive management and updates around tax liabilities with indication of taxes being paid through certain years, as recorded on the XXXX website.

N/A

A servicer error occurred where the July late fee was waived due to a bank processing error. This was promptly addressed to ensure the borrower is not unfairly charged.

469078

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower reached out via a web inquiry requesting a copy of the mortgage interest statement Form XXXX. The customer service spoke with the borrower, verified details, and emailed the form.

N/A

On XX/XX/XXXX and XX/XX/XXXX, tips to help reduce fraud were acknowledged by the borrower on the Borrower Website.

N/A

Payments for county taxes were disbursed from escrow for XX County on several occasions, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

930852

XXXX

Active Bankruptcy,Deceased Borrower

On XX/XX/XXXX, the borrower XXXX contacted regarding billing statement discrepancies and questioned charges and fees worth $XXXX.XX. On XX/XX/XXXX, discussions regarding the late charges on the account resumed, with the aim of preparing for an agreed RNOFC. The borrower also frequently reached out regarding service matters such as EFT form requests received and logged throughout early XXXX. Continuous communication with legal representatives marked ongoing resolution procedures of outstanding issues.

N/A

Throughout XXXX and XXXX, there were multiple communications regarding foreclosure-related activities for the property. On July XX, XXXX, the foreclosure process was referred, and further references were made to MFR (Motion for Relief) figures requests in October XXXX. Multiple efforts were made to coordinate with legal counsel and respond to ongoing foreclosure proceedings. On December XX, XXXX, it was noted that the loan was due for X/X/XXXX with no fees, and a waiver was requested for non-recoverable fees to proceed with the agreed RNOFC, which was also filed on December XX, XXXX. The procedure closed with regular communications and waiver approvals.

The bankruptcy case was confirmed through multiple entries, dating back to a filing on October X, XXXX. Throughout XXXX and XXXX, numerous updates about the borrower's bankruptcy status were noted, including contact with legal representatives and procedural steps maintained via PACER checks. The trustee played an essential role in managing arrears, while several payment changes and reconciliations took place over time. In late December XXXX, efforts were made to file an agreed response for the final cure, indicating the case's progression.

N/A

Payments for town taxes from the escrow account were consistent throughout XXXX, XXXX, and into XXXX. Disbursements were made quarterly to xx Township for these property taxes, ensuring compliance with tax obligations.

N/A

On January X, XXXX, XXXX informed authorities of the passing of the borrower and co-borrower. Efforts were made on January XX, XXXX, to obtain death certificates and update company records to reflect their deceased status. Legal representatives collaborated to ensure the correctness of records and adjust proceedings as per the newly revealed status.

N/A

947984

XXXX

Title Issues - Open/Active

On XX/XX/XXXX, borrower introduced to a new asset manager for the loan account management. Frequent communications were documented addressing payments, insurance, and modification agreements. Latest contacts included confirming payment receipts and addressing a prior late fee issue.

The borrower faced curtailment of income due to reasons such as disability benefits and garnishment. Despite making multiple payments towards their mortgage trial modifications, challenges persisted that required active communication regarding income and payment arrangements.

The borrower indicated needing homeowners insurance and planned to address damage on the property. Improvements included roof repairs and trimming trees, which were delayed due to prior foreclosure activities.

Initial foreclosure proceedings were set up with a judgment entered, but the process was suspended while loan modification and loss mitigation efforts were underway. The foreclosure was eventually cancelled after modification and the payment status stabilized.

The borrower filed Chapter XX bankruptcy multiple times, with cases being dismissed, influencing payment plans and modifications. The recent dismissal was effective from XX/XX/XXXX, impacting the loan status and requiring adjustments.

Acknowledged by the borrower for fraud prevention practices via their online account settings, there were no additional fraud comments or alerts recorded during the period.

Title issues involved a mismatch involving a deceased property owner, requiring adjustments and clarifications regarding property rights as per previous records.

County taxes were paid multiple times from escrow funds for xx County. This involved large disbursements, confirmed payments, and external payment facilitation.

Case statements included declarations regarding orders for dismissals and denial hearings. The records showed efforts to address legal proceedings and mitigate implications on the mortgage.

N/A

The borrower actively underwent a trial modification process with varying terms, eventually leading to completed permanent modification effective from XX/XX/XXXX. Communication covered escrow, FPI considerations, and loan structure.

N/A

The borrower consistently worked with trial payments as part of an agreed repayment plan, with deviations actively corrected.

N/A

There were inquiries regarding previous servicer late charges and confirmations if they would be considered in current payment adjustments. This was ultimately forgiven within the modification.

383374

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX was contacted regarding payment posting issues and insurance hiccups causing late fees. The situation was updated, and she was provided with a HUD-approved housing counselor contact. On XX/XX/XXXX, XXXX inquired about PMI removal requirements during an incoming call. System setup was explained regarding automatic PMI removal conditions.

N/A

Throughout XXXX and XXXX, the borrower disbursed funds from escrow to pay county taxes, specifically to XX county. Payments were wired to XXXX for the tax office in amounts exceeding $X,XXX. Tax documents for the year end were uploaded to print during January XXXX.

N/A

Repayment plans were discussed with XXXX on XX/XX/XXXX regarding escrow shortages spread over a period of XX months with a new escrow constant being effective on XX/XX/XXXX.

N/A

971411

XXXX

On XX/XX/XXXX, the next payment due was noted for XX/XX/XXXX, continuing the regular monthly payments which have been consistently made during this period. Earlier, on XX/XX/XXXX, a regular payment was confirmed.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the customer acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Payments made for county taxes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with funds disbursed from escrow and wired to XXXX for payment.

N/A

561101

XXXX

On XX/XX/XXXX, the borrower requested account status updates via email and made a payment of $XXX.XX on the same day. The last contact was on XX/XX/XXXX when the borrower created a one-time payment online for the amount of $XXX.XX.

N/A

On XX/XX/XXXX, a foreclosure sale was set for XX/XX/XXXX. By XX/XX/XXXX, the account was made current, and a request to cancel the sale and withdrawal from foreclosure was sent to the attorney. On XX/XX/XXXX, the foreclosure was officially canceled due to reinstatement.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, the Xnd half of XXXX county taxes amounting to $XXX.XX was paid, and on XX/XX/XXXX, the Xst half of XXXX county taxes amounting to $XXX.XX was disbursed from escrow. On XX/XX/XXXX, the Xnd half of XXXX taxes were paid in the amount of $XXX.XX, and on XX/XX/XXXX, an amount of $XXX.XX was paid for the Xst half of XXXX taxes.

N/A

On XX/XX/XXXX, the account was marked as current with the next due date set for XX/XX/XXXX. A repayment plan was completed as of the same date, which included a $XX,XXX payment made by XX/XX/XXXX and six successive monthly payments of $X,XXX.XX.

N/A

487817

XXXX

On XX/XX/XXXX, customer refused consent to share personal data with affiliates and external entities. Continues monthly payments throughout XXXX, with refusal repeated on XX/XX/XXXX and XX/XX/XXXX.

N/A

Acknowledged reading tips to help reduce fraud on XX/XX/XXXX and again on XX/XX/XXXX by user XXXX.

N/A

Taxes for the first half of XXXX were paid on XX/XX/XXXX, the second half on XX/XX/XXXX, and for XXXX, the first half was paid on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the payment arrangement was modified and later deactivated with the original start date of XX/XX/XXXX.

N/A

790288

XXXX

The borrower frequently made payments through the Borrower Website. On XX/XX/XXXX, there was a phone call about taxes with communication continuing about the issue until it was resolved. Continuous updates on payments and adjustments were shared via email.

N/A

In November XXXX and December XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, it was identified that the XH of the XXXX taxes were unpaid resulting in a late fee, which was addressed by coordinating a reissue of the tax payment. The XH taxes for XXXX/XX were subsequently paid on XX/XX/XXXX, and taxes were continually managed into XXXX.

N/A

360443

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX XXXX inquired about tax payments and servicing details. She was informed about the late fee issue on XX/XX/XXXX. Regular follow-up was conducted regarding insurance claims and repairs, culminating on XX/XX/XXXX when XXXX confirmed the insurance checks were finally sent to the contractors.

N/A

Several interactions between XXXX and service agents occurred regarding an insurance claim. On XX/XX/XXXX, county taxes were paid from escrow. XXXX, working as an adjustor, discussed the claim adjustments and the need for before, during, and after pictures of the repair process. The claim compensation included two checks totaling $XX,XXX.XX, which were sent to XXXX. Further verification, including checks and a satisfaction letter, was required to disburse the claim funds.

N/A

XXXX acknowledged reading tips on how to reduce fraud on XX/XX/XXXX and XX/XX/XXXX.

N/A

On XX/XX/XXXX, $XXXX.XX was disbursed from escrow to pay the XXXX county taxes to xx.

N/A

A Step Rate Modification is noted as completed on XX/XX/XXXX.

N/A

631165

XXXX

Active Military

On XX/XX/XXXX, there was a successful contact with the borrower regarding information verification and repayment terms. On XX/XX/XXXX, further discussion occurred regarding attempts to be current by December. More regular contact was attempted from December XXXX onwards, urging the borrower to respond.

N/A

On XX/XX/XXXX, a property inspection was ordered as per investor guidelines. An inspection completed on XX/XX/XXXX confirmed the occupancy status as 'Occupied'. Further inspections were conducted with similar confirmations on XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, funds were received on a loan with a Recovery Strategy labeled 'Foreclosure Demand Letter', requiring manual review. On XX/XX/XXXX, there was an FC task executed to cancel demand due to a workout. On XX/XX/XXXX, a foreclosure demand letter was again requested, but an FC task was executed to cancel the demand due to a workout after double payments were made in January.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

Payments for county taxes were made, with $XXXX.XX paid to xx County on XX/XX/XXXX for XXXX XH period, $XXXX.XX for XXXX XH on XX/XX/XXXX, and XH paid on XX/XX/XXXX. The XXXX XH taxes of $XXXX.XX were paid on XX/XX/XXXX.

N/A

Several payments were made by the borrower as part of workout plans. On XX/XX/XXXX, terms for an RP were communicated where the borrower would pay two payments in April certified funds, then continuing with a monthly payment plan. Further workout discussions were recorded with consistent payments noted until current in XXXX.

N/A

On XX/XX/XXXX, discussions were held about a repayment plan where the borrower agreed to make two payments in April, followed by monthly payments of $XXXX.XX until current over five months. By February XXXX, the borrower noted proximity to being current following double payments intervention.

N/A

On XX/XX/XXXX, a servicemembers civil relief act notice was uploaded to the print vendor.

N/A

893992

XXXX

On XX/XX/XXXX, the borrower contacted the service to inquire about payment requirements. Multiple payment notifications were sent throughout the year, ensuring regular updates to the borrower regarding billing and payment details.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the website.

N/A

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, payments for county taxes were made to xx County, disbursed from escrow.

N/A

695912

XXXX

On XX/XX/XXXX, the borrower XXXX verified the last four digits of their SSN and property mailing address and requested a XX-month loan history which was emailed securely on the same day.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Throughout XXXX and XXXX, town taxes were paid to xx in various amounts, disbursed from escrow and wired to XXXX.

N/A

517317

XXXX

The last documented contact with the borrower was on XX/XX/XXXX. XXXX XXXX called to discuss a change in payment due to escrow shortage, confirming his consent for a one-time payment and the updated monthly payment starting in April.

N/A

On XX/XX/XXXX, Franklin Boyd acknowledged reading tips to help reduce fraud on the Borrower Website, emphasizing the importance of fraud awareness and prevention.

N/A

Throughout the account history, property taxes have been regularly paid from the escrow account by wiring funds to XXXX for payment to the tax office. For example, on XX/XX/XXXX, city taxes were paid in the amount of $XXXX.XX.

N/A

On XX/XX/XXXX, XXXX authorized a one-time payment to correct escrow and confirmed the adjusted monthly payment going forward, demonstrating involvement in a payment modification process.

N/A

683917

XXXX

On XX/XX/XXXX, a payment was made and a follow-up email confirmed the receipt of payment. Numerous payment acknowledgments indicate regular borrower interaction, the last significant one being on XX/XX/XXXX concerning payment updates. Regular reminders and payment encouragement were through emails and phone calls.

N/A

Throughout the specified period, escrow disbursements were made to pay Utah county taxes for the years XXXX and XXXX. The taxes were paid and funds were wired to XXXX for payment to the tax office, ensuring that the taxes remained current.

N/A

Multiple instances of the borrower rejecting consent to share private and credit data with XX and outside entities were noted, with version updates acknowledged via the web.

529321

XXXX

On XX/XX/XXXX, XXXX XXXX inquired about incorporating escrow short into their April payment. On XX/XX/XXXX, XXXX reached out via email regarding PMI and escrow balance. The last payment details were confirmed on XX/XX/XXXX regarding homeowner's insurance disbursement.

N/A

844348

XXXX

On XX/XX/XXXX, an email was sent to the borrower regarding a reversed payment due to insufficient funds. On XX/XX/XXXX, an outbound call was made to discuss payment reversals, but no answer was received and no voicemail was available.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website. Another acknowledgment occurred on XX/XX/XXXX.

N/A

Throughout XXXX and XXXX, taxes were paid from escrow for utility and city taxes to xx City and County. Notable payments include $X,XXX.XX for city taxes on XX/XX/XXXX and $XXX.XX for county taxes on XX/XX/XXXX.

N/A

954052

XXXX

On XX/XX/XXXX, XXXX, the borrower, called to check on the progress of waiving late fees and was advised that inquiries were in process. On XX/XX/XXXX, XXXX called to discuss late fees and was given advice on timely payment processing. He also contacted on XX/XX/XXXX to discuss an escrow shortage and was informed about a payment increase. On XX/XX/XXXX, XXXX inquired about his End of Year statement and was advised it would be sent by January XXst. On XX/XX/XXXX, XXXX was informed of a payment change due to increased taxes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Throughout XXXX and XXXX, county taxes were paid and disbursed from escrow. For XXXX, the first half taxes amounting to $X,XXX.XX were wired to xx County on XX/XX/XXXX, and the second half amounting to $X,XXX.XX was also settled. In XXXX, the first half amounting to $X,XXX.XX and the second half with the same amount were disbursed from escrow.

N/A

On XX/XX/XXXX, there was an inquiry about collecting an April payment from a previous servicer, highlighting a service traXXer issue. On XX/XX/XXXX, late charges were waived, and payments reversed after it was noted the loan should not have been delinquent.

727431

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX called in to make a payment towards late charges and inquired about the change in payment amount. She was informed about the increase in HOI and expressed that there was no option on the website to indicate payment towards late fees. After processing a check by phone payment, the call ended.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website.

N/A

On XX/XX/XXXX, XXXX XH county taxes of $XXX.XX were paid to xx County from escrow. On XX/XX/XXXX, XXXX XH county taxes of $XXX.XX were also paid to the same county. XXXX XH county taxes of $XXX.XX were paid on someone disbursed from escrow on XX/XX/XXXX.

N/A

498669

XXXX

On X/X/XXXX, a call was made to XXXX XXXX discussing an email sent regarding delinquent taxes. On X/XX/XXXX, XXXX confirmed sending proof of payment for taxes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the borrower website while refusing consent to share private data with affiliates and outside entities on the same date. This acknowledgement was repeated on X/XX/XXXX.

N/A

On X/X/XXXX, the borrower was informed via email of delinquent taxes amounting to $X,XXX.XX for XXXX. By X/XX/XXXX, the proof of payment was received and forwarded to the tax department. Subsequently, it was noted on X/XX/XXXX that taxes were paid through XXXX/XXXX. On X/X/XXXX, it was confirmed that taxes for XXXX/XXXX were paid, with upcoming dues set for XX/XX/XXXX and X/XX/XXXX.

N/A

616309

XXXX

On XX/XX/XXXX, contact with the borrower confirmed account dues and discussed payment plans. The borrower was informed about a necessary payment for October and November, which they agreed to address.

No comments related to reasons for default were found in the provided records, despite the inclusion of several billing statements, payment creation notices, and communications between the borrower and the lending institution.

A property inspection was completed by XXXX, as noted on multiple occasions, but no specific damage or property condition issues are mentioned in the recorded comments.

An "Approved XX day Letter" was noted several times throughout the records indicating warning notices of possible foreclosure proceedings. There is no mention of foreclosure actions being initiated or proceeded with.

N/A

The borrower acknowledged reading tips to help reduce fraud on the website, but no specific incidences of fraud or suspicions of fraudulent activity were reported.

N/A

Payments for county taxes were recorded in December, both in XXXX and XXXX, indicating escrow disbursements for these payments. No issues were noted regarding delinquent taxes or tax-related problems.

N/A

Records showed the modification and deactivation of a payment arrangement on multiple dates between November XXXX and January XXXX. However, specific comments about loan modification processes were not noted.

N/A

A repayment plan was agreed upon with details including a plan start date, the first payment due date, and original payment amounts in November XXXX. The arrangement included payments through early XXXX to address a delinquency.

N/A

There were issues noted regarding the borrower's access to their account, suggesting a possible error. Communication between the borrower and servicer indicated ongoing problems that were addressed by email.

614238

XXXX

On XX/XX/XXXX, XXXX sent an email inquiring about the receipt of a real estate bill. On XX/XX/XXXX, an outbound call was made, leaving a message about the account still due for September.

N/A

On various dates, taxes were paid from escrow: town taxes on XX/XX/XXXX, school taxes on XX/XX/XXXX, county taxes on XX/XX/XXXX, town taxes on XX/XX/XXXX, school taxes on XX/XX/XXXX, and county taxes on XX/XX/XXXX. These payments are made to the respective tax departments and school districts.

N/A

741078

XXXX

On XX/XX/XXXX, XXXX called regarding payment receipt; confirmed and the call ended happily. On XX/XX/XXXX, XXXX discussed upcoming payments and strategies to catch up. She planned higher payments to become current. On XX/XX/XXXX, she contacted to check on payment status and was informed about her payment posting status. XXXX had a detailed conversation on XX/XX/XXXX about her outstanding dues, determining why there was no money in the unapplied (UA) account, followed by her decision to evaluate her finances later. Subsequent payment confirmations led to a broader discussion with XXXX in October about the requisite approach for achieving account currency, involving alternate payment scheduling. Further interactions in November highlighted her strategic payment approach to regain financial currency, while confirming recent HUD information.

N/A

704051

XXXX

On X/X/XXXX, XXXX called to confirm his payment was made, and the conversation verified payment details with his last four SS digits confirmed. Call concluded with a thank you after confirming no payment was due until X/X/XXXX.

N/A

On XX/XX/XXXX, the user XXXX acknowledged reading tips to help reduce fraud on the Borrower Website and on X/XX/XXXX, this action was repeated by the user.

N/A

On XX/XX/XXXX, a payment of $XXXX.XX was made for XXXX county taxes to xx County, and on XX/XX/XXXX, a payment of $XXXX.XX was made for XXXX county taxes, both disbursed from the escrow account and wired to XXXX for the tax office.

N/A

360077

XXXX

Inquiries regarding the homeowner insurance (HOI) payment surfaced on multiple occasions. On XX/XX/XXXX, XXXX confirmed the payment for HOI was sent, though concerns about non-cashing of the check required further follow-ups with insurance providers. On XX/XX/XXXX, XXXX queried property tax payments, which led to reviewing the account history and communicating the resolutions. Other contacts involved concerns over the adjustment of escrow analysis and payment confirmations.

Throughout the provided comments, there are traces of dialogues that point towards challenges such as insufficient funds and changes in financial situations. Borrowers have inquired about supplemental plans to pay off accounts, indicating possible financial difficulties.

N/A

On XX/XX/XXXX, customer acknowledged reading fraud reduction tips. The borrower consistently refused consent to share private data with affiliates and external entities on various occasions, indicating concerns about data privacy.

N/A

Property taxes for XXXX were paid on XX/XX/XXXX, but were initially missing from the end-of-year statement, leading to borrower inquiries that were later resolved. Taxes for XXXX paid on XX/XX/XXXX appear without issues.

N/A

431254

XXXX

On XX/XX/XXXX, an inbound call from borrower XXXX XXXX was received for account discussion and payment setup. On XX/XX/XXXX, another inbound call from XXXX resulted in discussing PMI removal figures.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the website. On XX/XX/XXXX, again acknowledged reading tips to help reduce fraud.

N/A

XXXX utility taxes of $X,XXX.XX paid to xx county xx on XX/XX/XXXX. XXXX county taxes of $X,XXX.XX paid on XX/XX/XXXX. XXXX utility taxes of $X,XXX.XX paid to xx county xx on XX/XX/XXXX. XXXX county taxes of $X,XXX.XX paid on XX/XX/XXXX. On XX/XX/XXXX, year-end tax documents for XXXX were uploaded to print vendor.

N/A

344687

XXXX

The borrower frequently updated billing preferences and managed payments. On XX/XX/XXXX, a detailed email was sent to the borrower about an increase in monthly payment due to escrow changes, which had thus far led to monthly shortages. A follow-up email was sent on XX/XX/XXXX, discussing the overdue amount and advising the borrower to update the automated payment amount to avoid future shortages.

N/A

Throughout XXXX, taxes were consistently paid to the Brooklyn Borough with disbursements from escrow. Notable payments include $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX and XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX. Into XXXX, similar payments were made with quarterly tax payments of approximately $XXXX.XX each. These continued into XXXX to maintain the tax payments up to date.

N/A

586457

XXXX

There have been frequent interactions with XXXX, with calls confirmed by XX, details verified, and payments processed on several occasions, from XX/XX/XXXX to XX/XX/XXXX. The latest contact was on XX/XX/XXXX, with payment verification carried out twice.

N/A

Throughout the period, taxes have been consistently paid from escrow, including county taxes in Delaware to the tax office with amounts such as $XXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and continuing through each tax year with borough and school taxes. Tax documents for the year were uploaded on XX/XX/XXXX.

N/A

898678

XXXX

Deceased Borrower

Throughout the document, interactions with borrower XXXX are consistent, involving verification of personal information and transaction details for regular monthly payments. XXXX contacted via phone numerous times, notably on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to verify and discuss ongoing payments. The last documented contact occurred on XX/XX/XXXX, verifying contact information and discussing auto-payment setup.

N/A

Throughout the document, there are multiple references to tax payments disbursed from escrow to xx County for parcels numbered XXXXXXXXXXXXXXX and XXXXXXXXXXXXXXX. Payments were made for half-yearly county taxes covering various periods including the second half of XXXX and the first half of XXXX, showcasing the mortgage account's adherence to tax payment schedules.

N/A

On XX/XX/XXXX, there is a comment stating that the borrower is deceased, with nobody listed in contacts to intervene or inquire further. The document queries who will respond with the contacts after the borrower's passing.

N/A

358632

XXXX

On XX/XX/XXXX, the borrower called to make a payment and decided to wait until April. On XX/XX/XXXX, XXXX inquired about the next due date. On XX/XX/XXXX, XXXX discussed escrow needs and late payment adjustments. On XX/XX/XXXX, XXXX discussed a pipe leak and insurance claim resolution. Finally, on XX/XX/XXXX, XXXX confirmed the return of an endorsed insurance check.

N/A

On XX/XX/XXXX, the borrower reported a leak from a pipe and filed an insurance claim. He received a check from the insurance company for approximately $X,XXX. Instructions were given to manage the check signing process. On XX/XX/XXXX, the borrower confirmed receiving the endorsed insurance claim check. The check was in the amount of $X,XXX.XX, endorsed on XX/XX/XXXX and returned to the borrower.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Taxes for Forsyth County were paid from escrow on XX/XX/XXXX in the amount of $XX,XXX.XX, and again on XX/XX/XXXX for $XX,XXX.XX.

N/A

On XX/XX/XXXX, borrower was unaware of a payment change effective in June XXXX due to a previous EFT setup. The new payment amount was discussed, and adjustments were made to avoid falling behind. A request was made to waive late charges as a courtesy.

N/A

738955

XXXX

The borrower consistently made one-time online payments, with updates and confirmations sent via email, showing regular interactions. Recent consent refusals recorded in February XXXX and January XXXX.

N/A

In January XXXX, the borrower acknowledged tips to reduce fraud on the website. This behavior continued into January XXXX, indicating ongoing awareness of fraud prevention measures.

N/A

On December XX, XXXX, and November XX, XXXX, property taxes were paid to xx County from escrow. Year-end tax documents for XXXX were uploaded on January XX, XXXX.

N/A

630429

XXXX

On X/XX/XXXX, contact was made with XXXX at his cellular number, discussing EOY numbers for taxes. On XX/X/XXXX, XXXX called to inquire about an insurance discrepancy, which was resolved by confirming payment of the remaining balance. Last contact on XX/XX/XXXX involved updating his online payment and addressing an escrow shortage of $XX.XX, which was subsequently paid.

N/A

On XX/XX/XXXX, XXXX parish taxes were paid in the amount of $X,XXX.XX to Ouachita Parish, disbursing funds from escrow. On XX/XX/XXXX, the XXXX parish taxes were paid in the amount of $X,XXX.XX, and funds were wired to the tax office. On X/XX/XXXX, a refund of $XX.XX was received from XXXX due to the overpayment of the XXXX parish tax year, credited to escrow.

N/A

726350

XXXX

Active Bankruptcy

On XX/XX/XXXX, XXXX confirmed his new policy and details around the insurance refund and payment process. He was asked to have his insurance company contact them for payment issues as the account was escrowed, preferring to handle it personally.

N/A

On XX/XX/XXXX, XXXX called to discuss the increase in payment due to escrow shortage caused by a $XXXX rise in homeowner's insurance, highlighting concerns typical in bankruptcy discussions.

On XX/XX/XXXX and again on XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud, also refusing consent to share personal and credit data with affiliates and outside entities.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid totaling $XXXX.XX, disbursed from escrow. Similarly, on XX/XX/XXXX, $XXXX.XX was disbursed for the XXXX county taxes.

N/A

465078

XXXX

On XX/XX/XXXX, contact attempts continued throughout September, with discussions involving loss mitigation options and repayment plans with XXXX. On XX/XX/XXXX, an email was sent with loss mitigation details.

On XX/XX/XXXX, it was noted that the borrower faced a hardship due to XXXX being diagnosed with prostate cancer, which led to a reduction in income due to loss at work.

Various property inspections indicated the property was occupied, with multiple inspections completed, including exterior and occupancy verifications.

The foreclosure process was initiated with an attorney assigned on XX/XX/XXXX. A foreclosure hold was placed on XX/XX/XXXX due to a loss mitigation review and finally was discontinued on XX/XX/XXXX as the borrower entered a repayment plan and was paying accordingly.

N/A

Throughout XXXX and XXXX, multiple assignments of mortgage (AOM) and corrective assignments were processed to ensure a clear title chain, including requests for recording corrections and reviews for compliance.

Town taxes for XXXX, XH and XH, were paid on XX/XX/XXXX and XX/XX/XXXX, ensuring property taxes were kept up to date.

N/A

A loan modification attempt was recorded on XX/XX/XXXX but was denied by XX/XX/XXXX due to the borrower's non-response and the offer being withdrawn.

N/A

The borrower entered into a X-month repayment plan starting in March XXXX, with payments of $X,XXX.XX. By August XXXX, the foreclosure was discontinued as the borrower was on track with the repayment plan.

N/A

780745

XXXX

Throughout various communication logs, XXXX regularly contacted to make mortgage payments and discuss her loan modification, using both her and a friend's phone number. The consistent interaction was maintained through XXXX and XXXX, with acknowledgments of potential mortgage assistance programs. For instance, on XX/XX/XXXX, XXXX inquired about payment timing post-Xst of the month.

N/A

Throughout the interactions, taxes for xx County were paid from escrow, with transactions recorded on various dates, totaling $XXX.XX in XXXX, and $XXX.XX for the XXXX Xst half. There was an annual escrow analysis conducted on XX/XX/XXXX, resulting in a surplus of $XXX.XX returned to the borrower, and a shortage of $XX.XX identified on XX/XX/XXXX, spread over XX months.

N/A

XXXX made inquiries about loan modifications, confirmed the new maturity date in a call on XX/XX/XXXX, related to a fixed-rate modification effective from XX/XX/XXXX.

N/A

403739

XXXX

On XX/XX/XXXX, XXXX inquired about an insurance claim related to storm damage. Extensive interactions occurred during the repair process, including inquiries about the contractor's competence and subsequent documentation requests. Over the several months, XXXX frequently confirmed transaction details and solicited assistance regarding ongoing repair work. The last significant discussion noted was on XX/XX/XXXX, when XXXX verified his details and authorized the processing of payment, indicating continuous engagement and progress.

N/A

The insurance claim process was prominent, with XXXX reporting damage caused by a tree to the roof and kitchen among other areas, possibly exceeding $XX,XXX. On XX/XX/XXXX, xx was advised to submit required documents for claim processing. By XX/XX/XXXX, XXXX communicated that documents concerning the roof and tree removal were mailed. Following a series of emails, it was noted that the insurance claim check was deposited by XX/XX/XXXX, with a sum of $XX,XXX.XX. A disbursement process began, involving multiple payments tied to the completion of various repair stages. These payments were coordinated after inspection evidence such as photos and a satisfaction letter were received and reviewed. Repairs spanned over several months, with the final disbursement being approved on XX/XX/XXXX and the check being sent on XX/XX/XXXX.

N/A

Taxes for the property were handled efficiently, with all dues paid and up to date through the XXXX tax year, based on observations recorded on XX/XX/XXXX.

N/A

The loan modification was audited on XX/XX/XXXX, confirming a clean audit with the loan having a fixed rate since the modification on XX/XX/XXXX.

N/A

936263

XXXX

Last noteworthy interactions occurred on XX/XX/XXXX, where the borrower refused consent to share private and credit data with affiliates, and on the same date, there was an inquiry regarding the loan information status via an inbound web inquiry. Another refusal to share data with affiliates occurred on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website, indicating precautionary measures against fraud were noted. Similar acknowledgment was made on XX/XX/XXXX.

N/A

Payments for town taxes were periodically disbursed from escrow to xx Town, with payments noted of $XXXX.XX on XX/XX/XXXX and $XXXX.XX on XX/XX/XXXX. Another payment was made for the amount of $XXXX.XX on XX/XX/XXXX. Additionally, there was a mention of a surplus from an escrow analysis on XX/XX/XXXX, which was returned to the borrower.

N/A

653491

XXXX

Active Bankruptcy

On XX/XX/XXXX, a call was received from XXXX regarding a payment not processed. Several conversations occurred in March XXXX regarding his account and payments. On XX/XX/XXXX, XXXX called about a late fee and scheduled payment. He continued to confirm payments over subsequent months until the last recorded contact on XX/XX/XXXX regarding a payment setup.

N/A

On XX/XX/XXXX, a comment was made noting the borrower’s account ending in XXXX for xx purposes.

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

On XX/XX/XXXX, county taxes for the first half of the year were paid to XX County, and on XX/XX/XXXX, taxes for the second half were paid. In April XXXX and October XXXX, taxes were also disbursed from escrow for payment to XX County.

N/A

On XX/XX/XXXX, a third-party corporate advance fee of $XXX.XX was waived, as it was assessed in error.

393017

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower was contacted and advised about late charges due to a payment posting delay. The same date involved a conversation where account details and the need for the account to be current were discussed. Recently, on XX/XX/XXXX, contact was made, and the borrower discussed addressing an escrow shortage payment using multiple online transactions.

N/A

In October XXXX, county taxes for the amount of $XXXX.XX were paid to xx County, disbursed from escrow, and processed via wire traXXer to XXXX. Subsequently, in October XXXX, another payment of $XXXX.XX for county taxes was made to the same county, again disbursed through escrow and sent via XXXX.

N/A

937243

XXXX

On XX/XX/XXXX, borrower XXXX XXXX requested information about his outstanding loan balance intending to build a trust. After exchanging several emails, xx processed a payoff statement in late January XXXX with an amount calculated to total $XXX,XXX.XX for a duration covering until XX/XX/XXXX.

N/A

Paid XXXX county taxes amounting to $XXXX.XX on XX/XX/XXXX and XXXX county taxes of $XXXX.XX on XX/XX/XXXX, disbursed from escrow toxx County.

N/A

820629

XXXX

Delinquent Taxes

Communication with the borrower was frequent from November to December XXXX, primarily focused on clarifying and processing a hardship application. The last substantial contact occurred on December XX, XXXX, where it was explained that a repayment plan could be offered given the current status of her account, leading to dissatisfaction expressed by the borrower over denied modification assistance.

In early December XXXX, the borrower submitted a hardship application, citing a need to restructure her financial situation due to reduced income and increased expenses. This was followed by several communications with the servicing company to complete and correct the application, with it finally being accepted for review by the end of November. Despite being current on payments, the borrower conveyed struggles with high expenses, indicating financial hardship.

N/A

In January XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website, suggesting awareness and precautionary measures against fraud.

N/A

Throughout XXXX and XXXX, taxes were a recurring theme, with county tax payments disbursed from escrow to xx. Notices indicate attention to timely tax payments, despite slight increases in amounts over time that reflect in the escrow analysis and adjustments.

N/A

In late November XXXX, the borrower's hardship application was reviewed for modification. After corrections, the file was sent for investor review in early December, including a detailed assessment of borrower's income and expenses. However, the modification request was denied due to income ineligibility, and a repayment plan was recommended instead.

N/A

On December X, XXXX, after a review of the modification request, it was decided that no modification would be offered. Instead, a repayment plan was suggested, considering the borrower's account was less than X months in default.

N/A

658301

XXXX

On XX/XX/XXXX, XXXX called, seeking a Spanish speaker, but hung up when advised none were available. On XX/XX/XXXX, he inquired about insurance, and I confirmed payment was disbursed. Regular comments show XXXX often calls for setting up post-dated payments and discussing insurance policy issues across various dates.

N/A

Payments were made to xx County for county taxes from escrow accounts on XX/XX/XXXX, XX/XX/XXXX, and other similar dates.

N/A

810814

XXXX

Various attempts and successful contacts were made with borrower XXXX. Notable contacts included a discussion on XX/XX/XXXX regarding January payment, followed by further attempts and discussions on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, XXXX made a payment for January and February while mentioning issues with not receiving billing statements.

N/A

Throughout XXXX and XXXX, quarterly tax payments were made to xx County, disbursed from escrow, and wired to XXXX for payment. Payments for XXXX included amounts of $XXX.XX, $XXX.XX, and for XXXX, amounts of $XXX.XX and $XXX.XX were noted.

N/A

901968

XXXX

On XX/XX/XXXX, spoke with XXXX regarding last X digits of SSN confirmation, property, mailing address, and US HUD Dept information. On XX/XX/XXXX, XXXX called to make a payment and processed a transaction of $X,XXX.XX. This included confirming and authorizing details.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by user XXXX on XX/XX/XXXX and XX/XX/XXXX.

N/A

On XX/XX/XXXX, paid county taxes of $XXXX.XX to xx County, disbursed from escrow. Again on XX/XX/XXXX, paid $XXXX.XX in a similar manner. Future tax disbursements include an amount of $XXXX.XX on XX/XX/XXXX and $XXXX.XX on XX/XX/XXXX.

N/A

465972

XXXX

Throughout the comments, borrower XXXX frequently contacted or was contacted by the servicer for payment setups and account discussions. Key interactions occurred on XX/XX/XXXX, where XXXX confirmed identity for a payment setup, and on XX/XX/XXXX, when a late fee of $XX.XX was discussed. On XX/XX/XXXX, XXXX was informed about a late fee and PMI removal criteria. Last recorded contact occurred on XX/XX/XXXX, confirming a one-time payment setup via the Borrower Website for $X,XXX.XX.

N/A

888801

XXXX

On XX/XX/XXXX, an inbound call was received from a borrower named XXXX, verifying information and discussing a letter about the loan transfer. On XX/XX/XXXX, the borrower XXXX was contacted to setup a CBP and double verified CBP, authorizing processing of funds.

N/A

Throughout the provided timeline, multiple instances of city taxes being paid from escrow are documented. Payments include $X,XXX.XX on XX/XX/XXXX, $X,XXX.XX on XX/XX/XXXX, $X,XXX.XX on XX/XX/XXXX, and $X,XXX.XX on XX/XX/XXXX to xx City.

N/A

816621

XXXX

On XX/XX/XXXX, a call discussed traXXer of ownership and home equity inquiries. On XX/XX/XXXX, XXXX encountered fraud issues at the bank when attempting to remit payment, intending to resolve the matter. On XX/XX/XXXX, communication confirmed the corrected payment posting and contractual currency of the account with a due date of XX/XX.

N/A

On XX/XX/XXXX, a note indicated that the borrower was not in bankruptcy and was contractually current.

On XX/XX/XXXX and XX/XX/XXXX, fraud prevention tips were acknowledged by the borrower.

N/A

On XX/XX/XXXX, XXXX property taxes paid to xx County, with subsequent payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

514153

XXXX

On XX/XX/XXXX, spoke with borrower regarding tax exemption due to VA disability. Borrower plans to contact the tax office after sending an exemption letter.

N/A

Acknowledged reading tips to help reduce fraud by the borrower on XX/XX/XXXX.

N/A

On XX/XX/XXXX, paid county taxes for XXXX in the amount of $XXX.XX. Later, on XX/XX/XXXX and XX/XX/XXXX, paid XXXX county taxes for $XXX.XX. Updated tax status online on XX/XX/XXXX, confirming taxes are current.

N/A

414665

XXXX

On XX/XX/XXXX, the borrower updated their payment information on the website. An inbound web inquiry about account status was submitted the same day, requesting email communication regarding monthly payment details. On XX/XX/XXXX, a payoff quote request was submitted for Medicare purposes, followed by communication on XX/XX/XXXX, seeking payoff confirmation from xx. The customer refused consent to share data multiple times through web acknowledgements in September XXXX and January XXXX. Last recorded discussions mentioned payoff statements and payments in February XXXX, and insurance policy discussions in July XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Regular updates were noted on payment and processing of taxes. On XX/XX/XXXX, the XXXX XH county taxes were paid to xx County. On XX/XX/XXXX, the XXXX XH county taxes were paid. Later, on XX/XX/XXXX, the XXXX XH taxes were paid, and by XX/XX/XXXX, the XXXX XH county taxes were disbursed.

N/A

381693

XXXX

On XX/XX/XXXX, communication with XXXX XXXX confirmed arrangements for missed payments and reassured him regarding current insurance credits. Auto-pay concerns were settled on XX/XX/XXXX. Despite resolved mailing issues, notifications frequently returned undelivered through January XXXX.

N/A

Throughout the year XXXX, multiple property inspections were ordered and completed by XXXX. These inspections confirmed the property remained occupied during visits in March, April, May, and October. Correspondence related to property and occupancy was consistent, ensuring compliance with investor guidelines.

Foreclosure actions began with a Complaint filed on X/X/XXXX. Despite this, continuous discussions and efforts for reinstatement were documented, leading to a XX-day Conciliation Hold by X/XX/XXXX. Post-demand reinstatement processes followed, confirming significant advances and costs, leading to an eventual foreclosure cancellation on X/XX/XXXX due to accepted reinstatement funds.

N/A

Tax payments for XXXX and XXXX were consistently managed, with school and borough taxes paid timely and directly to the tax offices using escrow funds. Similarly, tax payments in XXXX were managed with school taxes paid in August.

N/A

380255

XXXX

On XX/XX/XXXX, Asset ID reassigned from XXXX. During April XXXX, multiple contact attempts were made to inform the borrower about escrow analysis and payment changes. On XX/XX/XXXX, the borrower updated their website payment for May XXXX. On XX/XX/XXXX, an email was sent to the borrower regarding an XX issue, to which the borrower responded on XX/XX/XXXX promising immediate payment. On XX/XX/XXXX, direct contact made with the borrower to discuss status and adjustments needed.

N/A

On XX/XX/XXXX, the borrower accessed their website account and acknowledged tips to reduce fraud.

N/A

Throughout XXXX and XXXX, several tax-related payments were made, including county taxes and special assessments, disbursed from escrow and processed via XXXX. On XX/XX/XXXX and XX/XX/XXXX, special assessment and XH county taxes were paid respectively. Additionally, XH county taxes were paid on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, additional assessments and taxes were paid for XXXX.

N/A

946774

XXXX

The borrower was contacted through various methods, such as emails and calls. Notably, on XX/XX/XXXX, XXXX XXXX emailed confirming a payment to be made the next day. On XX/XX/XXXX, a conversation occurred with the borrower's wife, confirming a payment at end of the month.

On XX/XX/XXXX, it was noted that the husband works outside, and due to rain, there was not much work, indicating a reduced income. This is one reason for delayed payments.

N/A

The borrower acknowledged reading tips to help reduce fraud on XX/XX/XXXX and again on XX/XX/XXXX on the Borrower Website.

N/A

Tax payments were made on multiple occasions, including $XXXX.XX to xx County on XX/XX/XXXX and $XXXX.XX on XX/XX/XXXX, reflecting proactive management of tax obligations.

N/A

On XX/XX/XXXX, a data quality audit corrected errors related to a loan modification dating back to XX/XX/XXXX. Changes included correcting the term, maturity type, and AML type based on the mod and note.

N/A

On XX/XX/XXXX, expedited documents related to Pre FC Loss Mit Options included the Servicemembers Civil Relief Act Notice.

N/A

683952

XXXX

On XX/XX/XXXX, received a call from XXXX. He verified the last four of his SSN and property address. There was a discussion regarding statement discrepancies showing two payments due, which was clarified to occur due to timing of payment processing.

N/A

Throughout the year XXXX, the borrower acknowledged reading tips to help reduce fraud on two occasions, on XX/XX/XXXX and again on XX/XX/XXXX, showing a consistent awareness of fraud prevention measures.

N/A

In XXXX, the borrower paid city taxes amounting to $XXX.XX on XX/XX, county taxes of $XXX.XX on XX/XX, and school taxes of $XXXX.XX on XX/XX. In XXXX, city taxes of $XXX.XX were paid on XX/XX, county taxes of $XXX.XX on XX/XX, and school taxes again for the same amount as the previous year on XX/XX. Their property taxes remained current as per the xx County tax claim website on XX/XX/XXXX.

N/A

362973

XXXX

On XX/XX/XXXX, the borrower contacted via email regarding paying the escrow account shortage as a lump sum rather than over XX months. On the same day, a response was given, guiding the borrower on setting up the payment. On XX/XX/XXXX, the borrower made an incoming call regarding housing payment discrepancies and discussing escrow shortages. Following another contact on XX/XX/XXXX, the borrower indicated they had been trying to resolve an issue concerning their escrow shortage payment adjustment, which was finally confirmed to be effective for October XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

County taxes for the period XXXX/XX and XXXX/XX were paid on XX/XX/XXXX and XX/XX/XXXX respectively. The xx County taxes for the second half of XXXX and XXXX first half were paid on XX/XX/XXXX and XX/XX/XXXX.

N/A

732684

XXXX

On XX/XX/XXXX, the borrower was contacted to provide an update on their credit reporting issues. Additionally, on XX/XX/XXXX, the borrower inquired about a payment issue due to insufficient funds and was advised to resubmit the payment. Various other contact attempts were made throughout this period.

On XX/XX/XXXX, the borrower expressed concern about making a payment due to their partner losing their job, indicating a potential reason for payment difficulty.

N/A

On XX/XX/XXXX, the borrower acknowledged tips on reducing fraud via the borrower website.

N/A

Various taxes were paid from escrow, including utility taxes, city taxes, and county taxes across multiple months in XXXX and XXXX.

N/A

On XX/XX/XXXX, an online hardship application was submitted and returned for corrections, and the borrower received a letter regarding the incomplete package. The description mentions that loan modifications may not be possible until the account becomes delinquent.

N/A

On XX/XX/XXXX and subsequent dates, the borrower expressed concern about their mortgage not being reported to credit bureaus since May, which could affect their credit score.

647071

XXXX

On XX/XX/XXXX and XX/XX/XXXX, outbound calls were made leaving messages on borrower’s answering machine. On XX/XX/XXXX, an incoming call was received verifying their identity, and a payment arrangement was discussed on the same day with full details confirmed.

N/A

On XX/XX/XXXX and again on XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

Several tax payments were documented: XXXX XQ county taxes paid on XX/XX/XXXX, and XQ on XX/XX/XXXX; XXXX/XX taxes paid on XX/XX/XXXX; XXXX taxes XQ paid on XX/XX/XXXX, XQ on XX/XX/XXXX, XQ on XX/XX/XXXX, and XQ on XX/XX/XXXX. There was an escrow shortage noted with letters sent to borrower.

N/A

670642

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower expressed difficulty in finding out how much to pay extra each month for a XX-year loan term. The borrower also questioned the mortgage completion year. On XX/XX/XXXX, the borrower received the maturity date via a phone call after requesting it online. The borrower refused consent to share private data with outside entities several times, the latest being on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

On XX/XX/XXXX, an annual escrow analysis revealed a shortage of $XXX.XX, which led to a new escrow constant effective from XX/XX/XXXX. Over multiple dates, town taxes were paid through escrow dispersals.

N/A

504156

XXXX

Active Bankruptcy

On XX/XX/XXXX, communication involved the borrower's third-party, XXXX, discussing the xx Housing Program and account status, confirming details with xx after transferring the loan from xx. She provided contact details for follow-up and expressed eagerness to resolve the matter. Frequent communication occurred primarily through the borrower website or phone calls involving updates and payment confirmations.

The borrower, XXXX., faced issues related to bankruptcy filings, including previous filings in Chapter XX. He also reported being out of work and faced garnishments, indicating financial struggles that contributed to defaulting on his mortgage. There was a significant unpaid balance on the loan and arrears were reported as not disbursed.

N/A

Foreclosure proceedings were initiated, with several steps taken: a demand letter sent, referral to XXXX, and transfer processes. Several court hearings were held, and case statuses were updated frequently. The foreclosure was eventually placed on hold due to the borrower's involvement with xx, which promised financial assistance. Ultimately, the foreclosure case was canceled after xx disbursed funds to cover the borrower's payments through April XXXX.

The borrower, XXXX., filed for Chapter XX bankruptcy on XX/XX/XXXX. Several modules and contacts were updated to reflect the active bankruptcy case, and a Motion for Relief was discussed due to post-petition default. The bankruptcy case was dismissed on X/X/XXXX, and actions were taken to adjust settings post-dismissal.

N/A

There were issues mentioned involving Assignments of Mortgage, but actions were taken to clear the title and proceed with foreclosure. Specific details remain unclear on the actual problems encountered, but resolution involved legal processes and documentation updates.

Taxes were reported as paid and current, and payments were made on time. Various invoices and HOI policies were processed throughout the year to ensure tax deadlines were met, without any delinquent activities noted.

There was involvement from attorneys, with discussions on legal proceedings and court hearings, particularly involving bankruptcy, mediation, and foreclosure. The borrower was represented by counsel during hearings, and significant fees were incurred by both borrower and lender litigation-related activities.

N/A

Modifications were noted through Freddie Mac with fixed interest rate terms altering payment structures. The borrower expressed interest in modification options to possibly alleviate their financial burden.

N/A

There were mentions of errors during servicer transitions, particularly about discrepancies in payment plans and failure to match certain terms during bankruptcy proceedings.

933120

XXXX

On XX/XX/XXXX, the borrower requested an account update. Frequent contacts were made throughout XXXX, primarily for payment discussions and plan confirmations. On XX/XX/XXXX, the borrower discussed making a reinstatement payment and requested wire traXXer information. Most recent contact on XX/XX/XXXX involved payment processing safety and setting a new account access password.

N/A

Throughout XXXX and continuing into XXXX and XXXX, various tax-related activities took place for the borrower's property. Utility and county taxes were paid from the escrow account for the years XXXX and XXXX, with disbursements made to XXXX for the respective payments. In early XXXX, the borrower requested tax information to file for taxes for XXXX.

N/A

The borrower XXXX engaged in multiple discussions regarding repayment plans throughout XXXX and XXXX. A repayment plan approved in August XXXX involved payments of $X,XXX starting in September XXXX. However, several payment issues occurred due to insufficient funds and missed payments. In June XXXX, a new repayment plan was set with an initial amount of $X,XXX.XX due, followed by monthly payments of $X,XXX.XX. Continued communication throughout XXXX involved attempts to modify and keep up with the repayment plans.

N/A

482446

XXXX

Throughout the comments, multiple contacts were initiated with the borrower primarily about payment of the ground rent bill. On XX/XX/XXXX, borrower XXXX XXXX was advised to resolve outstanding ground rent issues. By XX/XX/XXXX, several outbound calls indicated difficulty in reaching the borrower regarding the same issue. On XX/XX/XXXX, XXXX verified their property and expressed difficulty in arranging payment. The consistent communication with the borrower about payment issues continued into XX/XX/XXXX, with borrower inquiries about whether they need to pay the ground rent themselves.

N/A

The borrower acknowledged reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

Various city taxes were paid for the years XXXX and XXXX, ensuring compliance with tax obligations. Specific payments include $XXXX.XX on XX/XX/XXXX for XXXX taxes, and $XXXX.XX on XX/XX/XXXX for XXXX's first half, followed by $XXXX.XX on XX/XX/XXXX for the second half.

N/A

534700

XXXX

Delinquent Taxes

On XX/XX/XXXX, a call was made to XXXX to discuss tax payments and escrow. He asked if the funds could be returned, and a surplus was indicated. On XX/XX/XXXX, there was confusion over tax payment responsibilities with XXXX again. During recent contacts on XX/XX/XXXX, a payment dispute arose as XXXX believed his account was only due one payment when it was overdue by several. This contact indicated ongoing communication issues regarding payment understanding and escrow responsibilities.

N/A

Throughout the records, issues with tax payments and escrow were addressed. On XX/XX/XXXX, it was noted not to pay XQ city taxes due to exempt status. By XX/XX/XXXX, the borrower was informed of being escrowed for taxes, and a new escrow analysis was conducted on XX/XX/XXXX, adjusting monthly payments. Disbursements for city taxes occurred several times, including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, highlighting ongoing tax payments from escrow.

N/A

439255

XXXX

On XX/XX/XXXX, the borrower inquired about high escrow and payment amounts. Further discussions occurred regarding forced placed insurance (FPI) and homeowner's insurance (HOI). The borrower completed payments and asked about insurance premiums, which led to a refund of FPI fees on the discretion of previous insurance arrangements. The last known direct interaction was on XX/XX/XXXX, when the borrower called about the TraXXer of Ownership letter.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

County taxes for different periods were paid: $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX, all disbursed from escrow to the xx County tax office.

N/A

An FPI refund error was identified and corrected on XX/XX/XXXX, previously processed on the wrong loan number XXXXXX instead of the correct one.

964858

XXXX

Throughout the timeline, the borrower, using the email XXXX, remained actively engaged. Multiple payments were created through the borrower website, with notifications confirming these transactions sent regularly. On various occasions, the borrower updated notification preferences, indicating a preference for mailed billing statements and email alerts for account activities. On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud and updated personal information, respectively.

N/A

Throughout the timeline, there were regular payments for county taxes made from escrow. On XX/XX/XXXX, the XXXX XH county taxes amounting to $XXXX.XX were paid to xx County. Similarly, on XX/XX/XXXX, the XXXX XH county taxes of $XXXX.XX were paid. The XXXX XH county taxes of $XXXX.XX were paid on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

964758

XXXX

On XX/XX/XXXX, XXXX called to inquire about an escrow shortage. The borrower primarily communicates through XXXX due to language barriers. Significant conversations regarding payment adjustments and escrow issues were documented between XX/XX/XXXX and XX/XX/XXXX, involving payment confirmations and providing information on escrow shortages.

N/A

Various homeowner and county taxes were paid through escrow, with specific amounts noted on occasions like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

An error was noted on XX/XX/XXXX regarding funds posted to the wrong loan account, which was corrected.

469440

XXXX

Active Bankruptcy

Communications with the borrower, XXXX XXXX, were frequent, particularly regarding billing, payments, and repayment plans. In September XXXX, the borrower and representative XXXX exchanged emails discussing repayment options. Regular payments have been made online and coordinated through email consultations for maintaining account status. The borrower has faced instances of insufficient funds, frequently communicated via phone and email for follow-up actions and clarifications regarding loan status.

N/A

The borrower filed for Chapter XX bankruptcy on XX/XX/XXXX under case number XX-XXXXX, which was extended to XX months due to the pandemic. Payments were monitored through the Trustee, with periodic updates on payment status, billing statements, and escrow analysis throughout XXXX and into XXXX. Late charges have been turned off and the arrears are now paid in full. The bankruptcy case was discharged on XX/XX/XXXX, with the trustee's final report filed on XX/XX/XXXX.

N/A

Relevant property taxes have been paid on xx County dates throughout the period, including December X, XXXX, and April XX, XXXX payments. The account is current with a surplus returned in escrow analysis conducted annually.

N/A

In September XXXX, the borrower expressed interest in a repayment plan to become current. A four-month repayment plan was approved allowing for one and a half payments each month after consultation with the borrower. Emails and discussions tracked the repayment plan agreement with the borrower commencing payments accordingly.

N/A

903561

XXXX

Active Bankruptcy,Delinquent Taxes

On X/XX/XXXX, communication regarding service release and history. On X/X/XXXX, recent contact confirmed via email with the borrower emphasizing correspondence methods and tax payment intentions.

The borrower experienced a lack of income due to employment issues and delayed payments over multiple months throughout XXXX and XXXX. Payments were often applied late or insufficiently, leading to financial strain.

N/A

Throughout XXXX and XXXX, the loan has been monitored for foreclosure proceedings. Notices of Default (NOD) were frequently issued and followed up. A Certificate of Default was requested but later withdrawn after the borrower brought the account current.

The borrower was involved in bankruptcy case number XX-XXXXX, observed with multiple motions for relief of stay, and a trustee was involved. Notices of Final Cure and discharge were communicated, with the case closing in November XXXX.

Acknowledged reading tips to help reduce fraud on the Borrower Website, indicating concern or awareness regarding fraud prevention on X/X/XXXX.

N/A

Persistent delinquent tax issues from XXXX through XXXX were highlighted, amounting to over $XX,XXX. Multiple requests for payment or arrangement discussions with debtor's counsel were made throughout XXXX.

There were no comments that explicitly referenced litigation or legal proceedings apart from bankruptcy-related matters.

N/A

No specific modifications were directly referenced, beyond occasional account updates and payment reconfigurations.

N/A

The borrower maintained ongoing payments without explicit mention of structured repayment plans separate from regular billing updates and due dates.

N/A

524564

XXXX

On XX/XX/XXXX, the borrower verified property address and authorized payment processing. Regular contact was maintained throughout XXXX and XXXX, verifying personal details and setting up payments. The last recorded contact was on XX/XX/XXXX, when the borrower requested a Third Party Authorization via email.

N/A

Comments mention timely payments of town taxes with funds wired from escrow. The next payment is due on XX/XX/XXXX. There are no indications of tax issues.

N/A

473027

XXXX

Regular online payments were made by the borrower, including a payment of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on X/XX/XXXX. On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud, indicating continuous engagement.

N/A

On XX/XX/XXXX, $X,XXX.XX was paid for XXXX county taxes to xx County using escrow. On XX/XX/XXXX, $X,XXX.XX was disbursed from escrow to pay the XXXX county taxes.

N/A

595067

XXXX

On XX/XX/XXXX, borrower XXXX inquired about the mailing of payments and was advised not yet received. On XX/XX/XXXX, XXXX called regarding payment not being taken out, advised it takes a couple of days. On XX/XX/XXXX, XXXX and co-borrower XXXX called about NSF fees, informed standard procedure for returned checks. On XX/XX/XXXX, XXXX and XXXX called about mailed checks not clearing, advised funds not posted. On XX/XX/XXXX, XXXX inquired about payment delay, confirmed reversal due to account error. Multiple contacts through XXXX regarding payment setups, inquiries, and confirmations with continuous issues due to checks and account verifications. On XX/XX/XXXX, Co-borrower confirmed scam message from Security Natl and validated payments were by xx. Continuous calls about payments, errors, and confirmations throughout the period.

N/A

On XX/XX/XXXX, XXXX XH county taxes amounting to $XXX.XX were paid to xx county. On XX/XX/XXXX, XXXX XH county taxes of $XXX.XX were paid again to xx county. On XX/XX/XXXX, XXXX XH county taxes of $XXX.XX were paid.

N/A

710383

XXXX

On XX/XX/XXXX, borrower acknowledged reading fraud prevention tips. A message was left on XX/XX/XXXX about an incorrect payment amount. An email was sent the same day regarding a payment increment, instructing to update regular automatic electronic payments.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, a payment was made for XXXX XH county taxes; similarly, on XX/XX/XXXX, XXXX XH county taxes were paid. Payments for XXXX XH taxes occurred on XX/XX/XXXX, and XH taxes were paid on XX/XX/XXXX, each wired from escrow to XXXX.

N/A

989716

XXXX

On XX/XX/XXXX, an outbound call was made to the borrower, XXXX, confirming last four of SSN and property address. The borrower wanted to make a payment for November during the call.

N/A

On XX/XX/XXXX, a DQ audit corrected the property city from 'xx CITY' to 'xx CITY' per the mortgage note.

XXXX county taxes amounting to $X,XXX.XX were paid on XX/XX/XXXX. On XX/XX/XXXX, XXXX county taxes payment of $X,XXX.XX was disbursed from escrow and wired to XXXX for payment.

N/A

943849

XXXX

Active Bankruptcy,Deceased Borrower

On XX/XX/XXXX, XXXX made an offer of $X,XXX in GFP and set up the RPP. Throughout various calls and emails, including celles on XX/XX/XXXX and XX/XX/XXXX, XXXX verified account details and confirmed payment transactions. Several attempts by XXXX to gain access were verified and denied due to lack of authorization.

The records indicate a 'Curtailment of Income' as the reason for default, classified under the code RFD: XXX.

N/A

Foreclosure procedures were initiated but canceled on XX/XX/XXXX, as indicated by a note about canceling the FC sale. The ongoing payment by Trustee includes arrears as managed under a bankruptcy plan review and a motion to dismiss hearing was continued several times with the latest rescheduled date being XX/XX/XX.

The bankruptcy case (xx Case #XX-XXXXX) was filed on XX/XX/XXXX, with a proof of claim filed on XX/XX/XXXX. The Plan was confirmed on XX/XX/XXXX, but the case was dismissed on XX/XX/XXXX. During its course, the amount of arrearages was set up and adjustments made to the loan details, such as reallocating arrearage principal and updating dues.

N/A

Property taxes for XXXX and XXXX were paid on XX/XX/XXXX and XX/XX/XXXX respectively through escrow disbursements.

N/A

There is continuous reference to XXXX, verified as the only successor in interest after the noted passing of XXXX, with authorization issues regarding a XXXX claiming power of attorney which was dismissed due to its nullification upon her passing.

N/A

A repayment plan (RPP) was established, involving a $X,XXX Good Faith Payment and subsequent payments of $X,XXX.XX per month for January, February, and March XXXX, making the account current by April XXXX.

N/A

756851

XXXX

Frequent contact with XXXX XXXX via phone calls, with notable calls on XX/XX/XXXX regarding loan inquiry and insurance issues on XX/XX/XXXX involving a loss claim check. On XX/XX/XXXX, XXXX discussed documents needed for an insurance claim, ensuring quick resolution and updating with the lender on mail delivery timelines for the upcoming funds disbursement.

N/A

On XX/XX/XXXX, XXXX received a loss claim check totaling approximately $XX,XXX. Documents required for disbursement were communicated to XXXX via email, including contractor estimates and insurance documentation. The Insurance Claim Check, alongside supporting documents including the adjuster's report, was posted on XX/XX/XXXX. Details of further requirements for disbursements, like contractor license and W-X forms, were communicated. By XX/XX/XXXX, an $X,XXX.XX loss draft check was disbursed to XXXX, with confirmation of priority mail delivery.

N/A

Customer acknowledged reading fraud prevention tips on XX/XX/XXXX, enhancing security awareness during borrower interactions.

N/A

On XX/XX/XXXX, taxes for XXXX were paid, disbursed from escrow to xx County. Similarly, on XX/XX/XXXX, taxes for XXXX were paid using escrow funds, ensuring tax obligations are promptly met.

N/A

333417

XXXX

On XX/XX/XXXX, a payment of $X,XXX.XX was made through the borrower website by user XXXX. On XX/XX/XXXX, the customer refused consent to share data via the web. Payments continue to be regularly posted at the borrower’s request through the year XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on the Borrower Website to help reduce fraud.

N/A

In XXXX, county taxes were paid in the amounts of $XXXX.XX and $XXXX.XX. In XXXX, payments were made for $XXXX.XX and $XXXX.XX, and in XXXX, confirmation of homeowner's insurance renewal and tax documents processing were noted.

N/A

614415

XXXX

The borrower has been consistent with their payments. The last contact was through a payment notification sent on XX/XX/XXXX, resulting in a successful payment of $X,XXX.XX.

There are no comments indicating any reasons for default. The loan notes do not cover any instances of income loss, employment issues, or other typical reasons for default mentioned in the provided categories.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website, indicating proactive awareness regarding fraud prevention.

N/A

Tax disbursements were handled timely with payment of county taxes on XX/XX/XXXX for $XXXX.XX and on XX/XX/XXXX for $XXXX.XX, ensuring compliance with tax obligations. Escrow funds were wired to XXXX for payment to the tax office.

N/A

No modifications are noted in the loan comments; payment records show consistent amounts and regular due dates without mentioning any modifications.

N/A

729559

XXXX

On XX/XX/XXXX, confirmed mailing and property address with XXXX XXXX. He processed a phone check payment for $XXX.XX, which was double verified. The account remained active with regular customer interaction regarding billing and instructions to update EFT forms as needed.

N/A

On XX/XX/XXXX, borrower acknowledged reading tips to help reduce fraud on their website and refused consent to share private data with outside entities.

N/A

On XX/XX/XXXX, county taxes for XXXX totaling $XXX and $X were paid to xx County from escrow. Similar payments were disbursed on XX/XX/XXXX for the XXXX taxes. Additionally, a shortage of $XX.XX in escrow was addressed on XX/XX/XXXX, and a relevant letter was mailed to the borrower.

N/A

952902

XXXX

On XX/XX/XXXX, the borrower phoned in with details verifying personal information and her issue with rejected payment due to miscommunication related to address for bill pay. Subsequently, on XX/XX/XXXX, the borrower authorized payment for escrow shortage. Numerous interactions regarding insurance claim and payment disbursement details occur between December XXXX and February XXXX, showing active and consistent borrower communication.

There are no specific comments regarding reasons for default related to income loss, unemployment, or any other similar circumstances affecting borrower payments.

There are discussions about an insurance claim related to roof repair, as well as other maintenance payments and issues with escrow shortages.

N/A

On XX/XX/XXXX, co-borrower acknowledged reading tips to reduce fraud on the borrower website, indicating awareness and preventive actions against potential fraud threats.

N/A

County taxes paid on XX/XX/XXXX and on XX/XX/XXXX, with amounts disbursed from escrow indicating routine tax payment management.

N/A

The comment on XX/XX/XXXX states that no modifications are found with reasons for delinquency marked as N/A.

N/A

807968

XXXX

Deceased Borrower

On XX/XX/XXXX, XXXX contacted regarding the reinstatement and foreclosure, discussing payments and escrow issues. Further contact was confirmed on XX/XX/XXXX to advise of the received reinstatement and canceling of foreclosure proceedings.

The comments seem to revolve around general account activities and interactions rather than reasons for the default. Specific reasons such as unemployment, income loss, or financial difficulties are not mentioned.

Several property inspections were ordered and completed, indicating regular checks on the property's condition for occupancy and external standards, as indicated through XXXX. No particular damage or repairs are noted.

The foreclosure process was actively involved with demand letters being issued and funds being returned or requested multiple times, but foreclosure was eventually cancelled following a reinstatement of the loan as confirmed in February XXXX.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website was noted on XX/XX/XXXX.

Conversation with XXXX regarding title and legal issues, leading to a clear title search, allowing foreclosure proceedings to continue as of XX/XX/XXXX.

County taxes for xx County were paid from escrow on XX/XX/XXXX and again on XX/XX/XXXX for two different parcels.

The foreclosure process included legal procedures as indicated by discussions with attorneys at XXXX regarding reinstatements and cancellations.

N/A

The borrower stated her husband has been deceased for XX years during a conversation about account status and foreclosure avoidance on XX/XX/XXXX.

N/A

802705

XXXX

On XX/XX/XXXX, XXXX XXXX contacted XXXX, XXXX apologizing for the delay in providing insurance documentation. The following day multiple communications occurred regarding the insurance documentation required. Throughout late March XXXX into April XXXX, communication continued between xx and XXXX XXXX, addressing insurance issues and eventual resolution confirmed by XXXX from XXXX.

N/A

Throughout the timeline, there are several interactions related to tax payments. On XX/XX/XXXX, it was mentioned that taxes are paid through the XXXX Xrd Quarter and the Xth Quarter taxes are due on XX/XX/XXXX. Updates continued with similar tax payment notices on XX/XX/XXXX for XXXX taxes, and again on XX/XX/XXXX for the XXXX Xth Quarter taxes. On XX/XX/XXXX, XXXX Xst Quarter city taxes were noted to be due on XX/XX/XXXX.

N/A

589863

XXXX

Delinquent Taxes

On XX/XX/XXXX, an email was sent introducing XXXX as the new asset manager for the account, highlighting the account's current status and inviting further contact. A series of emails related to verification requests, including an unauthorized VOM request, were exchanged on XX/XX/XXXX. The borrower last engaged with the servicer on XX/XX/XXXX when XXXX requested an end-of-year statement to be emailed, which was subsequently sent.

N/A

Payments for county taxes were made on several occasions, including payments of $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX. Payments were disbursed from escrow and wired to XX County through XXXX.

N/A

761144

XXXX

On XX/XX/XXXX, a payment was made with details sent via email. Subsequent monthly payments were consistently processed and confirmed with notifications sent to the borrower's email. The borrower also refused consent multiple times between April XXXX and January XXXX, regarding the sharing of private and credit data with affiliates and outside entities.

N/A

In May XXXX and May XXXX, the borrower acknowledged reading fraud prevention tips on the Borrower Website.

N/A

On XX/XX/XXXX, taxes were confirmed paid and current, with the next bill due by XX/XX/XXXX. On XX/XX/XXXX, it was confirmed that taxes are paid through the XXXX tax year, with XXXX taxes due by XX/XX/XXXX. On XX/XX/XXXX, taxes were again confirmed current with the upcoming bill due by XX/XX/XXXX, amounting to $XXX.XX.

N/A

449663

XXXX

On XX/XX/XXXX, XXXX informed XXXX about plans to complete missed payments by XX/XX. She faced continued issues with her inconsistent income, negatively impacting loan repayment pacing. Earlier on XX/XX/XXXX, XXXX conveyed the delay in receipt of the commission due to delays in the city of xx.

Throughout this time period, XXXX faced financial hardship driven by various factors, including inconsistent commission-based income due to real estate sales, economic conditions, and husband's unemployment. Her husband's inability to work significantly impacted household income. XXXX explained her struggle to pay the mortgage while dealing with everyday bills and financial obligations like a car issue and gas prices in CA, causing difficulty in maintaining timely mortgage payments.

During March and April XXXX, multiple property inspections were ordered through XXXX. These inspections confirmed occupant presence in the property, but no repair or damage issues were outlined.

Starting March XX, XXXX, there was a series of actions regarding foreclosure proceedings, including CA Pre-Demand letters sent on multiple occasions documenting demands for various contact attempts. Further, foreclosures were postponed and reviewed to provide XXXX with alternatives such as repayment plans. Requests for Attorney Demand Letters were sent in May and December, with accompanying pre-demand letters documenting the process.

On April XX, XXXX, XXXX mentioned considering filing for Chapter X bankruptcy while discussing financial troubles and needed to get more information on how to proceed. She expressed interest in getting more time for repayments due to ongoing commission delays.

Acknowledged reading tips intended to help reduce fraud and confirming consent choices on the website on multiple occasions throughout August and December XXXX. No direct fraud activity reported.

N/A

Paid xx county HX taxes on March XX, XXXX, and similar payments were made in Nov XXXX for the XH period, processed through escrow funds.

N/A

During March XXXX, various loss mitigation packages were sent and reviewed, but ultimately the modification was denied in January XXXX due to insufficient proof of feasible repayment plans, and instead a repayment option was offered.

N/A

From March XXXX onwards, XXXX was unable to meet previous repayment arrangements owing to financial difficulties from delayed commissions impacting her job. XXXX suggested feasible plans throughout the year, including payments in April XXXX to cover amounts due for past months.

XXXX expressed interest in a forbearance in March and requested its implementation in December XXXX. She considered selling the house and a forbearance was initially denied, requiring submission of the necessary financial documents.

N/A

472913

XXXX

Numerous contacts were initiated and maintained with the borrower through calls and emails, resulting in discussions regarding account status and payment queries. Notable contacts occurred on XX/XX/XXXX, addressing payment plans and HAF issues; on XX/XX/XXXX concerning HAF fund posting and not yet distributed information; and ongoing inquiries which included discussions about a deceased son impacting financial arrangements on XX/XX/XXXX.

N/A

Property inspections were ordered and completed several times, consistently reporting the property as occupied. The servicing vendor XXXX conducted inspections on multiple dates between November XXXX and February XXXX, ensuring compliance with investor guidelines.

Foreclosure proceedings commenced with inquiries regarding foreclosure status and documentation necessary for the process. The foreclosure was referred on XX/XX/XXXX and active with plans to resume actions, including the first legal milestone and requests for reinstatement figures. Despite inquiries and requests for documentation, due diligence was incomplete, necessitating the attorney to close and bill as instructed.

Checks were conducted for bankruptcy records using PACER on XX/XX/XXXX, confirming no records found under the borrower's SSN.

N/A

County taxes for First Half XXXX were paid on XX/XX/XXXX, amounting to $XXXX.XX, followed by payment for the Second Half on XX/XX/XXXX for $XXXX.XX. Additional half-year taxes for XXXX-XX were paid on XX/XX/XXXX in the amount of $XXXX.XX.

N/A

Multiple interactions regarding the Homeowner Assistance Fund (HAF) were reported. A denial due to multiple property ownership on XX/XX/XXXX led to further inquiries and application submissions under HAF. An RI pending for HAF and figures involved were actively discussed and documented.

N/A

449364

XXXX

Last meaningful contact was on X/XX/XXXX, when the borrower expressed her intention to cure the default by making double payments. After multiple missed payments and attempts to contact, on X/XX/XXXX, the borrower was warned of delinquency and requests for contact were made. As of recent, the borrower reinstated the loan on X/X/XXXX, briefly communicating towards the reinstatement that they had funds available.

The borrower, XXXX, was facing financial difficulties due to severe medical issues with her daughter, affecting their ability to pay the mortgage. Despite prioritizing the mortgage and working out several payment plans, the borrower has not made a payment since July XXXX, with payments due from September XXXX to February XXXX.

Multiple inspections conducted by XXXX confirmed the property is occupied. These inspections were routine with no significant property issues reported. Homeowners insurance was maintained and renewed annually with xx Insurance.

A demand letter was issued on X/XX/XXXX for $X,XXX.XX, and foreclosure proceedings were approved due to unpaid dues since XX/XXXX. The foreclosure process continued with attorney engagement and preparation of a demand payoff statement on X/XX/XXXX. The foreclosure was temporarily suspended as the loan was reinstated after payment on X/X/XXXX, but resumed again in XXXX due to subsequent non-payment.

N/A

Minor title discrepancies were identified and resolved before proceeding with foreclosure actions. These issues included legal description errors corrected by an affidavit.

Annual county taxes were paid from the borrower's escrow to the xx county treasurer for the years XXXX and XXXX.

N/A

A loan modification was discussed and the borrower was provided with options to apply for a loan modification or other repayment plans to address the delinquency.

N/A

The borrower initially attempted to negotiate a repayment plan offering $X,XXX followed by double payments in future months, which was declined. Subsequently, a reinstatement payment was made on X/X/XXXX, bringing the loan current temporarily.

N/A

443744

XXXX

Delinquent Taxes

Communications noted attempts to contact XXXX XXXX and a series of emails surrounding payment discussions from January XXXX to April XXXX. Inquiries were made regarding repayment amounts, monthly payments, and potential errors in account handling. XXXX confirmed sending payments and eventually reinstated her account by May XXXX.

Multiple attempts to engage with XXXX regarding missed payments, potential demand, and full reinstatement amount were made. Payments for specific months were missed, leading to collection status and foreclosure attempts. Assistance and reinstatement quotes were provided to resolve outstanding balances, resulting in eventual reinstatement of loan.

N/A

Foreclosure proceedings were initiated due to missed payments, with multiple demands and reinstatement communications. Various emails and requests for reinstatement figures and loan histories were exchanged. A motion to dismiss was filed by XXXX, addressed in a scheduled hearing. Full reinstatement was eventually received via cashier’s check in April XXXX, leading to the cancellation of foreclosure.

N/A

Delinquent county taxes for XXXX were noted, resulting in a tax lien certificate sold. Attempts were made to contact XXXX regarding the delinquent taxes. xx county taxes for XXXX were confirmed paid through XXXX, with upcoming dues noted for March XX, XXXX.

A motion to dismiss was filed against foreclosure proceedings, with efforts to address allegations of improper application of payments. The motion resulted in a hearing on May X, XXXX, and eventual dismissal after payment and reinstatement efforts.

N/A

A proposed modification offer was discussed in April XXXX, including potential mediation and repayment plans. The borrower agreed to a payment plan to reinstate the loan in full, altogether cancelling the foreclosure.

N/A

Initially discussed during modification but eventually settled, leading to overall reinstatement of the loan.

N/A

683336

XXXX

Contact with borrower is primarily through the billing statement generated and sent monthly from March XXXX through February XXXX. Additionally, homeowner policy renewals were made in September XXXX with XXXX. No direct discussion with the borrower is noted.

N/A

The borrower has consistently paid county taxes from escrow to xx County for the years XXXX and XXXX. Payments include $XXX.XX and $XXX.XX in XXXX and $XXX.XX and $XXX.XX in XXXX. Tax payments were wired through XXXX to the tax office.

N/A

811164

XXXX

Active Bankruptcy

On X/XX/XXXX, XXXX XXXX confirmed receipt of the forbearance documents and noted payment arrangements. On X/X/XXXX, XXXX contacted to process a payment and discussed outstanding balances. The last noted borrower contact occurred on X/XX/XXXX, where XXXX inquired about tax and insurance payments but was informed that attorney authorization was required to proceed with the conversation.

N/A

On X/XX/XXXX, a Chapter XX bankruptcy was filed under case number XX-XXXXX. The proof of claim was filed on X/XX/XXXX, showing arrears of $X,XXX.XX. Multiple interactions and referrals were made to manage the bankruptcy process, including communication between XX and XXXX law firm. As of X/XX/XXXX, the arrears are recorded as $X,XXX.XX, with GAP claims owed as well.

N/A

The forbearance agreement was put on hold after initial processing began on X/XX/XXXX due to pending payments. It was later approved and executed, with multiple communications occurring in March and April XXXX to confirm receipt of documents and payment. The plan was finally set up on X/XX/XXXX with terms including payment deferment and interest considerations.

N/A

743874

XXXX

On XX/XX/XXXX, XXXX confirmed property details and discussed insurance policy updates with XXXX; borrower opted for mailed billing statements on XX/XX/XXXX.

No comments indicate the reason for default, with notes showing payments are contractually current and no delinquencies have been found.

From various updates, insurers have changed due to address issues and new policy requirements. Since receiving a new policy from XXXX and later transitioning to XXXX, no major property condition issues have arisen, only administrative tracking and corrections.

N/A

On XX/XX/XXXX, borrower acknowledged reading fraud reduction tips on the website.

N/A

On XX/XX/XXXX, xx County taxes were paid, disbursed from escrow, wired to XXXX; XXXX taxes were similarly handled on XX/XX/XXXX.

N/A

On XX/XX/XXXX, a data audit corrected errors including removing an incorrect NSF fee and ensuring documentation was specific to this loan.

407359

XXXX

On XX/XX/XXXX, a call was made by the borrower after verifying identity through the IVR system. On XX/XX/XXXX, spoke with XXXX for clarification on investor name change and verified his identity.

Several interactions confirm no specific reason for delinquency as payments are up-to-date, and any potential issues such as Bankruptcy or modification aren't present.

N/A

On XX/XX/XXXX and XX/XX/XXXX, borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

On XX/XX/XXXX, XXXX was added to the contact screen as vested per Mortgage and Title & Property search.

Multiple checks indicate taxes are paid up to date. xx City website updates confirm city taxes are paid through various quarters with upcoming dues addressed beforehand.

N/A

On XX/XX/XXXX, it's confirmed that no modifications were found, including PMI or government programs.

N/A

969990

XXXX

Deceased Borrower,

On XX/XX/XXXX, XXXX contacted regarding repayment options amid financial challenges, traXXerring the call to the account manager. On XX/XX/XXXX, XXXX inquired about sending payment via XXXX. Significant exchanges continued, with her confirming payments due and plans to wire amounts to rectify arrears. The last contact noted was on XX/XX/XXXX when XXXX was reminded about the pending repayment.

Throughout XXXX and early XXXX, XXXX expressed financial difficulties, primarily due to delays in making payments. Despite having two jobs, she often struggled to meet the repayment plan, resulting in requests for alternative arrangements to bring the loan current.

There were ongoing issues with insurance cancellation and renewal requests throughout XXXX, indicating potential property condition instability; however, no direct mention of property damage was made.

Multiple outbound calls and emails were sent in late XXXX and early XXXX as part of foreclosure loss mitigation efforts. A foreclosure demand letter was prepared for January XXXX. A recent demand was sent on XX/XX/XXXX for $X,XXX.XX; however, funds were received and a demand cancellation was noted due to a workout agreement.

N/A

Paid county taxes regularly from XXXX to XXXX, indicating active management of tax obligations.

N/A

A Skip Trace ran for XXXX on XX/XX/XXXX indicated XXXX passing on XX/XX/XXXX.

Throughout late XXXX and early XXXX, XXXX sought loan modification options but encountered denial due to insufficient payment availability. Continued efforts were made to renegotiate payments and align on realistic repayment plans.

N/A

Starting December XXXX, XXXX agreed to a repayment plan of $XXXX monthly, though subsequent discussions adjusted the amount including short payments in March XXXX. Communication continued as payments remained in arrears, culminating in a new plan for $XXXX monthly in early XXXX.

N/A

615108

XXXX

On XX/XX/XXXX, an outbound call was made to the borrower’s cellular phone, and a message was left.

N/A

Throughout the provided interactions, tax payments for half-year periods in XXXX and XXXX were made to xx County, disbursed from escrow, and wired to XXXX for payment to the tax office.

N/A

373693

XXXX

On XX/XX/XXXX, an email was sent for borrower contact. The borrower was later contacted on XX/XX/XXXX when she discussed repayment plans due to medical bills. On subsequent discussions on XX/XX/XXXX, the repayment arrangement was finalized with a confirmed plan for payments through March.

N/A

On XX/XX/XXXX, the borrower requested an X-month repayment plan due to battling cancer and high medical bills. On XX/XX/XXXX, the borrower was approved for a X-month plan after discussions with an investor. The borrower agreed to cover payments through March and make double payments in May to bring the account current.

N/A

514508

XXXX

The borrower, XXXX, had regular contact regarding payment setups. On XX/XX/XXXX, a payment of $XXXX was discussed and processed. On XX/XX/XXXX, another similar payment setup occurred. The latest notable interaction was on XX/XX/XXXX, confirming a similar payment amount. Throughout the period, all payment processes were verified and authorized.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid in the amount of $XXXX.XX for xx County and xx County Tax Collector, respectively. The funds were disbursed from the escrow account and wired to XXXX for payment to the tax office.

N/A

808568

XXXX

On XX/XX/XXXX, there was an outbound call with the borrower, XXXX, discussing the removal of PMI upon request at XX% of the original value. On the same day, a voicemail was received from XXXX requesting a callback.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, the XXXX county taxes amounting to $XXXX.XX were paid to xx County. On XX/XX/XXXX, the XXXX county taxes of $XXXX.XX were also paid to xx County.

N/A

978657

XXXX

On XX/XX/XXXX, borrower refused consent to share private and credit data with outside entities and XX. On the same day, borrower updated notification settings and billing delivery preferences via the website. Last borrower interaction on XX/XX/XXXX included similar refusals and updates to settings for notification alerts, emphasizing privacy preferences.

N/A

On XX/XX/XXXX, borrower acknowledged reading tips to help reduce fraud on the website. On XX/XX/XXXX, borrower again acknowledged reading fraud reduction tips. Both acknowledgments were recorded as part of efforts to enhance awareness about fraud prevention.

N/A

Paid county taxes for the XXXX and XXXX periods amounting to $XXX.XX each to xx County, disbursed from escrow and wired funds to XXXX for payment on XX/XX/XXXX and XX/XX/XXXX respectively. Additionally, uploaded Year-End Tax Documents for XXXX on XX/XX/XXXX.

N/A

690080

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX called regarding escrow payment and XX was accepted. On XX/XX/XXXX, borrower settings were updated on the Borrower Website. Multiple interactions took place on XX/XX/XXXX regarding payment issues. On XX/XX/XXXX, XXXX called and accepted XX notice.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Payments were disbursed for various county taxes including on XX/XX/XXXX for $XXXX.XX, XX/XX/XXXX for $XXXX.XX, XX/XX/XXXX for $XXXX.XX, and XX/XX/XXXX for $XXXX.XX.

N/A

545740

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX emailed XXXX about taking over as Asset Manager, ensuring communication channels for any necessary discussions about account management. The most recent interaction was on XX/XX/XXXX, urging resolution of delinquent property taxes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

On XX/XX/XXXX, the borrower had a balance of $X,XXX.XX for XXXX county taxes and $XX,XXX.XX due for XXXX taxes. Numerous calls and emails were sent to the borrower throughout XXXX, urging them to resolve their delinquent taxes to avoid potential tax sale by XXXX. Communication repeated in XXXX, noting a balance of $XX.XX for XXXX/XXXX taxes and indicating further delinquent amounts for succeeding years.

N/A

666169

XXXX

On XX/XX/XXXX, contact with the borrower was confirmed when they changed their mailing address. Follow-up interactions occurred in October XXXX regarding insurance-related queries, wherein the borrower confirmed their identity and communicated changes to their home insurance policy, which subsequently sought confirmation of receipt from the servicer.

N/A

Multiple acknowledgements made by the borrower and co-borrower on XX/XX/XXXX and XX/XX/XXXX, regarding reading tips to help reduce fraud. The borrower and co-borrower refused consent to share private data and credit data with affiliates on the same dates.

N/A

On XX/XX/XXXX, it was noted that taxes are paid and current, with the next payment due on XX/XX/XXXX. Subsequently, on XX/XX/XXXX, it was confirmed that taxes for the XXXX/XXXX tax year are paid, and information on upcoming tax due dates for XXXX/XXXX was provided.

N/A

751463

XXXX

On XX/XX/XXXX, borrower submitted an inquiry regarding their account status and payment details. On XX/XX/XXXX, XXXX called from a provided number to discuss escrow payment setup for $X,XXX.XX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. On XX/XX/XXXX, the borrower acknowledged reading fraud prevention tips again.

N/A

On XX/XX/XXXX, a payment of $XXXX.XX was made for county taxes to xx county sheriff, disbursed from escrow. Similarly, on XX/XX/XXXX, a tax payment of $XXXX.XX was made from escrow for xx county.

N/A

442891

XXXX

On XX/XX/XXXX, the borrower contacted through email expressing difficulty in making a payment online. On XX/XX/XXXX, there were multiple email correspondences regarding resolving this issue. On XX/XX/XXXX, the borrower returned a call and discussed the payment setup and escrow shortage, deciding to pay online after traXXerring funds. The borrower expressed further difficulties in online payments on XX/XX/XXXX and a password reset was requested on XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on the website to help reduce fraud. On XX/XX/XXXX and XX/XX/XXXX, the borrower refused consent to share credit and private data with affiliates and outside entities.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $X,XXX.XX. On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $X,XXX.XX, both disbursed from escrow and wired to XXXX for payment to the respective tax offices.

N/A

755929

XXXX

The borrower was contacted multiple times from February XXXX to February XXXX for various payment and account inquiries. Key interactions include a call on May X, XXXX, about issues logging online and a discussion about insurance payment on January XX, XXXX. The latest contact was made on October XX, XXXX, to discuss the insurance funds release process.

N/A

In October XXXX, the borrower filed an insurance claim for roof damage caused by a hailstorm. They were in possession of an insurance check amounting to $XX,XXX.XX for repairs. Discussions about the claim and necessary documentation for disbursing funds occurred throughout October and November XXXX. The insurance process included the provision of letters of satisfaction and completion.

N/A

In October XXXX and November XXXX, the borrower acknowledged reading tips to help reduce fraud on their website.

N/A

County taxes were periodically paid, with payments noted in April XXXX, November XXXX, April XXXX, November XXXX, and January XXXX, all disbursed from escrow.

N/A

In December XXXX, an error involved shorting escrow to post a payment; a letter was mailed to the borrower regarding the payment change and old payment amount.

965935

XXXX

The borrower, XXXX, frequently contacted customer service to set up check by phone payments throughout the period. Notable discussions occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where XXXX authorized transactions and verified her personal details. The last noted contact was on XX/XX/XXXX, where XXXX confirmed her details and made a payment.

N/A

401871

XXXX

N/A

On XX/XX/XXXX, XXXX county taxes were paid to xx County, with funds disbursed from escrow and wired to XXXX. Similarly, on XX/XX/XXXX, XXXX county taxes were paid to xx County Tax Collector from escrow, with funds again wired to XXXX for payment.

N/A

444185

XXXX

The series of communications primarily involved the borrower inquiring about changes in escrow and monthly payments in mid-XXXX, including on XX/XX/XXXX, when there was a detailed email exchange about recent escrow changes and potential updates in payments. By XX/XX/XXXX, the borrower had confirmed they would adjust their payments. The most recent contact was on XX/XX/XXXX, when the borrower confirmed they understood payment and escrow changes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on fraud prevention on the Borrower Website and refused to share credit data with XX.

N/A

The account activities included paying city taxes consistently using funds from escrow for XXXX, XXXX, and XXXX. For example, on XX/XX/XXXX, payment for XXXX XQ taxes was made.

N/A

401433

XXXX

On XX/XX/XXXX, received an inbound call from XXXX, confirming the payment for February and discussing the upcoming due payment. Previously, on XX/XX/XXXX, took a call from XXXX regarding the Annual Escrow Account and making a payment for the shortage. Outbound calls were made in October XXXX and XXXX, attempting contact but receiving no answer or leaving messages.

N/A

Paid XXXX county taxes were disbursed from escrow in the amount of $XXXX.XX to xx county on XX/XX/XXXX. The XXXX county taxes amounting to $XXXX.XX were similarly disbursed from escrow on XX/XX/XXXX.

N/A

866991

XXXX

On X/XX/XXXX, contact with the borrower involved discussing escrow account payments and ensuring taxes are not paid by the borrower. On X/XX/XXXX, the borrower was informed of a payment increase and agreed to adjust the difference online. Follow-up contact involved voicemail messages.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX XH county taxes were paid in the amount of $X,XXX.XX to xx County. Similar payments were processed on X/XX/XXXX and XX/X/XXXX for different tax charges, disbursed from escrow via XXXX.

N/A

788960

XXXX

Regular payment notifications were sent to the borrower's email and billing statements were frequently generated. On XX/XX/XXXX, the borrower was contacted via email regarding an increase in the monthly payment due to escrow changes. The borrower acknowledged receipt of this information.

N/A

In XXXX and XXXX, county taxes in the amounts of $XXXX.XX and $XXXX.XX respectively were paid to xx County by disbursing from escrow accounts.

N/A

No evidence of any modifications found throughout the timeline.

N/A

673589

XXXX

On XX/XX/XXXX, contact with XXXX was verified regarding a short payment issue and the need for an update. Discussions included the payment's unapplied balance and upcoming new payment details. XXXX agreed to update her payment online, considering the new amount and late fees.

N/A

396476

XXXX

Multiple contacts were made with the borrower between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, verification was done by cellular call, confirming SS#, and additional details. On XX/XX/XXXX, several outbound calls made to verify insurance changes, discussing refund applications with agent XXXX. On XX/XX/XXXX, xx contacted, and escrow refund allocation was discussed.

N/A

Acknowledged reading tips to help reduce fraud by user XXXX on XX/XX/XXXX.

N/A

County taxes for XXXX and XXXX were paid on XX/XX/XXXX and XX/XX/XXXX, respectively, with amounts disbursed from escrow. Taxes for XXXX were paid on XX/XX/XXXX for the first half, disbursing funds previously wired to XXXX for payment.

N/A

Reviewed on XX/XX/XXXX and confirmed no modification is on file. The loan details were reviewed thoroughly with the maturity date set for XX/XX/XXXX.

N/A

724168

XXXX

On XX/XX/XXXX, the borrower called to inquire if the July payment had been received, however, the payment was still showing as due.

The borrower experienced an increase in their payment, but initially sent in the old payment amount, resulting in a shorted escrow to post a payment. Necessary follow-up actions were initiated to ensure the borrower was aware and adjusted their payment accordingly.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

City taxes were paid semi-annually from escrow in the amounts of $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX to xx City.

N/A

601201

XXXX

On XX/XX/XXXX, the borrower expressed concern over a missed payment suspected to be automatically deducted. Contact was updated multiple times through May. On XX/XX/XXXX, the borrower raised concerns about payment settings and required assistance from a Spanish speaker.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Throughout XXXX and XXXX, the borrower paid county taxes in xx County for both halves of the year, as disbursed from escrow.

N/A

938864

XXXX

On XX/XX/XXXX, an incoming call was received from XXX-XXX-XXXX where the borrower, XXXX, after verifying her identity, inquired about the insurance premium amount. She was informed by AM XXXX that the monthly premium is $XXX.XX and $XXXX.XX annually.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $XXXX.XX to xx County, disbursed from escrow, with funds wired to XXXX. Similarly, on XX/XX/XXXX, county taxes for XXXX of $XXXX.XX were paid to the xx tax commissioner using the same method.

N/A

474603

XXXX

On XX/XX/XXXX, the borrower contacted customer service regarding the discrepancies between the payments made and those reflected in the billing statement. The borrower expressed confusion over double billing since accounts were shown as contractually current. Issues arose due to the payment not being moved from suspense until mid-month, leading to a discussion about revising online bill pay settings to the correct amount.

The borrower faced issues with payments due to an invalid autopay setup, leading to returned payments. This caused late fees to be levied against their account, and financial confusion ensued. Payments were noted as being only slightly less than the required amount, causing delays in posting which led to the borrower being in arrears for several months.

N/A

On XX/XX/XXXX, the borrower inquired about the status of foreclosure proceedings and whether action was needed to halt the process.

N/A

On XX/XX/XXXX, the borrower acknowledged reading fraud prevention tips on the website.

N/A

The borrower's taxes are paid and current, as noted on XX/XX/XXXX, with the next due date listed as XX/XX/XXXX.

N/A

779367

XXXX

Delinquent Taxes

On XX/XX/XXXX, contact with the borrower XXXX confirmed insurance policy details and discussed payment options, including bi-weekly payment setup starting on XX/XX/XXXX. Another contact on XX/XX/XXXX reiterated the change to bi-weekly payments and informed about payment amounts. Subsequent updates reflected adjustments to the payment schedule.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on fraud reduction through the website, indicating some awareness or concern about potential fraud risks.

N/A

On XX/XX/XXXX, $X,XXX.XX were disbursed from escrow to pay XX County taxes, with another similar tax disbursement of $X,XXX.XX on XX/X/XXXX.

N/A

487078

XXXX

On XX/XX/XXXX, borrower was contacted regarding escrow shortage and agreed to spread shortage over XX months. Discussions continued through early XXXX to adjust automatic payments due to insufficient funds. On XX/XX/XXXX, borrower returned from xx to address a missed payment, with further payment scheduling confirmed via email on XX/XX/XXXX.

The comments indicate no specific reason for delinquency; account remains contractually current with no recorded signs of Bankruptcy (BK) or modifications needed.

N/A

Multiple payments of county taxes were made, specifically $XXXX.XX for XXXX and $XXXX.XX for XXXX, ensuring taxes were up to date by wire traXXers to the xx County Treasurer via XXXX.

N/A

All payment schedules and automatic payments were adjusted as per new escrow requirements, with changes communicated via email and authorized by the borrower.

N/A

562007

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX reported her purse was stolen and checked whether her November Xst payment would go through. On XX/XX/XXXX, XXXX inquired about mortgage assistance options due to financial difficulties.

On XX/XX/XXXX, XXXX mentioned she is on a fixed income and faced a double payment issue with Medicare. She is considering contacting XXXX to discuss options to spread the escrow payment due to her disability and senior status.

N/A

On XX/XX/XXXX, county taxes for XXXX amounting to $X,XXX.XX were paid to xx County, disbursed from escrow. On XX/XX/XXXX, county taxes for XXXX were paid amounting to $X,XXX.XX, disbursed again from escrow to the xx county tax collector.

N/A

435345

XXXX

On XX/XX/XXXX, the borrower made a payment with the aid of customer service. Subsequent contacts were documented on X/X/XXXX, X/X/XXXX, X/X/XXXX, X/X/XXXX, X/X/XXXX, X/X/XXXX, X/X/XXXX, X/XX/XXXX with XXXX making payments and on XX/XX/XXXX, XXXX discussed illness-related payment delays and was advised on a partial payment proposal.

N/A

There were periodic payments made for city taxes to xx City, such as payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all disbursed from escrow.

N/A

There are indications of modification on file, shown in updates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, confirming a modification plan.

N/A

736673

XXXX

On XX/XX/XXXX, an outbound call was attempted to reach the borrower at the provided cellular, but there was no answer.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes for xx County were paid, amounts disbursed from escrow amounted to $XXXX.XX and $XXXX.XX respectively.

N/A

668530

XXXX

The most recent contact was on February XX, XXXX, when a payment was made. Notable discussions on XX/XX/XXXX addressed payment issues, and the need to adhere to settlement terms was emphasized.

The borrower experienced excessive obligations, leading to delinquency in March XXXX. Payment arrangements were made to bring the account current.

N/A

In October XXXX, foreclosure proceedings were approved by XXXX. However, a significant payment was made on October XX, XXXX, to prevent foreclosure with ongoing follow-up on the case.

N/A

On April XX, XXXX, the borrower acknowledged fraud prevention tips, though there are no indications of fraud in the dealings noted.

N/A

Property taxes for various periods in XXXX and XXXX were paid in amounts of $XXX, $XXX.XX, and $XXX.XX, noted in April, October XXXX, and October XXXX respectively.

N/A

From March XXXX, attempts were made to set up repayment plans to bring the loan current, but failed due to the borrower not adhering to terms. Finally, by October XXXX, payments were settled, including a large sum to prevent foreclosure.

N/A

787475

XXXX

Throughout the period from XXXX to XXXX, XXXX XXXX consistently called to make payments, verified information such as property address, SSN, and bank details multiple times. Numerous calls specified that payments included late fees and expressed concern over billing notices. Regular confirmations and authorizations were given to staff. On XX/XX/XXXX, XXXX XXXX called to make a payment for $X,XXX.XX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, payments were made from escrow for XXXX county taxes to xx County. Similarly, on XX/XX/XXXX, xx County taxes for the first half of XXXX were paid, and on XX/XX/XXXX, the second half of XXXX county taxes were paid. The installment for the first half of XXXX was paid to xx County on XX/XX/XXXX.

N/A

649704

XXXX

Interactions with borrower XXXX XXXX occurred frequently regarding payment processing. Last contact was recorded on XX/XX/XXXX, where XXXX verified personal information and set up a payment, confirming understanding of the details. Multiple instances of verifying payment details and traXXerring calls were noted throughout months, indicating consistent communication and confirmation of bank-related information.

N/A

Various policies have been renewed and disbursed, including flood insurance and homeowners insurance. Policies from XXXX were updated and forwarded for payment, maintaining compliance with the correct clauses.

N/A

County taxes for XXXX and XXXX have been paid and disbursed from escrow to xx County. These payments ensure adherence to tax obligations for the property.

N/A

623360

XXXX

Throughout the period covered, the borrower engaged frequently through the website for payment verifications and notifications. A notable interaction involved a request for a loan status update via email on XX/XX/XXXX, which was addressed by the service team.

N/A

The borrower acknowledged reading tips to help reduce fraud several times on the Borrower Website, demonstrating proactive measures to safeguard against fraudulent activities.

N/A

Tax documents reflecting paid school and county taxes were found for xx and xx County on various dates. Tax documents for the year-end XXXX were uploaded for processing, addressing any tax liabilities concerning the property.

N/A

755164

XXXX

Delinquent Taxes

Frequent interactions were held with XXXX, often confirming personal details and arranging payments. Significant contacts include calls on XX/XX/XXXX for payment setup, XX/XX/XXXX for late balance payment, XX/XX/XXXX for August and September payments, XX/XX/XXXX for November and December payments, and further check-in for payments across various dates into XXXX. Contacts included details verification and payment confirmations, such as on XX/XX/XXXX to pay an escrow difference.

N/A

On various dates, county taxes were paid on behalf of the borrower, including $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, all disbursed from escrow and wired to XXXX. Several payments included a $X duplicate bill fee.

N/A

364441

XXXX

On XX/XX/XXXX, communication with the borrower clarified the return of tax payments to his escrow account. On XX/XX/XXXX, the borrower was confused about the increase in escrow and contacted the servicer to discuss the situation and subsequently updated his monthly recurring payment.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX county taxes were paid to xx County in the amount of $XXX.XX. Again, on XX/XX/XXXX, the XXXX county taxes for $XXX.XX were paid. However, a refund for duplicate payment of $XXX.XX was received on XX/XX/XXXX and XX/XX/XXXX.

N/A

669763

XXXX

On XX/XX/XXXX, XXXX called regarding loan status and payment frequency, with plans to discuss future payments with her husband. On XX/XX/XXXX, XXXX inquired about a call received due to a payment set up on a closed account and acknowledged the need to set up a new bank account.

N/A

Inquiries into potential fraud were made by the borrower regarding alerts on the XX website on XX/XX/XXXX. The borrower was informed that the alert was a generic warning against potential frauds and scams.

N/A

Multiple payments were made towards county taxes from the escrow account, including $X,XXX.XX on XX/XX/XXXX for XXXX taxes and $X,XXX.XX on XX/XX/XXXX for XXXX taxes.

N/A

During a check-up on XX/XX/XXXX, it was noted that there is no modification found on the account.

N/A

515095

XXXX

On March XX, XXXX, XXXX XXXX left a voicemail acknowledging being behind on payments, and aimed to catch up by month's end. On April XX, XXXX, further assistance was provided for hardship applications, discussing household income and necessary documentation for updating loan status due to delinquency caused by income gaps. Subsequent updates and inquiries about payment and hardship assistance were frequent including detailed discussions on hardships and mortgage delinquency assistance up to December X, XXXX.

On April Xth, XXXX, borrower submitted an inquiry regarding short term income gap hardship affecting mortgage payments. The borrower expressed the need for hardship application assistance. By April XXth, they informed that they were waiting for unpaid earnings and reassured that they were qualified for MiHAF assistance, with Social Security income beginning, indicating efforts to manage the situation better.

On October XX, XXXX, borrower inquired about cosigning an insurance claim check, as they needed assistance depositing it. Subsequently, there was a back and forth regarding the process for sending the check for endorsement and related documents, given a hail damage roof replacement scheduled for October XX, XXXX.

On July XX, XXXX, borrower expressed concern about being in pre-foreclosure. They were reassured the payment date adjustment was fine. Multiple instances of email and call communications indicated ongoing checks and reassurances to avoid foreclosure, with payment arrangements made through hardship considerations.

N/A

Tax payments were disbursed from escrow throughout the service period, including city taxes for specified amounts and disbursement dates - with the latest recorded on December XX, XXXX.

N/A

On October XX, XXXX, borrower discussed modification options with XXXX, mentioning past work done in XXXX, and evaluating current investor requirements for loan payoff or refinancing.

N/A

Payment notifications indicate various repayment actions, ensuring consistent communication regarding exact payment dates and amounts executed for borrower website payments from May through December.

N/A

352714

XXXX

On XX/XX/XXXX, a welcome call confirmed contact with XXXX, covering property address and home insurance inquiries. Continued contact was maintained through various calls, with a significant call on XX/XX/XXXX regarding unapplied balance concerns, where explanations and confirmations were provided. Last noted contact was an outgoing call on XX/XX/XXXX, with no answer.

N/A

On XX/XX/XXXX, the xxQuestionnaire was sent to initiate foreclosure. Approval was held pending receipt of a completed questionnaire and a title search. However, on XX/XX/XXXX, it was noted that the xx is pre-first legal, leading to closure instructions for the attorney.

On XX/XX/XXXX, a PACER search was conducted confirming no new bankruptcies were filed. A previous Chapter X bankruptcy (Case #XX-XXXXX) had been discharged on XX/XX/XXXX.

Acknowledgment of fraud prevention tips was done on XX/XX/XXXX by the borrower.

N/A

On XX/XX/XXXX, it was confirmed that taxes are current with the next payment due on XX/XX/XXXX. On XX/XX/XXXX, city taxes for the year XXXX were paid in the amount of $X,XXX.XX.

N/A

The borrower was engaged in a modification process with trial payments, confirmed on XX/XX/XXXX. A modification was pending review as of XX/XX/XXXX, with final documents approved on XX/XX/XXXX. The modification became effective on XX/XX/XXXX, reducing the interest rate to X.X% with adjusted payment terms.

N/A

503942

XXXX

On XX/XX/XXXX, XXXX XXXX emailed about the completion and documentation of roof work at XXX XXXX. Ongoing communication from XX/XX/XXXX included detailing insurance claims and processing checks with XXXX XXXX.

N/A

Multiple interactions involved processing an insurance claim for roof damage. On XX/XX/XXXX, a customer service call inquired about handling an insurance check of $XX,XXX and required paperwork. On XX/XX/XXXX, necessary documentation, including the adjuster's report and contractor's license, was received. Subsequently, checks from xx were processed and disbursed partially on XX/XX/XXXX, with further disbursements related to work completion.

N/A

On XX/XX/XXXX, the account was checked for any bankruptcy proceedings, confirming none were found.

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

Taxes for both XXXX and XXXX were paid from escrow, including city and parish taxes. XXXX city taxes were paid on XX/XX/XXXX for $XXX.XX, and parish taxes on XX/XX/XXXX for $X,XXX.XX. For XXXX, city taxes were paid on XX/XX/XXXX for $XXX.XX, and parish taxes on XX/XX/XXXX for $X,XXX.XX.

N/A

On XX/XX/XXXX, it was confirmed that no modifications were found on the account.

N/A

977111

XXXX

The last substantive contact occurred on XX/XX/XXXX. XXXX XXXX was verified through her social security and discussed with the former asset manager XXXX about her payments. She proceeded with a check-by-phone payment confirming $XXX.XX. She was repeatedly advised to make necessary payments after former Asset Manager XXXX was reassigned, initially leading to dispute. Her interaction throughout involved concerns about discussing her account with others. Payments were regularly made via check-by-phone with multiple confirmations documented, including escalating arrear warnings indicating a need to bring current.

N/A

Multiple foreclosure-related actions began with the preparation of post-demand payoff statements in March XXXX, culminating in a scheduled sale date of April XX, XXXX. Numerous communications and approvals concerning bidding instructions were processed throughout March and April. However, on April XX, XXXX, the foreclosure process was canceled due to reinstatement, following the receipt of a $XX,XXX wire traXXer from the borrower, XXXX.

N/A

Tax payments for xx County were confirmed current through XXXX, with upcoming dues in June and December XXXX. xx taxes were similarly paid through XXXX, with new dues set for December XXXX.

N/A

711740

XXXX

On XX/XX/XXXX, outbound and inbound communications occurred with borrower XXXX, concerning the removal of Mortgage Insurance. Numerous calls and emails were exchanged to confirm details.

N/A

On XX/XX/XXXX, fraud reduction tips were acknowledged by the borrower on the website.

N/A

Taxes for XXXX were paid to xx County and xxTown on XX/XX/XXXX and XX/XX/XXXX respectively, disbursed from escrow and wired to XXXX.

N/A

953035

XXXX

On XX/XX/XXXX, the borrower confirmed their mailing and property address and discussed the seamless refinancing of the loan. On XX/XX/XXXX, the co-borrower updated their billing statement preferences and refused consent to share private data with affiliates. Communication continued with regular monthly billing and status checks up to XX/XX/XXXX.

On XX/XX/XXXX, it was noted that the account is current with no delinquencies, and no bankruptcies were found.

N/A

On XX/XX/XXXX, determined that there were no bankruptcies found associated with the account.

Acknowledged reading tips on XX/XX/XXXX and XX/XX/XXXX for reducing fraud on the Borrower Website by co-borrower, indicating awareness and preventive measures against fraud were being emphasized.

N/A

On XX/XX/XXXX, an escrow shortage of $XXX.XX was identified, to be spread over XX months. Taxes for various periods in XXXX and XXXX were paid to xx County, ensuring compliance with property tax obligations.

N/A

898212

XXXX

On XX/XX/XXXX, the borrower inquired about an updated escrow analysis and insurance payments. On XX/XX/XXXX, a follow-up confirmed no renewal was sent, advising the borrower to contact their insurer. The most recent contact on XX/XX/XXXX involved discussions about Homeowners Insurance obligations and payment resolutions.

N/A

The borrower acknowledged tips to help reduce fraud on several occasions, demonstrating awareness of potential fraud risks through the website.

N/A

The borrower is up to date with county and school taxes. Payments were disbursed using escrow funds for school and county taxes in XXXX and XXXX.

N/A

679202

XXXX

On XX/XX/XXXX, the borrower contacted for online account access issues and requested an EOY statement. On XX/XX/XXXX, borrower discussed billing and escrow issues, expressing concern over increasing bills. On XX/XX/XXXX, borrower requested billing statements or payment history for the last XX months. On XX/XX/XXXX, confirmed contact information and discussed XX-month payment history.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

Town taxes for XXXX were paid on XX/XX/XXXX, and school taxes for XXXX were paid on XX/XX/XXXX from escrow. Town taxes for XXXX were paid on XX/XX/XXXX, and school taxes for XXXX were paid on XX/XX/XXXX from escrow.

N/A

897490

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX reached out to set up a payment with a late fee and acknowledged the need to handle an insurance issue. She authorized funds processing and spoke about reinstatement and the FPI fee with XX.

Throughout various interactions, XXXX frequently discussed financial challenges impacting payment timelines. Conversations highlighted her preference for monthly payments and reluctance to adopt a repayment plan despite being behind on payments consistently.

N/A

Property taxes were paid twice in XXXX and XXXX from escrow payments to xx Township, ensuring compliance with tax obligations.

N/A

529168

XXXX

On XX/XX/XXXX, a CS call was received from the borrower where she discussed her new name, an escrow analysis showing shortage due to increased taxes and insurance, and requested assistance on updating insurance details.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX county taxes were paid with an amount of $X,XXX.XX to xx County tax collector. On XX/XX/XXXX, XXXX county taxes were paid with an amount of $X,XXX.XX to xx County, disbursed from escrow.

N/A

877366

XXXX

On XX/XX/XXXX, XXXX inquired about her Homeowners Insurance policy and confirmed the payment. On XX/XX/XXXX, XXXX called regarding policy changes from XXXX. On XX/XX/XXXX, borrower sent in an old payment amount despite a change in payment. On XX/XX/XXXX, XXXX called concerned about billing not reflecting her automatic payment. On XX/XX/XXXX, XXXX noticed discrepancies in drawn payments. On XX/XX/XXXX, XXXX discussed reversal for December payment. On XX/XX/XXXX, XXXX emailed customer service to update her mailing address due to relocation from xx, TX to xxI. On XX/XX/XXXX, XXXX inquired about insurance and tax payments from her EOY statement.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, paid county taxes in the amount of $X,XXX.XX to xx County. On XX/XX/XXXX, paid county taxes of $X,XXX.XX to xx County Tax Collector disbursed from escrow. Year-end tax documents for XXXX were uploaded to a print vendor on XX/XX/XXXX.

N/A

965222

XXXX

There were consistent updates about billing statements sent to the borrower. Regarding tax payments, the borrower is recorded as paid and current for County and Town taxes, with the next due date on XX/XX/XXXX. Disbursements for Homeowners Policy occurred on XX/XX/XXXX and XX/XX/XXXX.

N/A

Throughout the timeline, taxes for the town of xx andxx xx County were frequently paid and disbursed from escrow. Significant transactions included town taxes payments on XX/XX/XXXX, XXXX XH county taxes on XX/XX/XXXX, XXXX XH county taxes on XX/XX/XXXX, XXXX XH county taxes on XX/XX/XXXX, and XXXX town taxes on XX/XX/XXXX. Annual escrow analysis led to adjustments with a notable shortage spread across XX months on XX/XX/XXXX.

N/A

662404

XXXX

On XX/XX/XXXX, borrower XXXX contacted regarding an outdated billing issue and received clarification on escrow shortages and billing. On XX/XX/XXXX, she requested tax-related documents. Throughout late XXXX and early XXXX, several calls and emails were exchanged concerning escrow account inquiries, payment adjustments, and document requests.

N/A

Throughout the provided periods, there were instances of county taxes being paid from the escrow account, notably on XX/XX/XXXX and XX/XX/XXXX. These payments were made to xx County, handled through XXXX for disbursement to the tax office, indicating proactive management of the tax obligations associated with the property.

N/A

On XX/XX/XXXX, the borrower expressed frustration with constant errors in billing, explaining she did not apply for a modification which had led to erroneous communication. This indicates potential servicer errors in account handling.

734345

XXXX

On XX/XX/XXXX, a customer service call confirmed payment and EA details with XXXX. On XX/XX/XXXX, an inbound call confirmed payment processing details, with identity verified via IVR.

N/A

On XX/XX/XXXX and again on XX/XX/XXXX, the borrower refused consent to share private and credit data, and acknowledged reading tips to reduce fraud.

N/A

On XX/XX/XXXX, XH county taxes for XXXX were paid from the escrow account. On XX/XX/XXXX, XH county taxes for XXXX were similarly settled.

N/A

738047

XXXX

Numerous interactions with XXXX, providing confirmation numbers and verifying identity. Notable instances of communication include March X, XXXX, May XX, XXXX, and August XX, XXXX. The borrower consistently authorized payments, with changes noted in escrow affecting the amounts due. The last contact was on April XX, XXXX, involving a courtesy call during the grace period with a payment setup confirmation.

N/A

Throughout XXXX and XXXX, payments were made for county taxes from escrow, including $XXXX.XX in March XXXX, $XXXX.XX in November XXXX, and $XXXX.XX in February XXXX. A subsequent payment of $XXXX.XX was made in July XXXX, and another $XXXX.XX in February XXXX, all involving coordination with XXXX for processing and including duplicate bill fees where applicable.

N/A

731983

XXXX

On XX/XX/XXXX, XXXX and XXXX made a payment on their account. Various check-by-phone payments were completed between March XXXX and February XXXX. Attempts to contact XXXX regarding payment reversals and attempts were frequent, with no answers on several dates like XX/XX/XXXX. On XX/XX/XXXX, XXXX expressed frustration over payment issues, insisting these were the lender's fault, and ultimately reinstatement of the loan was achieved by XX/XX/XXXX. Continuous reminders were sent regarding due payments, with XXXX often making calls to verify or resolve payment issues.

N/A

Multiple notices of reversed payments due to non-sufficient funds were encountered throughout XXXX and XXXX, necessitating certified funds for future payments. In April XXXX, a foreclosure demand was issued but later canceled due to full reinstatement received on XX/XX/XXXX.

N/A

In XXXX and XXXX, county taxes were paid using funds wired to XXXX for payment to the tax office.

N/A

482873

XXXX

On XX/XX/XXXX, XXXX communicated with Mr. XXXX about a late fee resulting from a missed payment in June XXXX, confirmed by bank statements. Despite resolving the payment in December XXXX, the late fee remained unpaid. Subsequent exchanges on XX/XX/XXXX, including queries about the 'bogus late fee,' led to a reiteration that the fee was valid with details provided in attachments. On XX/XX/XXXX, XXXX expressed intent to pay escrow in advance, again requesting unescrow, highlighting his financial stability and VA loan stipulations. On XX/XX/XXXX, XXXX requested information regarding escrow balance after noticing insurance costs were less.

N/A

333591

XXXX

On XX/XX/XXXX, the borrower updated the payment details via the website. On XX/XX/XXXX, the borrower submitted an inquiry regarding account status, requesting email contact.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the website. On XX/XX/XXXX, the borrower again acknowledged reading fraud prevention tips.

N/A

Tax status updates were noted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, covering due dates or confirmations of taxes being paid to the local municipalities.

N/A

334639

XXXX

On XX/XX/XXXX, the borrower made an incoming call to discuss insurance matters. They were provided with HUD information and instructed on handling the new insurance policy payment.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, a system error was identified regarding the incorrect property address on billing statements. The issue was resolved by correcting the address.

876376

XXXX

Frequent communication occurred between the servicer and borrower, primarily regarding insurance. On XX/XX/XXXX, the borrower updated insurance information to ensure no lapse in coverage. On XX/XX/XXXX, emails exchanged about confirming the Master Condo Policy coverage. By XX/XX/XXXX, the Master Condo Policy was received, the servicing corporation was listed as the certificate holder, and FPI fees were waived. There was ongoing communication regarding PMI removal as of XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, there was a request for an update on taxes and it was noted that taxes are paid through the XXXX/XXXX tax year. The first half of the XXXX/XXXX county taxes are due on XX/XX/XXXX and the second half is due on XX/XX/XXXX. Further updates on XX/XX/XXXX confirmed taxes are paid through the first half of XXXX/XXXX, with the second half due on XX/XX/XXXX amounting to $X,XXX.XX.

N/A

934058

XXXX

On XX/XX/XXXX, XXXX confirmed there was an issue with the scheduled payment. On XX/XX/XXXX, borrower called regarding credit reporting issues since May. Frequent discussions about credit reporting occurred, including requests for escalation and resolutions between December XXXX and January XXXX. An email sent on XX/XX/XXXX confirming EOY XXXX document delivery.

There are no comments indicating reasons for default.

N/A

There is mention of acknowledgment of tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX on the borrower website.

N/A

Several tax payments were made from escrow, including county taxes paid on XX/XX/XXXX, XX/XX/XXXX, and school taxes on XX/XX/XXXX. Another tax disbursement occurred on XX/XX/XXXX.

N/A

The borrower has no active modifications as noted on XX/XX/XXXX.

N/A

564053

XXXX

On XX/XX/XXXX, contact was made with XXXX, confirming personal details with XX and advised on changing the payment amount online. There was acknowledgment regarding privacy and credit data sharing refusals and advised reading tips to reduce fraud.

N/A

Throughout the timeline, county taxes were paid on multiple occasions: in March XXXX for $X,XXX.XX, December XXXX for $X,XXX.XX, March XXXX for $X,XXX.XX, November XXXX for $X,XXX.XX. These were disbursed from escrow and wired to XXXX for payment to the tax office, showing consistent handling of tax obligations without any evident issues.

N/A

908290

XXXX

On XX/XX/XXXX, XXXX contacted to clarify billing statements and annual escrow analysis. Prior contacts included confirmations of payments and discussions around plans for XXXX and XXXX. The borrower has shown consistent engagement in resolving loan issues and making payments on time, despite sporadic travel out of the country affecting payment timing.

Comments do not directly mention reasons for default.

N/A

Several comments indicate payments for county taxes disbursed from escrow. These transactions ensure taxes are paid on time, preventing any delinquent tax issues.

N/A

On XX/XX/XXXX, a modification agreement was updated, indicating ongoing efforts to adjust loan terms.

N/A

On XX/XX/XXXX, payment arrangement was deactivated due to a missed payment of $XX,XXX.XX.

N/A

700442

XXXX

On XX/XX/XXXX, XXXX discussed refinancing and interest in a payoff request. On XX/XX/XXXX, he inquired about mailing payments which were not received. Follow-ups were made over the phone on several occasions. On XX/XX/XXXX, confirmed refund processing for duplicate payments. On XX/XX/XXXX, XXXX considered switching to phone payments.

N/A

Payment of county taxes for XXXX XH and XXXX XH and XH occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Payments were made to xx City & County, disbursed from escrow, and processed through XXXX.

N/A

703020

XXXX

Active Bankruptcy

On XX/XX/XXXX, XXXX called to make a payment discussing difficulty previously experienced due to departmental connectivity issues. Communication involved several emails between him and the servicing team addressing missed payments disputes, eventually corrected due to servicer error. The borrower was inadequately informed initially but adjustments were concluded by January XXXX setting the next due payment date accurately for February XXXX.

N/A

The customer's bankruptcy case related to loan id XXXXXX (Chapter XX) has been active for over XX months with a Motion for Relief potentially needed. The post-petition balance has been brought current through modifications. Numerous interactions occurred between the servicing team and legal representatives to ensure documentation and filings were complete, with specific attention to the Notice of Final Cure response on XX/XX/XXXX. Corrections and modifications were made to bring the account up to date, marking a completion of the reconciliation process by January XXXX.

N/A

Property taxes for xx County were consistently paid from escrow, including payments of $X,XXX.XX in October XXXX and $X,XXX.XX in October XXXX.

A service traXXer inquiry was made without any ongoing litigation actions evident in recent communications regarding the borrower.

N/A

Modifications regarding the borrower's loan included a finalized modification agreement approved and executed in July XXXX. The new interest rate was updated to X% with adjusted P&I and T&I payments reflecting this change. The due diligence over the modification processes ensured smooth transition of payments including corrections related to the application of payments initially made. Waivers were granted to correct processing errors, notably in January XXXX correcting the loan due dates.

N/A

The loan account went through scrutiny relating to payment postings from the previous servicer, discovered as causing discrepancies with the borrower appearing delinquent. Adjustments resolved issues by waiving principal and interest charges incorrectly applied, setting the account correct by February XXXX.

600608

XXXX

Numerous contacts with XXXX over the months involving confirmation of personal details and payment arrangements. Payments processed for amounts ranging from $X,XXX.XX to $X,XXX.XX through check-by-phone transactions. Notable contacts include: on XX/XX/XXXX discussing loan modification application, on XX/XX/XXXX discussing July’s upcoming payment, and on XX/XX/XXXX to resolve a payment reversal issue.

N/A

Received the Homeowners Insurance policy renewal from XXXX on XX/XX/XXXX; updated tracking and clause, forwarded for payment of $X,XXX on XX/XX/XXXX.

N/A

xx County taxes paid on multiple occasions: XH XXXX taxes were paid on XX/XX/XXXX for $X,XXX.XX, including a fee, XH XXXX taxes paid on XX/XX/XXXX for $X,XXX.XX, and XXXX taxes were paid on XX/XX/XXXX and XX/XX/XXXX. The payments included duplicate bill fees.

N/A

Trial period mod payments completed and modification agreement approved on XX/XX/XXXX, followed by several follow-ups for document return. The borrower signed and returned documents by XX/XX/XXXX, and modifications were processed with the new terms effective as of XX/XX/XXXX. The fully executed mod was filed on XX/XX/XXXX.

N/A

836078

XXXX

The borrower actively engaged in communications regarding her account. On XX/XX/XXXX, a call was received from the borrower concerning payments, indicating confusion over late fees despite timely payments. Further calls reiterated these disputes, with the borrower requesting detailed breakdowns of payments and interest. The account was reviewed and details were shared with her via email on XX/XX/XXXX.

N/A

Multiple comments regarding foreclosure strategies were noted, including references to a Foreclosure Demand Letter and its cancellation due to workout and reinstatement. An attorney demand letter was requested on XX/XX/XXXX, and funds were received in response to a Foreclosure Demand Letter as of XX/XX/XXXX. Correspondence regarding demand letters was often returned, indicating issues with the provided address.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. This suggestion was reaffirmed on XX/XX/XXXX.

N/A

On XX/XX/XXXX, XXXX county taxes were paid to xx County, disbursed from escrow. Similarly, on XX/XX/XXXX, XXXX county taxes were paid, indicating active management of property tax obligations.

N/A

497185

XXXX

On May XX, XXXX, the borrower communicated via email about updating the homeowner’s insurance document. The borrower mentioned traveling but confirmed possession of the necessary documents to be sent to the asset manager. There was consistent correspondence regarding paperless billing and payments created via the borrower's website. The borrower also refused consent to share credit and private data through acknowledgments on July XX and XX, XXXX, and February XX, XXXX.

There are no comments explicitly detailing a reason for default such as job loss, divorce, or any significant change in income or employment status according to the keywords provided. The account is noted as contractually current, and no specific reason for delinquency is listed.

N/A

The borrower acknowledged reading tips to help reduce fraud on two occasions, August XX, XXXX, and August XX, XXXX. These interactions suggest awareness and an effort to prevent fraudulent activities.

N/A

The only notable interaction with taxes is consistent disbursement from escrow for county taxes paid annually to xx County, with records on December XX, XXXX, and December XX, XXXX.

N/A

The account is unmodified and maintains terms according to the Note, confirmed during a data quality audit on March XX, XXXX.

N/A

919403

XXXX

Deceased Borrower

On XX/XX/XXXX, the borrower called to check the status of an August XXXX payment. They were informed no payment was pending and planned to set up a new one. On XX/XX/XXXX, the borrower sought clarification on a potential missed installment.

On XX/XX/XXXX, the borrower inquired about a legal name change on their system, citing potential marital issues. The borrower was advised to provide a divorce certificate if the name change involves dropping 'XXXX' and using 'XXXX'.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

Payments for county taxes were disbursed from escrow on XX/XX/XXXX and XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower questioned if a modification was done by their now-deceased ex-husband, indicating awareness of potential shared legal financial history.

On XX/XX/XXXX, a note mentions a modification on file from XX/XX/XXXX, with inquiries from the borrower in September XXXX about modifying or refinancing the loan.

N/A

647750

XXXX

On XX/XX/XXXX, the borrower confirmed insurance details with the insurance agent. On XX/XX/XXXX, XXXX verified the payment for insurance with the provided HUD number. On XX/XX/XXXX, XXXX inquired about the insurance payment not being received and was given the tracking number. On XX/XX/XXXX, XXXX contacted to verify her account and requested the end-of-year mailing.

N/A

Throughout XXXX and early XXXX, county taxes were consistently paid each quarter. Payments were made to xx County and disbursed from escrow, with funds wired to XXXX for processing.

N/A

899405

XXXX

Several contacts indicate the borrower regularly engaged with account management, particularly concerning payments and escrow adjustments. Notably, on XX/XX/XXXX, the borrower communicated with customer service regarding escrow payments and adjustments.

The reviewed comments indicate no specified reason for delinquency, consistently marked as 'N/A', which suggests no concerns reported about default related reasons.

N/A

The borrower acknowledged reading tips to help reduce fraud on their website on two occasions, indicating awareness towards preventing fraudulent activities.

N/A

The escrow account was used to pay county taxes on XX/XX/XXXX and XX/XX/XXXX for amounts of $X,XXX.XX and $X,XXX.XX respectively to xx County, ensuring no further outstanding property tax issues.

N/A

Several refusals to consent to data sharing with XX and outside entities were acknowledged via the web, indicating possible servicing disputes or concerns over privacy errors.

407867

XXXX

On XX/XX/XXXX, XXXX XXXX requested early termination of PMI via email. Her husband, xx, inquired about the status on XX/XX/XXXX. The request was denied, and she was notified via email on XX/XX/XXXX. On XX/XX/XXXX, XXXX contacted to confirm the payment of her HOI and discussed the removal of PMI, which required written consent. Her request to remove PMI was formally rejected on XX/XX/XXXX, after which XXXX attempted again in March. Contact was established multiple times up to XX/XX/XXXX, with XXXX and XXXX frequently inquiring about various issues, including PMI status and HELOC questions.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the website.

N/A

On XX/XX/XXXX, the XXXX county taxes amounting to $X,XXX.XX were paid to xx County. On XX/XX/XXXX, the XXXX county taxes amounting to $X,XXX.XX were paid, also to xx County.

N/A

902406

XXXX

On XX/XX/XXXX, XXXX contacted regarding escrow analysis, confirming the surplus and payment changes. Multiple caller interactions were recorded throughout August XXXX regarding escrow questions. On XX/XX/XXXX, XXXX was advised that she can pay the shortage online and thanked the representative.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, and XX/XX/XXXX the borrower paid county taxes to xx County, with the amounts disbursed from escrow. On XX/XX/XXXX and XX/XX/XXXX, further payments were also processed to cover county taxes.

N/A

870134

XXXX

On XX/XX/XXXX, a conversation with XXXX was logged, confirming the property address and SSN, and an authorized payment was processed. By XX/XX/XXXX, settings were updated on the borrower website, and a one-time payment was scheduled for XX/XX/XXXX.

N/A

On XX/XX/XXXX, there was a recorded acknowledgment of reading fraud reduction tips on the borrower website and subsequent refusal to share private data with outside parties, XX, and consent to share credit data.

N/A

In XXXX, county taxes of $XXXX.XX were paid to xx County, and in XXXX, the payment amount increased to $XXXX.XX. Both transactions were processed through escrow and wired to XXXX for the tax office.

N/A

906259

XXXX

On XX/XX/XXXX, the borrower called to inquire about the end-of-year statement, and guidance was provided for online access. A conversation on XX/XX/XXXX confirmed contact regarding a payment, where the borrower was informed that a previous payment had not gone through; the borrower agreed to make the payment again.

N/A

Throughout the timeline, the borrower acknowledged reading tips to reduce fraud on XX/XX/XXXX and XX/XX/XXXX on their website account.

N/A

Payment of county taxes for the first half of XXXX was made on XX/XX/XXXX in the amount of $X,XXX.XX. The second half of the XXXX taxes was paid on XX/XX/XXXX for $X,XXX.XX. The first half of XXXX taxes was settled on XX/XX/XXXX for $X,XXX.XX and the second half on XX/XX/XXXX for $X,XXX.XX.

N/A

708535

XXXX

On XX/XX/XXXX, XXXX XXXX reached out attempting to confirm a payment and seek a workout solution. Numerous contacts occurred, including confusion over the mailing address for a $X,XXX payment. Discussions ensured XXXX XXXX was updated with correct reinstatement figures, followed by confirmations of check receipt. Communication lines remained active through phone and emails, ensuring both parties tracked payment progress and foreclosure status. The last documented contact occurred on XX/XX/XXXX when XXXX confirmed a payment posting from early October.

N/A

Foreclosure processes were initiated with consultations between legal parties and the borrower. Approved proceedings involved PRP-approved attorneys handling the case for borrowers XXXX. There was a consistent exchange of documentation and fee notices, indicating the advancement of foreclosure procedures, including the generation of complaints and lis pendens preparations. On XX/XX/XXXX, Tammy Rice attempted a workout by contacting legal offices, claiming to have sent a $X,XXX payment. Discussions continued around reinstatement figures necessary for resolution. The foreclosure was halted following receipt of a $X,XXX payment.

N/A

There were discussions and clarifications regarding title issues in the foreclosure process, including confirming note possession and handling title report discrepancies. Requests for Assignment of Mortgage (AOM) were managed, ensuring clear title paths.

XXXX county taxes were marked as exempt on XX/XX/XXXX, and XXXX county taxes continued to be exempt as per a phone call verification with the tax office on XX/XX/XXXX.

N/A

A payment plan was discussed for borrower XXXX, who wanted to catch up on her account. An installment was processed, and mini payments became current, evidenced in billing statements following a successful reinstatement.

N/A

914529

XXXX

On August X, XXXX, an outbound call was made to the borrower confirming insurance policy updates, and the borrower requested a follow-up email. On August X, XXXX, the borrower emailed a response with attached documents needed for insurance verification.

N/A

From July X, XXXX, to August XX, XXXX, there were multiple instances where homeowner's insurance policies were received, renewed, and updated for payment with correct clauses. Various policy-related documents were forwarded to relevant departments for processing.

N/A

Annual property taxes were paid from escrow accounts, as evidenced by payments to xx County and xx on December X and X, XXXX, and December X, and November XX, XXXX. Year-end tax documents for XXXX were uploaded on January XX, XXXX. Escrow analyses showed shortages, which were spread over XX months, as of February XX, XXXX, and February XX, XXXX.

N/A

424032

XXXX

On XX/XX/XXXX, homeowner's insurance policy was updated for XXXX-XXXX and forwarded for payment processing. On XX/XX/XXXX, homeowner's insurance invoice for XXXX-XXXX was received, updated in tracking, and forwarded for payment.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by XXXX on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

County taxes were paid for XXXX on XX/XX/XXXX and for XXXX on XX/XX/XXXX. Payments were disbursed from escrow and wired to XXXX for processing.

N/A

601216

XXXX

On XX/XX/XXXX, the borrower called the customer service to check on extra payments being applied to UPB only and inquired about its effect on the maturity date.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

In October XXXX, county and town taxes for XXXX were paid amounting to $X,XXX.XX and $X,XXX.XX respectively. Similar payments were made for XXXX in October, to xx County and xxTown Treasurer.

N/A

766274

XXXX

On XX/XX/XXXX, attempted contact regarding wind policy update. On XX/XX/XXXX, borrower updated payment amount in response to email exchange clarifying monthly payment changes. XX/XX/XXXX, borrower inquired about wind insurance charges and requested mailing address updates.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

Annual Tax and Interest Statement returned due to insufficient address multiple times, first noted on XX/XX/XXXX. Tax documents uploaded for print in January XXXX. Paid XXXX and XXXX county taxes through escrow.

N/A

Servicer errors and return mails due to incorrect addressed statements throughout XXXX. Corrected mailing address on XX/XX/XXXX.

763175

XXXX

Delinquent Taxes,Active Military

The most recent direct interaction recorded was via email on October XX, XXXX, where the borrower questioned payment records. Previous calls frequently ended with messages left and included collection calls. Earlier interactions throughout XXXX show attempts to contact with limited success due to outdated or incorrect phone numbers.

There are no direct comments that indicate a specific reason for default, with remarks suggesting the reason for delinquency is unknown as of April XX, XXXX.

N/A

Discussions about significantly high county taxes occurred. On October XX, XXXX, it was conveyed that taxes were initially underestimated, with the need to rebuild the escrow account to cover the deficit. By December X, XXXX, discussions noted two lots under the mortgage, explaining the higher taxes.

N/A

On November XX, XXXX, a Servicemembers Civil Relief Act notice was prepared and dispatched.

N/A

860119

XXXX

On XX/XX/XXXX, correspondence involved confirming mailing and property address, verifying identity, and discussing the status of a request from XXXX. Subsequent messages were exchanged on XX/XX/XXXX regarding VOM fees and verification of details with XXXX, which was confirmed as a third-party contact.

N/A

On XX/XX/XXXX, there was an acknowledgment of tips to help reduce fraud on the Borrower Website by the user. Customer repeatedly refused consent to share private and credit data with outside entities and xx Affiliates on multiple occasions, including XX/XX/XXXX and XX/XX/XXXX.

N/A

Taxes for XXXX and XXXX were paid from escrow in amounts of $XXXX.XX and $XXXX.XX respectively. The disbursements were made to xx county, facilitated through XXXX.

N/A

985715

XXXX

Delinquent Taxes

Multiple outbound calls were made to the borrower, leaving voicemail messages throughout XXXX to arrange payments for overdue taxes and updates on account preferences. An email sent on XX/XX/XXXX reiterated the importance of addressing the unpaid taxes, and as of XX/XX/XXXX, attempts to reach the borrower continued without response.

N/A

Past due taxes were noted for XXXX and XXXX, with the amounts due increasing over time. Various attempts were made to contact the borrower regarding this issue via calls and emails. A payment of $XXXX.XX covering both years' taxes was made on XX/XX/XXXX. A repayment plan was set up for five months at $XXX.XX per month, starting in November XXXX. Additionally, taxes for XXXX and XXXX were disbursed from escrow and paid in December XXXX and November XXXX respectively.

N/A

A tax repayment plan was set up at $XXX.XX per month for five months beginning November XXXX. This was part of dealing with unpaid taxes for the years XXXX and XXXX.

N/A

651815

XXXX

On XX/XX/XXXX, borrower updated settings on the website and refused consent to share private and credit data with affiliates. On XX/XX/XXXX, billing preferences were updated again on the borrower’s website.

N/A

On XX/XX/XXXX, borrower read tips to help reduce fraud on the website.

N/A

On XX/XX/XXXX, $X,XXX.XX was paid to xx County from escrow for XXXX county tax. On XX/XX/XXXX, $X,XXX.XX was paid to xx County for XXXX county tax using escrow funds.

N/A

On XX/XX/XXXX, the borrower updated their payment plan to Bi-Weekly with a payment date of XX/XX/XXXX for $XXX.XX.

N/A

585811

XXXX

On XX/XX/XXXX, a conversation was held with a co-borrower named XXXX, confirming the last four of his SSN, property, and mailing address. XXXX inquired about equity loans, but it was clarified that such services were not offered, and he was advised to approach a local bank or xx. On multiple occasions, the borrower refused consent to share private and credit data with affiliates and outside entities, with such refusals acknowledged via the web on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

Throughout XXXX and XXXX, town taxes for xx township were paid from escrow in amounts of $XXXX.XX, $XXXX.XX, $XXXX.XX, and $XXXX.XX. The borrower was informed about an annual escrow analysis that showed a shortage of $XXX.XX on XX/XX/XXXX and $XXXX.XX on XX/XX/XXXX, with the shortages spread over XX months resulting in new escrow constants effective on XX/XX/XXXX and XX/XX/XXXX respectively.

N/A

740924

XXXX

Delinquent Taxes

On XX/XX/XXXX, there was an outbound call where the borrower verified details in Spanish and made a payment of $XXXX.XX. Repeated requests for Spanish speakers were made across several dates as the borrower sought Spanish-speaking assistance. Payments were regularly arranged and made each month, using confirmation numbers for each transaction. The most recent documented contact was on XX/XX/XXXX, verifying details and setting up another payment.

N/A

County taxes were paid on multiple occasions to the xx City and County, disbursed from escrow. Payments included amounts of $XXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX, which included lien fees.

N/A

718077

XXXX

On XX/XX/XXXX, the borrower was contacted regarding a payment reversal due to insufficient funds, prompted by an email on XX/XX/XXXX. The borrower had reached out multiple times regarding account queries and issues, reflecting ongoing communication about their loan account.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Throughout the comments, payments for county taxes were regularly made. On XX/XX/XXXX, taxes for XXXX XH were paid, and subsequent payments were made for the years XXXX and XXXX, showing regular tax compliance.

N/A

333702

XXXX

On XX/XX/XXXX, XXXX inquired about an escrow shortage. On XX/XX/XXXX, he requested confirmation of his account status, mentioning two payments made in September. Various emails between June and August noted concerns about address updates and payment verifications. The last documented contact was on XX/XX/XXXX, where XXXX inquired about his next payment due date.

N/A

XXXX acknowledged reading tips to help reduce fraud on XX/XX/XXXX.

N/A

Throughout the timeline, quarterly borough taxes were consistently paid through the loan's escrow account, with disbursements made to the tax office via XXXX.

N/A

447992

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX confirmed switching to a new insurance policy and opted to pay $X,XXX, setting up a CBP. On XX/XX/XXXX, there were multiple interactions with XXXX at the contact number (XXX) XXX-XXXX discussing payment issues and assistance from HUD. He inquired about a missing July payment and plans to set up autopay, acknowledging reading tips on fraud reduction that day as well. The bank issue led to August's late fee being waived.

N/A

Payment issues related to county taxes were noted multiple times. On XX/XX/XXXX, county taxes for the first half of XXXX amounting to $X,XXX.XX were paid. Similarly, on XX/XX/XXXX, the second half taxes for XXXX were settled. Payments for the first half of XXXX taxes were made on XX/XX/XXXX and later again on XX/XX/XXXX.

N/A

On XX/XX/XXXX, an August late fee was waived due to a bank processing error.

692124

XXXX

On XX/XX/XXXX, the borrower requested Year-End tax information via email, specifically the XXXX form, which was promptly addressed the next day. The last recorded contact discussing payment updates and refusal to share data was on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Tax payments were regularly disbursed from escrow for xx, xx, and xx. Significant amounts include $XXX.XX for village taxes on XX/XX/XXXX, $XXXX.XX for school taxes on XX/XX/XXXX, $XXXX.XX for town taxes on XX/XX/XXXX, $XXXX.XX for school taxes on XX/XX/XXXX, and $XXXX.XX for town taxes on XX/XX/XXXX. These payments were processed efficiently and documented as being wired to XXXX for the tax office.

N/A

Regular updates on payment amounts after escrow analysis adjustments. The borrower had a payment change with an increase in amount on XX/XX/XXXX.

N/A

773397

XXXX

Delinquent Taxes

The borrower was actively contacted and responded regularly through various channels. On XX/XX/XXXX, the borrower called to report changes in insurance. On XX/XX/XXXX, a foreclosure cancellation was confirmed due to current loan status post payments. Regular prompts were made regarding issues like delinquent payments and repayment plan updates up to the present year.

On XX/XX/XXXX, a payment arrangement was created citing a curtailment of income as the reason for delinquency. This indicates financial difficulties were faced due to reduced income, affecting the ability to make mortgage payments.

N/A

Foreclosure processes were initiated as documented on XX/XX/XXXX when the borrower failed to make their planned payments. Although the foreclosure process was on hold since February, on XX/XX/XXXX and XX/XX/XXXX, extensions were approved for this hold. By XX/XX/XXXX, foreclosure was canceled due to the reinstatement of the loan.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on fraud prevention on their website, indicating awareness and preventive actions against fraud.

N/A

Various payments of city taxes were recorded, including XXXX and XXXX quarterly taxes in amounts of $XXX.XX and $XXX.XX to xx city. On XX/XX/XXXX, it was noted that stormwater fees were delinquent, with a scheduled tax sale on XX/XX/XXXX if not addressed. A reminder was sent on XX/XX/XXXX regarding delinquent stormwater charges.

N/A

Modification discussions were frequent. On XX/XX/XXXX, it was suggested that a repayment plan might be better than a loan modification for the borrower given the current interest rates. Several emails between XXXX and XXXX indicate attempts to process modifications, with various clarifications on payment guidelines provided.

N/A

A repayment plan was actively discussed from XX/XX/XXXX. Initial plans were set up with a good faith payment of $XX,XXX.XX, as documented by emails. On XX/XX/XXXX, the wire traXXer was successfully made. Regular follow-ups and adjustments were required due to variances between agreed and made payments, with frequent emails to the borrower ensuring adherence to repayment schedules.

On XX/XX/XXXX, a review determined that previous interest was deferred due to a Covid-related forbearance. This interest was waived, clarifying the financial status for the borrower.

N/A

626805

XXXX

On XX/XX/XXXX, XXXX made a call to confirm the service of her loan and update payment arrangements after confirming her personal details, explaining her temporary financial difficulty, and agreeing to make overdue payments.

The borrower, XXXX, is delinquent due to a knee replacement surgery which has prevented her from working since November XXXX. She became delinquent during this period but expressed intent to remain current after rectifying her account.

N/A

On XX/X/XXXX, an Attorney Demand Letter was requested as part of foreclosure initiation. By XX/X/XXXX, a workout resolution led to the cancellation of the demand. Demand activities resumed early January XXXX with a new demand letter sent on X/X/XXXX. Funds were received from the borrower on X/XX/XXXX to settle arrears, cancelling the foreclosure demand due to reinstatement of the account.

N/A

Annual borough taxes were paid from escrow funds, with payments recorded on XX/XX/XXXX and XX/XX/XXXX.

N/A

856806

XXXX

On XX/XX/XXXX, outbound calls and emails were made to rectify the escrow situation with specific confirmations, ending positively. Communication continued with writes for authorization on EFT and escrow adjustments effectively handled. Last contact via email from XXXX on XX/XX/XXXX, confirming update payment arrangements.

Throughout the records, there are no specific indications related to default reasons such as loss of income, employment issues, or other financially distressing situations impacting the borrower's ability to meet mortgage obligations.

N/A

Remarks on XX/XX/XXXX show that the loan is not under bankruptcy ('BK: No') and is contractually current. There are no indications of bankruptcy proceedings throughout the records.

N/A

Taxes are routinely managed with the borrower and paid through XXXX. Notable payments include $XXX.XX and $X.XX on XX/XX/XXXX, $XXX.XX and $X.XX on XX/XX/XXXX, $XXXX.XX and $X.XX on XX/XX/XXXX, and the borrower is noted as paid up to date for parcels XXXXXXXX and XXXXXXXX, with next due financial steps noted for XX/XX/XXXX.

N/A

There are detailed interactions regarding payment updates related to escrow shortages on XX/XX/XXXX, leading to adjusted EFT, discussed again on XX/XX/XXXX. The borrower conveys understanding and appreciation for the explanations provided regarding escrow adjustments.

N/A

690897

XXXX

On XX/XX/XXXX, the borrower spoke with the representative regarding a short payment and agreed to pay the short amount of $XX.XX. They also discussed the annual escrow analysis on XX/XX/XXXX, and on XX/XX/XXXX, they were informed about the payment change and addressed the escrow shortage issue with the borrower, who set up a payment via the online system.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

County taxes for both the first and second halves of XXXX through XXXX have been paid in installments, disbursed from escrow and wired to XXXX for payment.

N/A

628048

XXXX

On XX/XX/XXXX, a call with XXXX confirmed details like last X digits of the SSN and property address. There were multiple refusals in consent to share private data via the web in September XXXX and April XXXX.

N/A

In September XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

Paid county taxes for xx County from escrow in March and November XXXX, and in XXXX.

N/A

In September XXXX, there was an error in payment due to the borrower sending the old payment amount after a change, and in September XXXX, the payment was shorted, but it was addressed.

733277

XXXX

Delinquent Taxes

On XX/XX/XXXX, Shaya XXXX requested a billing statement via email. On XX/XX/XXXX, there was contact with the borrower regarding a billing inquiry and insurance payment issues. On XX/XX/XXXX, a contact was made about loan status confirmation and a verification of mortgage request. The borrower was advised on the account's current status and procedure for online payment adjustments.

N/A

Throughout the period, several payments for municipal taxes were made from escrow to xx and xx Town and School. Noted on multiple dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

N/A

695574

XXXX

Deceased Borrower

On XX/XX/XXXX, XXXX communicated regarding her husband's passing and the need to establish probate for the property. On XX/XX/XXXX, she confirmed with the service agent that her gift deed and documents were received for review. XXXX consistently communicated regarding updates on loan modification and foreclosure status; highlighting key conversations on XX/XX/XXXX when she was assured about the foreclosure sale cancellation, and on XX/XX/XXXX when she confirmed receipt of signed modification papers.

The borrower, XXXX, experienced financial challenges following the passing of her husband, XXXX, which was confirmed through a death certificate indicating his date of death as February X, XXXX. XXXX cited increased expenses and income loss due to COVID-XX as additional factors impacting financial stability.

N/A

A foreclosure sale was initially scheduled for September X, XXXX. However, this was cancelled due to the service traXXer. XXXX repeatedly inquired about the foreclosure status, and she was eventually informed that the account was no longer in foreclosure as alternatives were being explored, such as a loan modification.

An update on October XX, XXXX, confirms that a Chapter XX bankruptcy had been discharged, and the relevant details were updated in the bankruptcy module.

N/A

Taxes for the first half of XXXX were confirmed paid, while the second half due in November was $XX.XX. The XXXX taxes were subsequently addressed with payments made in May and October of XXXX.

N/A

The borrower, XXXX, passed away on February X, XXXX. XX, his wife, was acknowledged as having vested interest, and she provided necessary documents, including the death certificate, in ongoing communications.

XX pursued a loan modification due to her husband’s death and financial challenges exacerbated by the COVID-XX pandemic. Initial discussions on the modification began on August XX, XXXX. By October X, XXXX, the modification request was approved with an interest rate adjustment to X.X%, a term of XXX months, and a monthly PI payment of $XXX. The terms included a X-month trial period starting November X, XXXX, requiring XX to assume the loan.

N/A

XXXX agreed to a payment arrangement starting October X, XXXX, which involved good faith payments of $XXX by October XX and November XX, XXXX, followed by payments of $XXX.XX beginning December. The arrangement specified a X-month trial using these payments.

N/A

665758

XXXX

On XX/XX/XXXX, XXXX verified billing and payment details with SS confirmation. On XX/XX/XXXX, Mrs. XXXX received a notice about shorting escrow; it was explained due to a payment change effective on XX/XX/XXXX. On XX/XX/XXXX, an email about escrow payment was sent, responded the same day. On XX/XX/XXXX, the borrower's spouse called regarding escrow, and assistance was given for resolving payments. Last contact was on XX/XX/XXXX, where XXXX called in for assistance with payment adjustments due to escrow analysis.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

973818

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower discussed insurance payment issues, confirming it was due imminently. On XX/XX/XXXX, the borrower was informed that funds for the insurance policy were disbursed on XX/X.

N/A

On X/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On X/XX/XXXX, payment for county taxes amounting to $XX,XXX.XX was disbursed to xx County from escrow funds. On X/XX/XXXX, payment for XXXX county taxes amounting to $X,XXX.XX was disbursed from escrow.

N/A

857149

XXXX

Delinquent Taxes,Deceased Borrower

On XX/XX/XXXX, XXXX reported XXXX's passing and took on the responsibility of making house payments. A letter from XXXX trying to purchase the house was discussed, and XXXX was advised it was unrelated to the mortgage. On XX/XX/XXXX, XXXX called regarding correspondence suggesting a legal issue; it was confirmed that this was incorrect. The last significant contact was on XX/XX/XXXX, where XXXX confirmed a payment through the IVR system after clarifying a misunderstanding about the owed amount during a repayment plan.

N/A

Multiple foreclosure-related activities occurred, including attorney demand letters being requested on X/X/XXXX and XX/XX/XXXX. A Pre FC Loss Mitigation Options Letter was manually mailed on XX/XX/XXXX, and DNP demands were sent on X/XX/XXXX and XX/XX/XXXX. Several DNP (Do Not Pay) warnings and letters were issued throughout XXXX in response to payment issues, with funds being returned due to account arrears.

N/A

On XX/XX/XXXX, county taxes for XXXX in the amount of $XXXX.XX and delinquent XXXX taxes for $XXXX.XX were paid directly to the xx County tax office from escrow. xx County taxes for XXXX totaling $XXXX.XX were disbursed from escrow on XX/XX/XXXX.

N/A

On XX/XX/XXXX, it was reported that XXXX had passed away, leaving XXXX to manage payments. The update to the borrower's status was documented on the same date.

A repayment plan was established on X/X/XXXX, with a start date of X/X/XXXX, consisting of six payments of $X,XXX.XX each. The delinquency was attributed to excessive obligations.

N/A

In December XXXX, a repayment plan was proposed involving a down payment of $X,XXX.XX with subsequent payments of $X,XXX.XX. This plan was approved by the investor on XX/XX/XXXX, aiming to bring the account current. Further communications ensured the completion and understanding of this repayment arrangement.

N/A

519058

XXXX

On XX/XX/XXXX, an outbound call was made to XXXX XXXX, during which bank auto draft and website auto draft of $X,XXX monthly payments were verified. It was discussed that the payments should go towards the unpaid principal balance (UPB).

N/A

On XX/XX/XXXX, a Homeowners Insurance policy renewal was received from XXXX and updated for tracking purposes. On XX/XX/XXXX, a large premium increase for the new insurance policy was detected. On XX/XX/XXXX, an escrow shortage of $XX.XX was noted and communicated to the borrower. Starting XX/XX/XXXX, it was acknowledged that the borrower no longer requires flood insurance due to a change in flood zone status.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the Borrower Website. On XX/XX/XXXX, similar tips were again acknowledged to help reduce fraud.

On XX/XX/XXXX, vested interest with XXXX was added to contacts based on mortgage and title search information.

On XX/XX/XXXX, payment of XXXX county taxes amounting to $XXXX.XX was made to xx County, disbursed from escrow. On XX/XX/XXXX, payment of XXXX county taxes of $XXXX.XX was made to xx County, also disbursed from escrow.

N/A

597327

XXXX

Delinquent Taxes

On X/X/XXXX, borrower verified information and discussed making double payments. Lastly, the borrower communicated via email on X/XX/XXXX about switching to XXXX for their policy. Borrower discussed payment issues and updates on various dates including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

The borrower experienced excessive obligations, leading to delinquency. They arranged a repayment plan on X/X/XXXX to address the overdue amount with five payments of $X,XXX.XX, initiated due to excessive obligations.

N/A

On multiple occasions (X/X/XXXX and X/XX/XXXX), the borrower acknowledged awareness on fraud prevention tips via the borrower website.

N/A

Numerous county tax payments were made for the borrower including payments on X/XX/XXXX, X/XX/XXXX, XX/XX/XXXX, and X/XX/XXXX.

N/A

A payment plan was initiated on X/X/XXXX with X payments of $X,XXX.XX, covering back pay. It was modified and reactivated on XX/XX/XXXX with first payment due XX/XX/XXXX. Payments were adjusted with ongoing discussions to include additional fees.

N/A

672227

XXXX

On XX/XX/XXXX, talked to borrower XXXX XXXX regarding a payment issue with XXXX and confirmed a check was cashed. On XX/XX/XXXX, the borrower refused consent to share private data with xx affiliates and requested a payoff through a web inquiry.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid to xx County using funds disbursed from escrow.

N/A

On XX/XX/XXXX, a non-sufficient funds (XX) fee was corrected due to a servicer error in the note terms.

745226

XXXX

On XX/XX/XXXX, received a call from XXXX regarding an issue with the payment not being processed from her account. She was advised by the call monitor who provided assistance, revealing that cashiering is working on the issue.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips for reducing fraud on their website.

N/A

Various payments for town taxes were disbursed from the escrow account, including payments of $XXXX.XX to xx Town on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and XX/XX/XXXX.

N/A

512107

XXXX

On XX/XX/XXXX, an email was sent to XXXX and she was informed that XXXX would be her point of contact for xx. On XX/XX/XXXX, XXXX called but the system was down, she was informed that she would be called back once the system is up.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. Again on XX/XX/XXXX, the borrower confirmed reading tips for fraud reduction.

N/A

The county taxes for the year were paid from escrow, with payments disbursed to xx County, and wired to XXXX for processing on XX/XX/XXXX and XX/XX/XXXX.

N/A

881844

XXXX

Multiple interactions with the borrower show routine updates and communications. The borrower contacted customer service on XX/XX/XXXX regarding an increase in payment due to escrow shortages, and a further discussion about EFT setup occurred. On XX/XX/XXXX, XXXX, who manages XXXX accounts, queried the dual debiting issue, demonstrating active contact and attention to account details.

N/A

Throughout the comments, taxes were routinely paid. On XX/XX/XXXX and XX/XX/XXXX, city taxes were disbursed from escrow, indicating regular tax payments. However, there is no indication of delinquent taxes or tax-related issues.

N/A

A number of comments indicate issues with payment entries, specifically around double charging of accounts due to errors with electronic funds traXXers (EFT). On XX/XX/XXXX, borrower xx reported double debits from two different bank accounts. This issue persisted into February XXXX, with xx expressing continued concern over improper debits and the necessity of disabling bank accounts via portal.

531426

XXXX

The borrower was last contacted about a payment shortfall due to an escrow increase on XX/XX/XXXX. The borrower updated autopay settings and made a one-time payment to cover the difference, confirming actions via email on XX/XX/XXXX.

N/A

The borrower acknowledged reading tips to help reduce fraud on XX/XX/XXXX and refused consent to share private data and credit data with outside entities and XX.

N/A

On XX/XX/XXXX, paid county taxes for half of the year for $XXXX.XX. On XX/XX/XXXX, paid the first half of XXXX county taxes for $XXXX.XX. On XX/XX/XXXX, paid county taxes for the second half of XXXX. On XX/XX/XXXX, paid the first half of XXXX county taxes for $XXXX.XX.

N/A

The borrower experienced a payment change due to an escrow increase, resulting in a payment shortfall of $XXX.XX, which was communicated through email on XX/XX/XXXX. The borrower updated their autopay settings to accommodate the new payment amount on XX/XX/XXXX.

N/A

617148

XXXX

On XX/XX/XXXX, there were several interactions with the borrower regarding PMI updates. An email was sent discussing the cancellation of PMI, changes in escrow analysis, and confirmation of contact details. Additionally, a call on XX/XX/XXXX confirmed borrower details and provided information on HUD services.

There are no comments clearly indicating the borrower's reason for default such as loss of income or employment issues.

The records reflect general homeowner responsibilities, including payment of town taxes. Payments were made from the borrower's escrow account for town taxes on multiple occasions throughout XXXX and XXXX, maintaining the property properly and ensuring financial obligations related to property upkeep are met. No reports indicate damage or disrepair affecting the property's condition.

N/A

On XX/XX/XXXX and XX/XX/XXXX, borrower acknowledged reading tips on fraud prevention on the borrower website. No other indications of fraud-related issues were presented.

N/A

There are regular references to town tax payments being made on behalf of the borrower using funds from the escrow account, such as on XX/XX/XXXX, and XX/XX/XXXX. Payments appear to have been handled appropriately with no issues noted regarding delinquent taxes.

N/A

There was discussion regarding modifications on XX/XX/XXXX related to PMI and escrow analysis. PMI cancellation caused an escrow shortage due to tax and insurance increases, but the payment amount decreased slightly thereafter.

N/A

962313

XXXX

On XX/XX/XXXX, the borrower, XXXX, discussed payment options, including processing an electronic check for escrow shortage due by XX/XX/XX. XXXX confirmed the payment over the phone.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged tips to help reduce fraud on the Borrower Website.

N/A

Various tax payments were made from escrow for xx County taxes across XXXX, XXXX, and XXXX, with payments disbursed through XXXX.

N/A

858691

XXXX

On various occasions, the borrower engaged in discussions regarding their account status, payment queries, and receiving tax statements. Notable contacts include XX/XX/XXXX regarding a billing statement query, XX/XX/XXXX confirming account status, and XX/XX/XXXX regarding a change in payment due to escrow analysis.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Various tax payments were made for XXXX and XXXX, including city, county, and school taxes, disbursed from escrow and wired to XXXX for payment to the tax office.

N/A

954151

XXXX

On XX/XX/XXXX, inbound call received from XXXX regarding upset about billing statements.

N/A

On XX/XX/XXXX and again on XX/XX/XXXX, payments for county taxes were disbursed from escrow to xx County Treasurer.

N/A

The borrower made a one-time payment of $X,XXX on XX/XX/XXXX as part of their repayment plan. Subsequent payments of $XXX were recorded monthly, consistent with a repayment schedule.

N/A

810873

XXXX

There are no comments indicating direct contact with the borrower.

N/A

On XX/XX/XXXX, taxes were confirmed paid through the XXXX first half with the next installment due on XX/XX/XXXX for $XXX.XX. Again, on XX/XX/XXXX, it was noted that the borrower is paid and current with their next due date on XX/XX/XXXX. As of XX/XX/XXXX, taxes remain current, with the next bill scheduled for XX/XX/XXXX. By XX/XX/XXXX, taxes are paid and current with the next bill due by XX/XX/XXXX.

N/A

960383

XXXX

On XX/XX/XXXX, the borrower submitted an inbound web inquiry requesting a contact and expressing interest in exploring other loan products.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX county taxes were paid in the amount of $XXXX.XX to xx County, and on XX/XX/XXXX, XXXX county taxes were similarly paid in the amount of $XXXX.XX.

N/A

651673

XXXX

On XX/XX/XXXX, several attempts were made to contact the borrower through calls, with a request to send a contact letter due to a bad number or disconnect. On XX/XX/XXXX, the borrower was successfully reached over a call by XXXX., confirming details of the short payment and updating automatic payments. Payment updates and preferences in sharing data were also recorded on the same date.

No specific reason for default is indicated in the available comments; financial activities continue smoothly.

New homeowner insurance policies were received and processed, with disbursements for policy payments seen in the comments periodically. No significant property condition issues noted.

N/A

Efforts to minimize fraud included acknowledging tips on the Borrower Website and ensuring permissions were carefully handled regarding data sharing. However, no direct fraud events were noted.

N/A

County taxes were paid through escrow for different periods, ensuring they remained up to date. Reminders to pay taxes and hold on payments were also observed when necessary.

N/A

No explicit mention of loan modifications is present in the comments.

N/A

952596

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower received an email introducing XXXX as the new Asset Manager and provided contact information for any concerns.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the Borrower Website.

N/A

Payments for county taxes were made from the escrow account to the xx County for the amounts of $X,XXX.XX on XX/XX/XXXX, $X,XXX.XX on XX/XX/XXXX, $X,XXX.XX on XX/XX/XXXX, and $X,XXX.XX on XX/XX/XXXX.

N/A

986149

XXXX

On XX/XX/XXXX, contact with the borrower confirmed discussions about escrow shortages and mailing address changes. More interaction occurred on multiple occasions in XXXX, especially around May XXXX concerning escrow payments and payment scheduling. The latest detailed contact shows discussions about an insurance payment discrepancy in October XXXX.

The borrower experienced issues during the pandemic related to supplemental assistance but managed the situation without any claims or changes to the loan status.

N/A

On XX/XX/XXXX, and again on XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud.

N/A

On XX/XX/XXXX and XX/XX/XXXX, city taxes were paid out of the borrower's escrow account. Additional tax disbursements were noted throughout XXXX and XXXX.

N/A

The borrower had a payment increase caused by escrow shortage adjustments, insurance, and taxes. On May X, XXXX, the borrower was informed about the new escrow analysis and payment change due to the shortage on May XX, XXXX. The borrower planned to make payments to address the escrow deficit.

N/A

Comments indicate adjustments to monthly payment schedules due to changes stemming from escrow shortages and insurance premium increases.

N/A

454213

XXXX

On XX/XX/XXXX, XXXX XXXX called to inquire about payment authorization. On XX/XX/XXXX, XXXX verified mailing setup and the payment schedule during a call. On XX/XX/XXXX, XXXX confirmed the trial completion and awaited final modification terms. On XX/XX/XXXX, XXXX confirmed that the modification documents were sent. On XX/XX/XXXX, XXXX expressed confusion about the modification terms, which was clarified by the service manager.

N/A

Foreclosure processes were initiated but later canceled due to a modification agreement. Initial complaint and related documentation were filed in September XXXX, followed by foreclosure cancellations in February XXXX due to loan modifications that brought the loan current.

N/A

Some property tax payments were made through escrow, such as the county tax payments of $XXX.XX in November XXXX and $XXX.XX in November XXXX.

N/A

Multiple modifications were processed between late XXXX and early XXXX to manage the mortgage loan delinquency. An initial trial period plan was set for the borrower in late XXXX with regular payments, culminating in a permanent loan modification in February XXXX. The final terms adjusted the interest rate to X%, with a monthly payment beginning at $XXX.XX effective January XXXX. The loan was brought current, and the foreclosure process was halted.

N/A

780966

XXXX

On XX/XX/XXXX, XXXX confirmed the SSN and discussed the insurance policy issue. Contact followed on XX/XX/XXXX and XX/XX/XXXX, reviewing Homeowner's Insurance details.

N/A

User XXXX acknowledged reading tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX.

N/A

Annual taxes were paid from escrow for XXXX on XX/XX/XXXX and for XXXX on XX/X/XXXX.

N/A

969208

XXXX

Active Bankruptcy

Last contact with borrower not explicitly acknowledged in provided comments. Records primarily consist of billing statements and trustee payments without direct borrower interaction noted.

N/A

Foreclosure actions on hold multiple times. The foreclosure holds were approved on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, extending the foreclosure process to XX/XX/XXXX and later to XX/XX/XXXX.

The borrower is involved in Case #:XX-XXXXX with ongoing trustee payments. Trustee disbursements reflect ongoing payments and arrears, with various reconciliations and status updates provided frequently. Notable dates include payments posted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Regular reviews in the Bankruptcy Module confirm payments and other matters related to the loan.

N/A

Tax disbursements were processed. On XX/XX/XXXX, $XXXX.XX was disbursed for XXXX borough taxes. Similarly, the XXXX school taxes were paid on XX/XX/XXXX, totaling $XXXX.XX.

N/A

No modifications are currently active, with a fixed interest rate of X.XXX% as per the XXXX note. Past comments reflect details of the operations but no changes.

N/A

772756

XXXX

Delinquent Taxes,Deceased Borrower

The last borrower contact was in June XXXX, when XXXX communicated about managing the estate and confirmed the executor change to manage the mortgage payments. Regular emails and calls were made to encourage follow-up on mortgage dues, but contacts primarily involved legal representatives, confirming executor details and estate plans.

N/A

Throughout March XXXX to February XXXX, multiple returned mail notifications indicated communication issues regarding demand letters sent to the borrower's address. Regular demand letters and statements were issued, and a post-demand payoff statement was prepared twice in XXXX. Demand letters were sent, involving figures like $X,XXX.XX in July XXXX. Actions were taken to cancel demands due to payments received or reinstatements confirmed. Engagement with legal representatives like XXXX was ongoing, coordinating payments and further listings.

N/A

During May and November of XXXX and XXXX, county taxes for the property amounting to $XXX.XX and $XXX.XX respectively, were paid from the escrow to xx County.

N/A

In June XXXX, communications confirmed changes in the estate executor from XXXXX, who managed subsequent interactions and discussions about mortgage dues and property sale plans.

N/A

795409

XXXX

Multiple contacts occurred: On XX/XX/XXXX, XXXX was informed about incorrect insurance address data and acknowledged the address change. On XX/XX/XXXX, XXXX XXXX inquired about a LC and the reversal of charges was initiated. On XX/XX/XXXX, he contacted XXXX regarding a late fee which was waived. On XX/XX/XXXX, XXXX requested a loan status update. On XX/XX/XXXX, XXXX sought a XX-month payment history for a home equity loan application.

N/A

On XX/XX/XXXX, XXXX for HOI renewal with XXXX was contacted to follow up on the insurance update. On XX/XX/XXXX and XX/XX/XXXX, discussions with xx and xx revealed an address change from XXX XXXX, requiring an insurance update. XXXX committed to contacting his insurance following the city update.

N/A

On XX/XX/XXXX and XX/XX/XXXX, XXXX acknowledged reading fraud reduction tips on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for XXXX amounted to $X,XXX.XX, and similarly, on XX/XX/XXXX, taxes amounted to $X,XXX.XX were disbursed from escrow to xx County.

N/A

On XX/XX/XXXX, an error where a bi-weekly payment was mistakenly applied as principal only was corrected after borrower xx was informed. Late charges were reversed.

510906

XXXX

Delinquent Taxes

On XX/XX/XXXX, a conversation took place where the borrower discussed loan modification and escrow. Loan history and assignment details were requested to be sent via email. On XX/XX/XXXX, contact was made by the borrower's assistant due to hearing difficulties. The borrower requested updates on autopay and other changes. Confirmations regarding payments and requests for email and payoff were made on XX/XX/XXXX. Payment confirmations and EFT plan were established, with ongoing updates through the year.

N/A

The xx County website noted that some county taxes are delinquent. On XX/XX/XXXX, XXXX county taxes were noted as delinquent for $XXX.XX, while XXXX Xnd half county taxes owed $XXX.XX due by XX/XX/XXXX. On XX/XX/XXXX, taxes for XXXX Xnd half were due $XXX.XX owed by XX/XX/XXXX, with a remaining amount of $XXX.XX for XXXX Xnd half if paid by XX/XX/XXXX. By XX/XX/XXXX, the remaining balance of the XXXX Xnd half was $XX.XX.

N/A

Borrower's loan was modified on XX/XX/XXXX, rolling arrears of $X,XXX.XX into the principal balance. As of XX/XX/XXXX, the maturity date was extended to XX/XX/XXXX with updated paperwork shared with the borrower. On XX/XX/XXXX, the modification dated XX/XX/XXXX was confirmed with term adjustments and late fee settings as per the note.

N/A

860893

XXXX

Delinquent Taxes

Throughout the timeline, the borrower, XXXX, frequently interacted with the service provider regarding payment adjustments and insurance policy confirmations. Key interactions include a call on XX/XX/XXXX where XXXX discussed escrow shortages and auto payments. Subsequent conversations occurred on XX/XX/XXXX about payment updates, and regular payment notifications ensued through early XXXX, maintaining communication to confirm account status and resolve potential billing concerns.

N/A

In early XXXX, it was discovered that the borrower had personal taxes on items like boats and unsecured taxes that were the borrower’s responsibility. These taxes were tied to the property and were marked as delinquent since XXXX, causing concern about potential foreclosure threats from a second loan due to unpaid construction tax bills.

N/A

650956

XXXX

On XX/XX/XXXX, XXXX called to inquire about the TraXXer of Ownership Letter and confirm account details. On XX/XX/XXXX, XXXX made a web inquiry about account status and escrow amount. On XX/XX/XXXX, XXXX was seeking verification on principal and loan payments. Most recently, on XX/XX/XXXX, XXXX called to ensure extra payments were applied to the principal balance.

N/A

There was an update regarding tax payments where $XXXX.XX was paid to xx County for XXXX and $XXXX.XX for XXXX. Additionally, there was a refund of $XXX.XX for overpayment of XXXX county taxes.

N/A

719107

XXXX

On XX/XX/XXXX, contact with XXXX confirmed personal details during a discussion about statements and payments including escrow information. Contact was verified multiple times over the period, with email and phone updates regarding account status and payments.

There were comments regarding the reason for delinquency marked as 'N/A', indicating that no specific default reason related to loss of income or similar issues was identified in the comment records.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud via the borrower website.

N/A

Paid xx County taxes for XXXX in November for $X,XXX.XX and for XXXX in November for $X,XXX.XX, disbursed from escrow.

N/A

On XX/XX/XXXX there was an error in onboarded borrower name, corrected shortly after. On XX/XX/XXXX, an account pending refinance was noted.

922881

XXXX

On XX/XX/XXXX, XXXX called for help with payments and was informed about his $XXX payment. On XX/XX/XXXX, XXXX inquired about his escrow, expressed frustration at not reaching his Account Manager, and was advised to leave a message. On XX/XX/XXXX, XXXX debated paying the escrow shortage and was provided the previous renewal date and amount. On XX/XX/XXXX, XXXX requested a loan payoff quote, which was addressed and communicated via email.

N/A

On XX/XX/XXXX and again on XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, paid XXXX county taxes amounting to $XXXX.XX to Sussex County. On XX/XX/XXXX, paid XXXX county taxes amounting to $XXXX.XX to Sussex County.

N/A

971495

XXXX

On December XX, XXXX, during a call with the servicer, the borrower shared challenges of falling into delinquency due to forced disability and discussed potential repayment solutions. Further communication occurred on December XX, XXXX, confirming repayment plan details and emphasizing the importance of maintaining scheduled payments.

In December XXXX, the borrower reported falling behind due to being forced on disability and receiving $X,XXX per month. Additionally, there was a notice that $XXX would be deducted from his check starting January, leaving less for expenses. He could manage $XXX with current expenses, prompting discussions about alternative repayment options.

N/A

On November XX, XXXX, an attorney demand letter was requested, but on November XX, XXXX, the demand was canceled because of payment received.

N/A

On July X, XXXX, the borrower acknowledged reading tips to reduce fraud, and a similar acknowledgment occurred on August X, XXXX.

N/A

On March XX, XXXX, and March XX, XXXX, payments were made to cover county taxes for the respective years. Further payments for county taxes were reported on November XX, XXXX, and November XX, XXXX.

N/A

The borrower discussed repayment modifications due to fixed income and expenses arising from disability. On December XX, XXXX, possible repayment plans were discussed including a X-month or X-month repayment plan.

N/A

On December XX, XXXX, a X-month repayment plan was established starting in January, with payments of $X,XXX.XX per month. The borrower consistently adhered to this plan, verified by regular payments from January to June XXXX, successfully bringing the loan contractually current.

N/A

405649

XXXX

The last notable contact with the borrower involved refusal to consent to share private, credit data, and to share with outside entities on XX/XX/XXXX. Previously, contact was also noted concerning adjustments to escrow and payments.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. Again, on XX/XX/XXXX, acknowledgement was made regarding fraud reduction tips on the Borrower Website.

N/A

On XX/XX/XXXX, the XXXX county taxes amounting to $X,XXX.XX were paid to xx County from the escrow. Similarly, on XX/XX/XXXX, XXXX county taxes of $X,XXX.XX were disbursed from escrow to xx County.

N/A

597549

XXXX

On XX/XX/XXXX, the borrower contacted customer service inquiring about insurance payment status, which was confirmed to have been paid by XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX and XX/XX/XXXX, taxes for XXXX and XXXX respectively were paid to xx County using escrow funds wired to XXXX. Additionally, the first half of XXXX taxes were paid on XX/XX/XXXX.

N/A

518753

XXXX

Active Bankruptcy

As of X/XX/XXXX, XXXX XXXX reached out to clarify mortgage payment procedures post-trustee completion. On X/X/XXXX, she was informed about billing adjustments related to the discrepancy in trustee payments and assured that late charges would be corrected after judicial clarification. Subsequent interactions confirmed all issues were resolved following the bankruptcy discharge.

N/A

Foreclosure proceedings were held on the account due to various circumstances. On XX/XX/XXXX, the foreclosure process commenced with referrals and demands sent by X/XX/XXXX. The foreclosure was placed on hold due to a bankruptcy on X/XX/XXXX, with a scheduled end date for the hold set for XX/X/XXXX. As of XX/XX/XXXX, the foreclosure hold was extended, indicating ongoing legal processes. On X/XX/XXXX, the foreclosure was ultimately cancelled due to reinstatement.

The borrower, XXXX, was involved in a Chapter XX bankruptcy case (Case#XX-XXXXX), filed on X/XX/XXXX. A motion for relief was granted, leading to various reconciliations of funds, adjustments, and claims from June XXXX through February XXXX, which included disbursements, waivers, and trustee payments settlements. As of X/X/XXXX, the case was officially discharged, and the loan was noted as being due for payment on X/X/XXXX with no outstanding late charges.

N/A

The case involved a modified Chapter XX plan with certain objections and reviews but was consensually resolved with the borrower as of X/XX/XX. The hearing on the motion to deem the loan current was scheduled for X/XX/XXXX.

N/A

The loan had a step rate modification dating back to X/X/XXXX, with the final step reached effective X/X/XXXX. This modification dictated the terms throughout the bankruptcy process.

N/A

629943

XXXX

Active Bankruptcy

On XX/XX/XXXX, the borrower called to inquire about payments and intended to set up Autopay on the website. This interaction was verified through the last four digits of the social security number and the property address.

N/A

The primary focus throughout the period involves the management of an ongoing bankruptcy case linked to a trustee's payments. Details include posting instructions, adjustments to accounts, and verification through documents such as AMS and Pacer. Issues regarding Notice of Payment Change (NOPC) and Trustee's Interim Notice of Cure of Arrears underline the legal proceedings, with active involvement in updating records and ensuring compliance. A significant aspect is the reconciliation of claims and arrears, with ongoing updates and reviews carried out on a monthly basis regarding the status of the payments, claims, and related bankruptcy module tasks. The documents show the process of amending plans, ensuring updates are recorded, and the management of additional motions or objections.

N/A

Throughout the timeline, town and school taxes for the years XXXX, XXXX, and subsequent years are consistently paid from the escrow and funds are wired to XXXX for processing. This process ensures that taxes are kept current and are disbursed in a timely manner to the relevant tax offices, indicating effective management of property tax obligations.

N/A

379990

XXXX

Active Bankruptcy

On XX/XX/XXXX, an incoming call was received from XXXX regarding incorrect charges and arrangements for fee waivers. On XX/XX/XXXX, XXXX contacted regarding insurance premium deductions, leading to clarification and reset arrangements. Last significant interaction was on XX/XX/XXXX concerning loan charges and arrangements.

N/A

On XX/XX/XXXX, the account was noted to be on 'bankruptcy' hold and involved in a foreclosure action in xx County, with a judgment entered on XX/XX/XXXX. The foreclosure action will not be dismissed despite arrearages.

The foreclosure process has been put on hold due to an active bankruptcy case as of XX/XX/XXXX.

On XX/XX/XXXX, the borrower acknowledged reading tips about fraud prevention on the borrower website.

N/A

A servicer error led to payments being mistakenly decreased due to an error in marking the HOI in escrow. On XX/XX/XXXX, corrections were discussed with the borrower.

749592

XXXX

Deceased Borrower

Throughout the comments, it appears that XXXX XXXX was in frequent contact, often confirming his payments. On XX/XX/XXXX, XXXX called to make a payment over the phone, verifying personal details and acknowledging the HUD toll-free number. During the contact on XX/XX/XXXX, details of the payment were confirmed and instructions given.

Throughout the comments, XXXX mentioned experiencing a difficult period following the death of his father, which indicates potential emotional and financial pressures affecting his mortgage payments. He expressed being a little behind on payments during a conversation on XX/XX/XXXX.

N/A

In the comments on XX/XX/XXXX and XX/XX/XXXX, it is noted that county taxes for xx County were paid, with amounts disbursed from escrow and wired to XXXX for payment.

N/A

383622

XXXX

On XX/XX/XXXX, a query was sent regarding the escrow balance, and subsequent arrangements for an additional payment of $XXX.XX starting XX/XX/XXXX were made. On XX/XX/XXXX, an email response was sent regarding the endorsement of a homeowners insurance check for a roof replacement.

N/A

Various homeowners insurance policy updates and disbursements are noted, such as the disbursement of the Homeowners Policy amount on XX/XX/XXXX and the renewal from XXXX effective XX/XX/XXXX. Additionally, there was a request concerning the endorsement process for an insurance check related to a roof replacement.

N/A

The borrower acknowledged reading tips to reduce fraud on XX/XX/XXXX and XX/XX/XXXX.

N/A

Payments related to county taxes were made on XX/XX/XXXX and XX/XX/XXXX, with funds disbursed from escrow.

N/A

457887

XXXX

On XX/XX/XXXX, XXXX was informed that the total to bring the account current was $XX,XXX. She later confirmed that bank holds have ended and she will send a cashier's check. Continued communication through email and phone calls to discuss payment and account handling from XX/XX/XXXX to XX/XX/XXXX.

On XX/XX/XXXX, discussed payment schedule with the borrower who works for a small business reliant on government contracts, which have been slow. They plan to make payments over the next months to get caught up.

N/A

On XX/XX/XXXX, borrower acknowledged tips to reduce fraud on their account.

N/A

On XX/XX/XXXX, a loan modification audit was completed to correct terms due to a step rate beginning March X, XXXX.

N/A

826684

XXXX

Frequent interactions took place with XXXX over the phone, focusing on payment arrangements and escrow management. On XX/XX/XXXX, XXXX called to discuss changing how extra funds were applied to her account, setting them to principal payments instead, showing active engagement in managing her mortgage account. This is consistent with a previous pattern of XXXX confirming and setting up her payments regularly over the course of months, demonstrating reliable contact with the servicing company.

N/A

Between XX/XX/XXXX and XX/XX/XXXX, county taxes were periodically paid through disbursements from the escrow account, ensuring that taxes were managed appropriately with timely payments to local authorities.

N/A

890807

XXXX

On XX/XX/XXXX, the borrower contacted to pay escrow shortage of $XXX.XX online, confirmed various verification details, and requested adjustment to payment amount. On XX/XX/XXXX, advised borrower about insurance policy change and provided next steps. On XX/XX/XXXX, assisted with payment issues using browser, confirmed via IVR, and took payment details.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX and XX/XX/XXXX.

N/A

Paid county taxes to xx County disbursed from escrow on several occasions: $XXX.XX on XX/XX/XXXX, $XXX.XX on XX/XX/XXXX, $XXX.XX on XX/XX/XXXX, and $XXX.XX on XX/XX/XXXX.

N/A

706996

XXXX

On XX/XX/XXXX, XXXX XXXX communicated about an insurance charge refund and PMI cancellation. On XX/XX/XXXX, XXXX submitted a web inquiry requesting previous mortgage statements and contact through email.

N/A

On XX/XX/XXXX and XX/XX/XXXX, borrower XXXX acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

County taxes for the Xnd half of XXXX were paid on XX/XX/XXXX, the Xst half of XXXX taxes were paid on XX/XX/XXXX, and the Xnd half on XX/XX/XXXX. The Xst half of XXXX taxes were paid on XX/XX/XXXX, disbursed from escrow to xx City & County.

N/A

On XX/XX/XXXX, communications indicated that the Private Mortgage Insurance had been cancelled effective XX/XX/XXXX, and the April PMI charge was refunded.

N/A

618566

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX called to inquire about the status of a homeowners insurance payment. Throughout the year, communication with XXXX confirmed billing and payment issues, such as on XX/XX/XXXX and XX/XX/XXXX, where she discussed insurance policy payment difficulties.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

Local county taxes were paid from escrow on multiple occasions. On XX/XX/XXXX, taxes of $X,XXX.XX for XXXX were paid to xx County. On XX/XX/XXXX, another payment of $X,XXX.XX was made for the second half of XXXX taxes.

N/A

626699

XXXX

Monthly checks up consistently document last received payment and next due date, indicating the last contact with the borrower was recorded on XX/XX/XXXX when the last payment was received.

N/A

On XX/XX/XXXX, county taxes for xx County were paid totaling $XXXX.XX. Similarly, on XX/XX/XXXX, county taxes amounting to $XXXX.XX were disbursed for payment to xx County through XXXX.

N/A

733883

XXXX

On XX/XX/XXXX, XXXX XXXX responded to an email from XXXX regarding payment issues, and they communicated several times via email about adjusting payment amounts and resolving payment shortfalls. On XX/XX/XXXX, XXXX introduced herself as the new account manager, confirming the account was in good standing.

N/A

On XX/XX/XXXX, city taxes for XXXX amounting to $X,XXX.XX were paid to xx City from escrow funds.

N/A

590930

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX called regarding payment increase despite paying the escrow shortage. She was informed about the new payment setup based on X/XXth calculation of insurance and taxes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Between XX/XX/XXXX and XX/XX/XXXX, the borrower, Yvonne, discussed the issue of improper tax charges. She believed she was exempt from certain taxes since XXXX and intended to provide supporting documents to the tax department.

N/A

828024

XXXX

On XX/XX/XXXX, an outbound call to the borrower resulted in a voice message as contact could not be established. Borrower's recurring payment had expired in July.

N/A

On XX/XX/XXXX, a PO from XXXX was received and forwarded to an account manager due to a docu sign.

Several payments were made for county taxes for XXXX, XXXX, XXXX from xx County disbursed from escrow with specific amounts wired to XXXX for payment to the tax office.

N/A

597210

XXXX

On XX/XX/XXXX, borrowers were contacted regarding a payment plan and servicer details. The last known contact was recorded on XX/XX/XXXX, discussing escrow analysis and payment differences.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website in August XXXX and August XXXX.

N/A

Paid XXXX county taxes amounting to $XXXX.XX on XX/XX/XXXX using escrow funds, and similarly, paid XXXX county taxes of $XXXX.XX on XX/XX/XXXX.

N/A

Observed a repayment plan from XX/XX/XXXX, completed by XX/XX/XXXX. Ongoing payment arrangements discussed post April and May XXXX due to NSF issues.

N/A

934303

XXXX

The borrower was regularly contacted via payment notifications. Notably, they refused consent to share private data on XX/XX/XXXX and XX/XX/XXXX, and submitted an inquiry regarding year-end tax information on XX/XX/XXXX. There were no direct communications noted until these instances.

N/A

No significant fraud events were directly reported, although the borrower acknowledged reading tips to help reduce fraud on XX/XX/XXXX and X/XX/XXXX.

N/A

Taxes were paid regularly, including payments for XXXX and XXXX county taxes disbursed from escrow, and tax documents were uploaded to the print vendor on XX/XX/XXXX.

N/A

755197

XXXX

Title Issues - Open/Active,Active Litigation

Regular contact was maintained with borrower XXXX through a series of calls and emails, verifying details and confirming payments over the phone. Last notable discussion occurred on XX/XX/XXXX, where a payment was confirmed with a follow-up email. Subsequent correspondences indicate good communication and resolution of payment concerns, as seen in the email exchanges leading up to XX/XX/XXXX, regarding eminent domain.

N/A

On XX/XX/XXXX, a comment mentioned the need to monitor any compensation due to an eminent domain issue so that funds are directed appropriately. On XX/XX/XXXX, details of a Notice of Acquisition from the xx Sewer District were discussed in relation to eminent domain, with further instructions given to the borrower.

N/A

On XX/XX/XXXX, a note indicated no recent bankruptcy but referenced a previous Chapter XX bankruptcy.

On XX/XX/XXXX, updates on the borrower website included the acknowledgment of fraud reduction tips, showing awareness regarding fraud prevention.

On XX/XX/XXXX, there was discussion regarding eminent domain and ensuring any compensation is directed appropriately, which may impact the title.

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid from escrow to xx County, indicating ongoing management of property taxes to maintain compliance.

On XX/XX/XXXX, correspondence indicated the assignment of a litigation attorney to handle matters related to the borrower's case, further mentioning the monitoring of the litigation on behalf of investors.

N/A

On XX/XX/XXXX, there was reference to a modification on file, indicating the account's maturity date extends to XX/XX/XXXX.

N/A

675097

XXXX

On XX/XX/XXXX, spoke with XXXX regarding a fee notice. Discussions involved setting up payments and addressing language preferences during calls. On XX/XX/XXXX and XX/XX/XXXX, confirmed payment setups with XXXX who requested assistance from Spanish-speaking representatives.

N/A

Throughout XXXX and XXXX, taxes were paid in installments to xx County, and notices of escrow shortages were addressed through adjustments. Current and contractually current status related to taxes and escrow was maintained.

N/A

348213

XXXX

On X/XX/XXXX, the borrower XXXX XXXX called to inquire about setting up a payment. On subsequent dates throughout XXXX and XXXX, the borrower continued regular contact regarding payments, confirmation numbers, and payment status, with phone calls recorded on multiple dates for setting up Check by Phone Payments (CBP). The borrower's information was routinely verified as per regulation requirements. The last recorded contact addressing the most recent payment was made on X/XX/XXXX, confirming full details for processing the payment.

N/A

Throughout the loan's history, the borrower has been involved in a Chapter XX bankruptcy case (Case #XX-XXXXX), with its initial filing date on X/XX/XXXX. The borrower is current with arrears and ongoing payments as per the plan prescribed under bankruptcy. There have been multiple revisions and verifications concerning payment changes, breakdowns of Post-Petition Payments (POC and APO), and adjustments to ensure compliance with the setup agreed under bankruptcy proceedings. Notices of Payment Change (NOPC) and other loan specifics have been scrutinized and updated as necessary. Routine monthly reviews were conducted to ensure no objections to the trustee's orders or inadvertent failures in following up. Issues related to payments in arrears were addressed, and loans were amended as per trustee's directions, including the handling of impending buyer agreements and non-compliance notices. Finally, the Note of Final Cure (NOFC) filed on XX/XX/XX indicated that there might be an objection to the discharge, with the trustee acknowledging no objection needed.

N/A

823847

XXXX

On XX/XX/XXXX, payment notification emails were sent timely, with multiple updates to billing statements indicated from XX/XX/XXXX onwards. Last notable contact involved borrower refusing consent for data sharing on XX/XX/XXXX, followed by updates to borrower website settings on XX/XX/XXXX.

N/A

On XX/XX/XXXX, checks from XXXX were incorrectly addressed and returned, despite the address being historically correct. These checks were resent overnight.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

On XX/XX/XXXX, county taxes for the year XXXX were paid in the amount of $XXXX.XX to xx County. Similarly, on XX/XX/XXXX, taxes for XXXX amounting to $XXXX.XX were disbursed.

N/A

Payment date and amount setting updates were noted on XX/XX/XXXX and XX/XX/XXXX.

N/A

530682

XXXX

The borrower received numerous billing statements and payment notifications consistently each month, such as the notifications sent on XX/XX/XXXX, XX/XX/XXXX, and similar dates in subsequent months, indicating regular communication regarding payments and account updates.

N/A

Throughout the year, payments were made for city and county taxes. Notably, on XX/XX/XXXX, city taxes of $XXX were paid to xx City from escrow, wired on XX/XX/XXXX. On XX/XX/XXXX, county taxes of $XXXX were paid to xx County from escrow, wired on XX/XX/XXXX. In XXXX, county tax payments were $XXXX on XX/XX/XXXX and city tax payments were $XXX on XX/XX/XXXX.

N/A

928982

XXXX

Active Bankruptcy

On XX/XX/XXXX, during a trustee arrears payment review, there was contact regarding clearance and updates needed. On XX/XX/XXXX, a customer call was received regarding installment due dates post-bankruptcy proceedings. Borrower updated preferences and provided necessary verifications. The ongoing payment adjustments and thank-you notes indicate cordial contact sequences.

N/A

On XX/XX/XXXX, a borrower was sent an insurance claim letter, indicating a property issue requiring attention. Further details not specified in the comment.

Numerous mentions of NOPC (Notice of Payment Change) referrals and monitoring for NOFC (Notice of Final Cure) throughout the year, particularly for the case opened in XXXX. These comments include the tracking of case status and updating of related documents.

The ongoing bankruptcy case #XX-XXXXX includes regular trustee payments and monitoring. Updates on payment statuses, arrears owed, and legal notices were frequently noted, with particular emphasis on NOFC reminders from pre-XXXX accounts. An escrow analysis indicating a shortage and adjustments in mortgage terms were reported in February XXXX. The updates continued to show reconciliation efforts, clearing of arrears, and timely payments.

N/A

Comments mention the payment of county taxes disbursed from escrow several times during the timeline, specifically in August XXXX and August XXXX, but no issues directly noted.

N/A

No active loan modifications (LM) were noted during the review periods, with a continuous reminder that loan is fixed per previous modification without any step rate adjustments throughout XXXX-XXXX.

N/A

383151

XXXX

On XX/XX/XXXX, XXXX called for information about his county taxes. The borrower, XXXX, expressed unaware of changes in payment amount while in Germany, requesting a late fee waiver on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to discuss credit reporting preferences, and various interactions with authorized representative xx also occurred on that day. On XX/XX/XXXX, discussions focused on updating bank details and ex-wife’s access. Multiple inquires were made by XXXX and xx in February XXXX regarding adjustments and cancellations of payments, reflecting attempts to manage accounts correctly amidst changes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website.

N/A

On XX/XX/XXXX, inquiries about county tax amounts were made, with one conversation confirming a tax amount of $X,XXX.XX. On XX/XX/XXXX, XXXX county taxes of $X,XXX.XX were paid to xx County. On XX/XX/XXXX, XXXX county taxes of $X,XXX.XX were similarly paid.

N/A

942815

XXXX

Delinquent Taxes

On XX/XX/XXXX, an email was sent to borrower XXXX regarding an updated escrow analysis following a voicemail about mortgage payment increase. Further details were provided for the borrower's review.

N/A

On XX/XX/XXXX, user XXXX acknowledged tips to reduce fraud and refused consent to share private or credit data with outside entities and XX.

N/A

Payments for county taxes were made twice in XXXX and twice in XXXX, each time disbursed from escrow to XX County.

N/A

970089

XXXX

N/A

Throughout XXXX and XXXX, various tax payments were made from escrow for town, village, and school taxes for properties located in xx and xx, such as payments on X/XX/XXXX, X/XX/XXXX, X/XX/XXXX, and X/XX/XXXX. These payments ensured that the outstanding property tax obligations to local taxing authorities were met on time.

N/A

712246

XXXX

Delinquent Taxes

On XX/XX/XXXX, borrower contacted regarding payment setup issues and incorrect payment amounts. On XX/XX/XXXX, borrower called regarding escrow payment increase and tax issues. Lastly, on XX/XX/XXXX, borrower disputed the timing of her payment due to time zone differences.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by user XXXX on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

On XX/XX/XXXX, an annual escrow analysis revealed a large shortage of $XX,XXX.XX due to increased taxes. On XX/XX/XXXX, borrower was advised to review tax exemption with county tax office. Payment adjustments were made, and the escrow shortage was spread over XX months, as confirmed by XXXX in a call and email communication on XX/XX/XXXX.

N/A

980530

XXXX

Delinquent Taxes

Numerous interactions occurred between March XXXX and February XXXX, primarily focused on payment confirmations and inquiries about past due statuses. Notably, on XX/XX/XXXX, XXXX XXXX contacted the servicer questioning the principal balance, leading to detailed discussions about the modification terms. Last noteworthy contact was on XX/XX/XXXX when XXXX expressed intent to make a payment through his daughter. He continued regular involvement concerning ongoing payments, settings updates, and inquiries.

The borrower has been consistently making payments, though there were communications and reminders about past due amounts and late fees. On XX/XX/XXXX, there was a significant discussion regarding the principal balance which seemed incorrect to the borrower, attributed to past due amounts when XXXX sold to XXXX. The borrower expressed concerns over a loan modification and its impact on the principal balance, indicating previous periods of default and adjustments.

On XX/XX/XXXX, there was an insurance claim related to wind and hail damage with a date of loss recorded as XX/XX/XXXX. The borrower and servicer worked together to forward adjuster's report to the insurance claims department. The insurance process included receiving and returning an insurance claim check for the amount of $X,XXX.XX on several occasions for endorsement.

N/A

There was an acknowledgment by the borrower on XX/XX/XXXX regarding tips to help reduce fraud, indicating a proactive approach to prevent fraudulent activities concerning the mortgage account.

N/A

On XX/XX/XXXX, it was noted that taxes from XXXX-XXXX are in an over-XX tax deferral with payments ongoing. As on XX/XX/XXXX, further updates indicate taxes for XXXX-XXXX are delinquent. The account remains in active deferral, preventing lawsuits unless there's a change in property ownership.

N/A

A modification by XXXX effective XX/XX/XXXX was thoroughly reviewed and adjusted for miscalculations found during a Data Quality Audit on XX/XX/XXXX. Details included correcting the grace days and the payment structure from Balloon to Fully Amortizing. Issues related to the modification terms were clarified with the borrower on XX/XX/XXXX.

N/A

652471

XXXX

On XX/XX/XXXX, there was an email sent to the borrower reminding them to contact regarding the account. On XX/XX/XXXX, XXXX received a call about account details and was concerned about scams, leading to confirmation from xx. On XX/XX/XXXX, XXXX inquired about bringing the account current. On XX/XX/XXXX, XXXX indicated she would settle her accounts by the end of July following a settlement payout. On XX/XX/XXXX, XXXX mentioned expecting funds from a settlement soon, indicating intent to settle with plans to make a payment by XX/XX/XXXX.

N/A

Throughout XXXX, there were multiple interactions related to foreclosure proceedings. Starting in April, various demand and reinstatement letters were issued, with amounts required for payment updated. Payments were received, prompting reviews and the cancellation of a demand letter on October XX, XXXX. Further interactions regarding loans being current suggest the borrower managed to stay up-to-date.

N/A

The borrower acknowledged reading tips to reduce fraud and refused consent to share private data with XX and outside entities several times, the most recent acknowledgment being on February X, XXXX.

N/A

On May XX, XXXX, town taxes for the second half of XXXX were paid to xx town, and similar payments occurred on December XX, XXXX, and December XX, XXXX, for subsequent periods.

N/A

On June X, XXXX, there was a suggestion to set up a repayment plan to bring the loan to a current status.

N/A

481813

XXXX

Throughout the interaction from March XXXX to February XXXX, several updates were made by the borrower on their account preferences, including opting for mailing delivery for billing statements and setting email notifications for various account changes. Payments were consistently made online, and the borrower actively managed their account preferences.

N/A

The payment of county taxes was addressed efficiently, including disbursements from escrow to pay xx County in XXXX and XXXX, with the funds being wired to XXXX for payment. Additionally, annual escrow analyses revealed instances of shortages that required adjustments to billing statements, ensuring compliance with tax liabilities.

N/A

453134

XXXX

On XX/XX/XXXX, XXXX called to make a payment and inquired about the billing statement issue. They explained that their mail was being incorrectly returned as the property next door is the vacant one. On XX/XX/XXXX, XXXX called to confirm an extra $XXX was posted to the principal of their payment.

N/A

Per the tax office website, as of XX/XX/XXXX, the borrower's taxes are paid and current, with the next tax bill due by XX/XX/XXXX. Additionally, xx County website confirms taxes are paid and current with the next bill due by XX/XX/XXXX.

N/A

604502

XXXX

On X/XX/XXXX, XXXX XXXX inquired about removing Private Mortgage Insurance (PMI) due to home value increase. On X/XX/XXXX, it was communicated that PMI could be removed once the principal balance reduces to $XXX,XXX. On X/X/XXXX, there was an issue with payment amount due to a change, and follow-up for correction was needed. Messages were left on X/X/XXXX and X/X/XXXX for the borrower, indicating ongoing communication attempts.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud and refused consent to share private data with both XX and outside entities. A similar acknowledgement was made again on X/X/XXXX.

N/A

Payments for county taxes were made for the first half of XXXX on X/XX/XXXX and the second half on X/XX/XXXX. For XXXX, the first half payment was made on X/XX/XXXX, and the second half on X/XX/XXXX. Year-end tax documents for XXXX were uploaded on X/XX/XXXX.

N/A

599838

XXXX

On XX/XX/XXXX, customer service spoke with XXXX, confirmed his details, and mailed a billing statement. On XX/XX/XXXX, XXXX called to inquire about payment options and credit card usage. He was informed of the available payment methods and restrictions. On XX/XX/XXXX, an incoming call was received, and identity was verified through IVR.

N/A

The records show that payments for county taxes were made to XX County funded through escrow accounts on several occasions, including payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

461901

XXXX

On XX/XX/XXXX, XXXX contacted the servicer to discuss the homeowners insurance payment, concerned that the premium had not been paid despite funds being disbursed. She sought verification and was advised to contact her insurance company for confirmation. XXXX acknowledged receipt of the email and stated she intended to verify the details with them.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, the first half of XXXX county taxes amounting to $XXX.XX were paid. Similarly, the second half was paid on XX/XX/XXXX. Payments for XXXX taxes were made on XX/XX/XXXX for the first half, and on XX/XX/XXXX for the second half.

N/A

598082

XXXX

On XX/XX/XXXX, XXXX called from (XXX)XXX-XXXX asking about a payment not being deducted from his account due to a bank outage, advised to check by the end of the week. On XX/XX/XXXX, a request for loan status update was submitted online, and on XX/XX/XXXX, an email was sent regarding the borrower's loan status with details on due payments.

N/A

There were acknowledgements by the borrower reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX and XX/XX/XXXX.

N/A

Payments for county taxes were disbursed from escrow on XX/XX/XXXX in the amount of $X,XXX.XX to xx County, and similarly on XX/XX/XXXX the same amount was disbursed to xx County.

N/A

Due to a bank outage, a delay occurred in payments being taken from the borrower's account, as explained on XX/XX/XXXX.

475828

XXXX

On XX/XX/XXXX, the borrower reached out about a payment reversal due to insufficient funds, reflecting concern about possible scams.

N/A

On XX/XX/XXXX, tips to help reduce fraud were acknowledged by the borrower on the website. Again, on XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud.

N/A

Regular payments for borough taxes were documented: XQ taxes were paid on XX/XX/XXXX and XX/XX/XXXX, and XQ taxes on XX/XX/XXXX and XX/XX/XXXX, with each payment disbursed from escrow.

N/A

587115

XXXX

Active Bankruptcy

On XX/XX/XXXX, borrower communicated willingness for loan modification despite foreclosure status. Multiple contacts ensued into XXXX addressing trial payments, modification culminating with the final trial payment confirmed on X/XX/XXXX.

N/A

Foreclosure hold was placed several times throughout the year with the last extension ending on X/X/XXXX. Foreclosure sale was initially set for X/X/XXXX but was postponed due to workout efforts. Communication between parties indicated that modification and installment payments were underway, aiming to resolve foreclosure issues.

Chapter XX bankruptcy case number XX-XXXXX remains open with relief granted on X/X/XXXX. Another bankruptcy was filed under case number XX-XXXXX on X/X/XXXX. Various plans and objections were filed, reviewed, and discussed between parties, with emphasis on reconciling arrears and addressing modifications.

N/A

Paid XXXX county taxes amounting to $X,XXX.XX to xx County.

A series of communications focused on plan reviews and confirmations related to bankruptcy proceedings. Various objections were filed and later resolved through consent orders, impacting the loan modification processes.

N/A

A trial payment plan was successfully completed, leading to a permanent loan modification effective X/X/XXXX. The modification included changes to principal and interest, as well as adjustments to escrow requirements.

N/A

383183

XXXX

On XX/XX/XXXX, the borrower contacted regarding confusion about their billing statement, suspecting a missed payment. They were informed all payments were current.

N/A

The borrower acknowledged reading tips on fraud prevention on the website on XX/XX/XXXX and again on XX/XX/XXXX. There were no indications or reports of fraudulent activity, only preventive measures being acknowledged.

N/A

XXXX county taxes of $XXXX.XX were paid from escrow to xx County on XX/XX/XXXX. XXXX county taxes of $XXXX.XX were paid from escrow to the xx County tax collector on XX/XX/XXXX.

N/A

392183

XXXX

On XX/XX/XXXX, XXXX XXXX called requesting the loan number for her insurance. This indicates ongoing communication between the borrower and the servicer, with the most recent detailed conversation on XX/XX/XXXX, where XXXX explored options for traXXerring the loan to her nephew. On XX/XX/XXXX, XXXX contacted to inquire about traXXerring the note to a relative, while on XX/XX/XXXX, a conversation ensued with her husband xx. Throughout this period, frequent billing statements and payment notifications were sent regularly to XXXXX email.

N/A

The borrower paid the XXXX county taxes of $XXXX.XX and the XXXX county taxes of $XXXX.XX from escrow, with funds wired to XXXX for payment to xx County. Annual escrow analysis revealed a XXXX shortage of $XXX.XX, to be spread over XX months, and a XXXX surplus of $XXXX.XX returned to the borrower.

N/A

The loan was modified on XX/XX/XXXX, with a fixed interest rate of X.XXX%, maturity date set for XX/XX/XXXX. Corrected maturity type from Balloon to Fully Amortizing as per the Loan modification agreement on XX/XX/XXXX.

N/A

406726

XXXX

Throughout the period from March XXXX to February XXXX, frequent communications were made with XXXX, the borrower's wife and authorized third-party, to set up and authorize check-by-phone (CBP) payments. The latest processed CBP payment was arranged on XX/XX/XXXX for $XXX.XX. XXXX consistently confirmed the last four of her Social Security number and provided authorization for payments from their account ending in XXXX. Regular confirmations and payment set-ups were documented for subsequent months.

N/A

Throughout XXXX and XXXX, county taxes were paid on behalf of the borrower through escrow. Payments for XXXX second half, XXXX first and second half, and XXXX first half were made, with amounts ranging from $XXX.XX to $XXX.XX, disbursed to xxCounty via wired funds to XXXX for payment.

N/A

955476

XXXX

N/A

On XX/XX/XXXX, HOI policy renewal was received from xx effective XX/XX/XXXX to XXXX and was filed after being updated with correct clauses. On XX/XX/XXXX, cancellation notice was received from XXXX effective XX/XX/XXXX, and a recheck was planned for XX/XX/XXXX. On XX/XX/XXXX, reinstatement notice was received which made the cancellation void, and the policy remained active. On XX/XX/XXXX, a renewal notice from XXXX Insurance was received for the policy effective XX/XX/XXXX to XXXX, and it was properly logged and filed.

N/A

On XX/XX/XXXX, xx County website confirmed taxes were paid current with next due on XX/XX/XXXX. On XX/XX/XXXX, it was confirmed that taxes are paid through the XXXX/XXXX tax year, with XXXX/XXXX taxes due on XX/XX/XXXX.

N/A

860708

XXXX

On XX/XX/XXXX, the borrower contacted regarding information about their principal balance, which was confirmed to be $XX,XXX.XX. Discussion included payment contribution towards principal and ways to expedite repayment via an amortization schedule.

N/A

Throughout XXXX and XXXX, the borrower made consistent tax payments for parish and town taxes, with funds disbursed from the escrow account. On December XX, XXXX, xx of $XXX.XX and xx Town taxes of $XXX.XX were paid. In XXXX, parish taxes were dispatched with a company check for $XXX.XX on December X, XXXX, and subsequently received confirmation on January X, XXXX. xx Town taxes of $XXX.XX were disbursed on December XX, XXXX.

N/A

591111

XXXX

On XX/XX/XXXX, XXXX inquired about the increase in his escrow payment and was informed it was due to changes in taxes and insurance. On XX/XX/XXXX, XXXX was informed about an insurance premium increase and agreed to look for cheaper options. He was provided with the details of his new asset manager.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website.

N/A

Multiple property tax payments were made, including $X,XXX.XX to xx Township on XX/XX/XXXX, $X,XXX.XX for school taxes on XX/XX/XXXX, $X,XXX.XX for XXXX town taxes on XX/XX/XXXX, and $X,XXX.XX on XX/XX/XXXX for school taxes.

N/A

655098

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX XXXX contacted to set up autopay. On XX/XX/XXXX and XX/XX/XXXX, he reached out about payment issues. On XX/XX/XXXX, he inquired about autopay changes and unresolved escrow issues. Various calls were made by the borrower discussing payments and late fees from XX/XX/XXXX to XX/XX/XXXX.

N/A

There were several discrepancies in tax payments. On XX/XX/XXXX and XX/XX/XXXX, payments were made for county and town taxes, respectively. A refund was received for duplicate payment on XX/XX/XXXX and XX/XX/XXXX. The township and county taxes for XXXX were paid on XX/XX/XXXX, and school taxes on XX/XX/XXXX. Duplicate payments were refunded on XX/XX/XXXX.

N/A

Multiple updates were made on the borrower's payment plan due to adjustable rate modifications. EFT amounts changed during phone authorizations on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, involving approval from xx to change automatic payments to accommodate new payment amounts.

N/A

Ongoing changes to the borrower's payment plan were primarily handled over the phone with confirmations on various dates including XX/XX/XXXX, XX/XX/XXXX, and updates confirmed on XX/XX/XXXX.

N/A

391783

XXXX

On XX/XX/XXXX, there was an outbound call to XXXX who was verified through personal information. The discussion included details about the escrow analysis and future payment adjustments. XXXX called back from a residential location, leaving a message to call.

N/A

Throughout the records, the borrower acknowledged reading tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX.

N/A

County taxes for XXXX and XXXX were paid from the escrow account on XX/XX/XXXX and XX/XX/XXXX respectively, to XX county. These payments ensured the borrower's tax obligations were being met.

N/A

400025

XXXX

On XX/XX/XXXX, XXXX confirmed personal information during a call and inquired about her loan type, which was clarified as conventional. On XX/XX/XXXX, XXXX contacted the insurer regarding reimbursement of funds for home repairs, and the procedure for obtaining residual funds was explained.

N/A

In December XXXX, XXXX reported receiving an insurance check for over $XX,XXX due to a burst water pipe in August. An email in January XXXX confirmed receipt of the loss draft check but required missing documents for fund release. Subsequent communications detailed the need for documentation such as contractor invoices, photos of the work, and an insurance adjustor's report. Approved loss draft disbursements were made to XXXX for $XX,XXX.XX and $X,XXX.XX in January XXXX.

N/A

In September XXXX, the borrower, Sofia, acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

County taxes for Multnomah County totaling $X,XXX.XX and $X,XXX.XX were paid from escrow on XX/XX/XXXX and XX/XX/XXXX.

N/A

812354

XXXX

On XX/XX/XXXX, the borrower confirmed receipt of a letter and updated their monthly payment amount to $X,XXX.XX, along with an additional payment of $XXX.XX to cover an escrow shortage. They requested notification of any further actions needed. The last documented contact was on XX/XX/XXXX, where they adjusted their payments in line with escrow changes.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. This was noted again on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower paid the XXXX first half county taxes amounting to $X,XXX.XX. On XX/XX/XXXX, they paid the XXXX second half taxes in the amount of $X,XXX.XX. The payment of XXXX county taxes was noted on XX/XX/XXXX for the first half at $X,XXX.XX and on XX/XX/XXXX for the second half at $X,XXX.XX.

N/A

531367

XXXX

On XX/XX/XXXX, called XXXX but left a message as there was no answer. Later, a conversation with XXXX regarding an unpaid second policy, possible unescrow of HOI and taxes took place. On XX/XX/XXXX, a call confirmed borrower expressed concern about unemployment and stress, following up with a discussion about a second policy and escrow collections.

N/A

Acknowledged reading tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX by the borrower through the website.

N/A

On XX/XX/XXXX, paid first half of XXXX county taxes amounting to $XXXX.XX. On XX/XX/XXXX, paid second half of XXXX county taxes amounting to $XXXX.XX. On XX/XX/XXXX, paid first half of XXXX-XX county taxes in the amount of $XXXX.XX.

N/A

359038

XXXX

On XX/XX/XXXX, XXXX XXXX requested a copy of her mortgage note. On XX/XX/XXXX, she reported applying for a home equity loan and required mortgage verification, leading to multiple communications with xx. On XX/XX/XXXX, XXXX inquired about her escrow surplus, being assured that taxes would still be paid with her payments reducing slightly. On XX/XX/XXXX, XXXX called to inquire about payoff timing, given fortnightly payments. The loan calculator tool was used to discuss this with her.

N/A

On XX/XX/XXXX, an unrecorded Assignment of Mortgage (AOM) was shipped from XXXX. The shipment was delivered on XX/XX/XXXX with tracking number XZXXVXXXXXXXXXXXXX.

Property taxes were disbursed multiple times from escrow to the xx Town, including payments for XXXX XQ on XX/XX/XXXX, and subsequent quarterly payments in XXXX and XXXX.

N/A

There were notes indicating 'No' modifications found as of XX/XX/XXXX during a review update. No modifications are noted in the records.

N/A

764272

XXXX

On XX/XX/XXXX, contact was made with XXXX to confirm details about insurance payment. Another interaction occurred on XX/XX/XXXX, when XXXX inquired about a pending payment from XX/XX/XXXX, which had not been deducted from her account yet. It was explained that the delay was due to a potential bank issue, and she was advised to keep the payment where it was until resolution.

N/A

The payment of county taxes was consistently handled, with amounts disbursed from escrow to xx County. On XX/XX/XXXX, $XXXX.XX was paid for XXXX second half county taxes. Another transaction on XX/XX/XXXX, for $XXXX.XX to xx County for taxes. Most recently, on XX/XX/XXXX, $XXXX.XX was paid for XXXX second half taxes.

N/A

A data quality audit confirmed the loan is unmodified and maintains the terms of the original XXXX Note as of XX/XX/XXXX. The loan is not credit reporting, and late charges have been adjusted per management instructions.

N/A

649087

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower called regarding a tax bill, and on XX/XX/XXXX, there was a payment change where the borrower sent in their old payment amount; they were advised to update their payment. On XX/XX/XXXX, communication with borrower XXXX involved confirming details and addressing concerns about payment increases, updating EFT, and changing the bank-drafted payment amount.

N/A

On XX/XX/XXXX, the borrower stated they received a tax bill for $XXX, suspected to be supplemental taxes, and was advised to send it to xx for forwarding to the tax department. On XX/XX/XXXX, county taxes for XXXX amounting to $XXXX.XX were paid from escrow to xx County. On XX/XX/XXXX, XXXX county taxes amounting to $XXXXX.XX were disbursed from escrow, wired to XXXX for payment to the tax office.

N/A

570680

XXXX

On XX/XX/XXXX, XXXX XXXX inquired about accessing the account to make payments; access was restricted due to arrears. On XX/XX/XXXX, communication touched on past due payments. As of XX/XX/XXXX, XXXX has been in contact regarding payment status. On XX/XX/XXXX, a plan was agreed upon to correct delinquencies.

On XX/XX/XXXX, borrower XXXX reports a job loss and illness, indicating a struggle to meet payment obligations. Unemployment benefits have been approved, but the borrower is working to get caught up financially.

N/A

The payments for XXXX county taxes were disbursed from escrow. Payments include $XXX.XX on XX/XX/XXXX, $X,XXX.XX on XX/XX/XXXX, $XXX.XX on XX/XX/XXXX, and $XXX.XX on XX/XX/XXXX.

N/A

Loan modifications were noted to be part of the borrower's accounts on XX/XX/XXXX.

N/A

A two-month repayment plan starting in July with payments of $XXX.XX was proposed to bring the account current by August.

N/A

364434

XXXX

On XX/XX/XXXX, contact with the borrower revealed that they were struggling due to a car accident and discussed the possibility of a forbearance or repayment plan. The last contact on XX/XX/XXXX confirmed payment update and discussed late fees.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Property taxes have been consistently paid from the escrow. For example, on XX/XX/XXXX and XX/XX/XXXX, funds were disbursed to cover county taxes.

N/A

In August XXXX, the borrower requested assistance after being unable to catch up due to an unfortunate accident. A X-month repayment plan was agreed upon, requiring a monthly total of $X,XXX.XX starting September XXXX.

The request for a forbearance was denied in September XXXX.

N/A

788517

XXXX

On XX/XX/XXXX, borrower XXXX XXXX called to discuss payment history and escrow analysis, expressing confusion about her payment history. A detailed explanation was provided, and potential tax exemptions were discussed.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

On XX/XX/XXXX, a data quality audit was conducted, adding Vested Interest, XXXX, to contacts as per the mortgage and title search.

Throughout the period, various tax payments were made on behalf of the borrower, including payments to xx City for city taxes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

731138

XXXX

There was consistent involvement with the borrower through web payments from XX/XX/XXXX to XX/XX/XXXX. The borrower also acknowledged reading anti-fraud tips on XX/XX/XXXX. The borrower refused consent to share personal data several times, including on XX/XX/XXXX and XX/XX/XXXX.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by user XXXX on XX/XX/XXXX.

N/A

County taxes were systematically paid with escrow funds. On XX/XX/XXXX, XXXX XH taxes of $XXX.XX were paid. XXXX XH taxes of $XXX.XX were disbursed on XX/XX/XXXX. XXXX XH taxes of $XXX.XX were settled on XX/XX/XXXX. XXXX XH taxes of $XXX.XX were paid on XX/XX/XXXX.

N/A

649246

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower updated billing preferences and settings via the website. On XX/XX/XXXX, the borrower contacted the service center in Spanish about privacy agreements on the website. On XX/XX/XXXX, the borrower contacted regarding past due taxes, denying responsibility for them. On XX/XX/XXXX, an outbound introduction email was sent by XXXX, informing the borrower of her reassignment as Asset Manager, emphasizing open communication channels. On XX/XX/XXXX, the borrower updated billing and notification preferences, and acknowledged refusals to share private and credit data with affiliates and outside entities.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, it was noted that the borrower had delinquent supplemental taxes amounting to $XXX.XX. An email was sent on XX/XX/XXXX by xx, discussing the delinquent taxes. On XX/XX/XXXX, it was confirmed by the xx County website that unsecured supplemental taxes of $XXX.XX are present but are not the homeowner's responsibility. Similar comments were reiterated on XX/XX/XXXX regarding unsecurity supplemental taxes.

N/A

800177

XXXX

Active Bankruptcy

On XX/XX/XXXX, the borrower contacted concerning payment changes due to escrow analysis. On XX/XX/XXXX, the co-borrower asked details about their HOI company for a weather-related claim.

The borrower has a contractually current status with no specific issues related to income or employment reported.

During a call on XX/XX/XXXX, the borrower inquired about insurance due to bad weather and needed to file a claim.

N/A

On XX/XX/XXXX and XX/XX/XXXX, calls were made verifying bankruptcy information with the borrower.

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged tips on reducing fraud on the website.

N/A

County taxes for xx County were paid on XX/XX/XXXX and XX/XX/XXXX. Taxes for XXXX were paid on XX/XX/XXXX and XX/XX/XXXX.

N/A

743604

XXXX

On XX/XX/XXXX, XXXX XXXX communicated the completed wire transfer for reinstating the loan and confirmed receipt on the same day. Earlier on XX/XX/XXXX, XXXX had informed the company about working on the December repayment plan payment.

The XXXX family faced several financial challenges as the husband lost his job and both he and his wife dealt with the financial strain from their children's expenses and the rising cost of living. The couple tried to manage with increased payments but requested several times for loan modification or reduced payments due to their financial hardship.

N/A

The loan went through a series of foreclosure processes with sale dates set and later postponed multiple times as the borrowers worked on obtaining and reviewing modification options. The most recent sale was eventually cancelled as the borrower managed to reinstate the loan by wiring the necessary funds.

N/A

Property taxes for the house were paid through escrow at different intervals, including a surplus from an escrow analysis returned to the borrower.

N/A

The borrower applied for a loan modification multiple times due to loss of income and other financial hardships. The modification requests were often denied, but eventually, a trial period plan was approved under specific terms which required reconsideration and inputs on principal balance and interest rate adjustments.

N/A

Various repayment plans were discussed and initiated, including a XX-month plan with a monthly payment of approximately $X,XXX.XX. Initially, the repayment plans were not adhered to due to financial difficulties, but later cohesive efforts were made by the borrowers to meet the requirements.

The borrower was notified that forbearance was not an option, and they instead focused on seeking modification and repayment plans.

N/A

758428

XXXX

Last contact entries include various email communications with XXXX XXXX regarding changes in homeowner's insurance policy from XXXX to XXXX between XX/XX/XXXX and XX/XX/XXXX. XXXX, an asset manager, communicated via email about multiple subjects, including insurance updates, required documents, and policy adjustments.

On XX/XX/XXXX, the account was noted as not having a modification on file and being contractually current. There was also a reference to the account as 'NLS' and contractually current on multiple entries.

N/A

Multiple entries highlight the borrower's acknowledgment of fraud prevention tips on the Borrower Website, dated XX/XX/XXXX and XX/XX/XXXX.

N/A

Property taxes for the years XXXX and XXXX were disbursed from escrow on XX/XX/XXXX and XX/XX/XXXX, respectively. Amounts of $XXX.XX and $XXX.XX were wired to the XXXX for payment to xx County.

N/A

On XX/XX/XXXX, it was noted that there was no modification on file for the account.

N/A

798350

XXXX

On XX/XX/XXXX, borrower inquired about insurance and was advised on the claims process. On XX/XX/XXXX, the borrower was informed about increased escrow payments due to heightened insurance and tax costs.

N/A

On XX/XX/XXXX, an email was sent to borrower detailing instructions for a loss draft claim related to possible wind roof damage. The email outlined requirements like adjusters report, photos of damage before/after, and contractor's proof of insurance and business license. The borrower was advised on steps for dealing with damages exceeding $XX,XXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, borrower acknowledged reading fraud prevention tips on the Borrower Website.

N/A

Throughout XXXX and XXXX, recurring payments for quarterly xx County taxes were noted, disbursed from escrow and wired to XXXX for further payment.

N/A

469045

XXXX

On XX/XX/XXXX, spoke with XXXX XXXX regarding escrow analysis and payment due to xx assistance. Confirmed the account details and discussed HAF funds received. On multiple occasions through calls and emails from March XXXX to February XXXX, correspondence focused on payment statuses, XX notices, adjustments, and account verification.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website and adjusted settings for statement delivery preferences.

On XX/XX/XXXX, received the original recorded assignment into MERS fromXXXX, forwarding to be custodian to pair.

Payments for county taxes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additional payment on XX/XX/XXXX covering XXXX XH taxes amounted to $XXXX.XX.

N/A

842437

XXXX

On XX/XX/XXXX, XXXX called to clarify the payment status, disputing being behind on payments. The matter was traXXerred to an account manager. On XX/XX/XXXX, XXXX expressed intent to pay the May payment and planned to make the June payment by end of the month by accessing the online portal. On XX/XX/XXXX, XXXX planned to deposit money into the account for payment. On XX/XX/XXXX, XXXX called to resolve account closure issues and made arrangements to proceed with payment. XXXX confirmed readiness to pay for several months on XX/XX/XXXX. On XX/XX/XXXX, XXXX mentioned plans to deposit funds and make a payment afterward. Later, on XX/XX/XXXX, XXXX discussed Reversal ACH and the need for a physical bank account to process payments successfully. She resolved these issues by intending to adjust her account and proceed with payments.

N/A

703027

XXXX

On XX/XX/XXXX, there was an inbound call where XXXX requested emailed pay history and billing statements, which were sent accordingly.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Various payments regarding county taxes were processed. On XX/XX/XXXX, $XXXX.XX was paid for XXXX XH county taxes. On XX/XX/XXXX, $XXXX.XX was paid for XXXX XH county taxes. On XX/XX/XXXX, $XXXX.XX was paid for XXXX XH county taxes, and $XXXX.XX for XXXX XH county taxes was disbursed on XX/XX/XXXX.

N/A

738566

XXXX

On XX/XX/XXXX, XXXX XXXX contacted HUD to inquire about removing PMI and was advised on the process. Later that day, XXXX sent an email with contact details for the PMI removal request. XXXX responded to XXXX, seeking clarification on the PMI removal process due to home value appreciation.

N/A

In May XXXX and May XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

County taxes for XXXX and XXXX were paid and disbursed from escrow in November of each respective year.

N/A

434598

XXXX

On XX/XX/XXXX, spoke with XXXXregarding escrow increase effective Aug Xst. In January XXXX, XXXXcalled to confirm principal balance and discuss credit bureau reporting. On XX/XX/XXXX, XXXXinquired about incorrect credit reporting of his mortgage and followed up via email on XX/XX/XXXX, expressing intent to contact the CFPB if not resolved. On XX/XX/XXXX, XXXXcalled questioning insurance payments set to lender pay and requested a change to self-pay. Continued discussions about insurance payments occurred in February XXXX.

N/A

On XX/XX/XXXX, user XXXX acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Taxes for XXXX were paid on XX/XX/XXXX, amounting to $XXXX.XX to XX County. For XXXX, taxes of $XXXX.XX were paid to the XX County Tax Collector on XX/XX/XXXX.

N/A

843050

XXXX

On XX/XX/XXXX, XXXX contacted the borrower regarding year-end statements and informed them about payments from August to December XXXX, advising contact with the previous servicer for details before loan transfer.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Tax payments were disbursed to xx County on XX/XX/XXXX for $XXX.XX and on XX/XX/XXXX for $XXX.XX. Subsequent payments were made in December XXXX for $XXX.XX. Year-end tax documents for XXXX were uploaded in January XXXX.

N/A

On XX/XX/XXXX, the borrower updated payment settings to make payments monthly and weekly with details provided online.

N/A

967357

XXXX

On X/XX/XXXX, borrower confirmed property and mailing address and discussed past year-end statements with previous service. On X/X/XXXX, final contact with borrower involved a call requesting payment terms and arrangements.

N/A

On X/XX/XXXX, property inspection ordered through XXXX per investor guidelines. It included an exterior/occupancy check and confirmed the property as occupied.

N/A

On XX/XX/XXXX, the customer acknowledged reading tips to help reduce fraud on the borrower website.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid to the xx county tax collector, disbursed from escrow, wired funds to XXXX for payment to the tax office.

N/A

On X/XX/XXXX, PMI deferred premium due to xx for $XXX.XX was paid from escrow. The homeowner's insurance wasn't due until XXXX, but XXXX was paid post-modification.

N/A

On X/X/XXXX, borrower was informed about past due payments and offered a short repayment plan to bring the loan current. On X/XX/XXXX, the investor approved repayment plan with two payments now, one by the end of May, and double payments in June. On X/XX/XXXX, borrower created a one-time payment of $XXX.

N/A

939892

XXXX

Throughout the timeline, consistent interactions with the borrower are noted mostly regarding payment notifications. On various occasions like XX/XX/XXXX and XX/XX/XXXX, the borrower refused consent to share private data. The last such refusal was noted on XX/XX/XXXX. The direct discussions pertained mainly to payment scheduling and confirmations.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, paid XXXX XH town taxes amounting to $XXX.XX were paid to xx from escrow. On XX/XX/XXXX, paid XXXX XH town taxes amounting to $XXX.XX were paid similarly. On X/XX/XXXX, XXXX XH town taxes of $XXX.XX were disbursed, and on XX/XX/XXXX, XXXX XH taxes amounting to $XXX.XX were similarly processed.

N/A

613701

XXXX

The last known contact event involved the borrower making one-time payments regularly from XX/XX/XXXX up to XX/XX/XXXX through the borrower website.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on preventing fraud while using the borrower website. Similarly, on XX/XX/XXXX, the borrower read about fraud prevention tips again.

N/A

Various county tax payments were managed throughout the period: On XX/XX/XXXX, $XXX.XX was paid to xx County, on XX/XX/XXXX, $XXX.XX was paid, on XX/XX/XXXX, $XXX.XX was cleared, on XX/XX/XXXX, $XXX.XX was settled, and on XX/XX/XXXX, the year-end tax documents for XXXX were uploaded to the print vendor.

N/A

659233

XXXX

On XX/XX/XXXX, the borrower updated their account settings and acknowledged reading fraud prevention tips on their website. The borrower continually updated their notification preferences for billing and consented to privacy policies, as logged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their account via the Borrower Website.

N/A

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the borrower made tax payments to XX County for various amounts by disbursing funds from escrow.

N/A

729382

XXXX

Numerous payment notifications and billing statements were consistently sent to the borrower’s email, confirming regular communication regarding payment schedules.

N/A

Comments include multiple payments from escrow for county taxes, such as payments made on XX/XX/XXXX and subsequent years reflecting regular property tax payments.

N/A

786574

XXXX

On XX/XX/XXXX, spoke with XXXX regarding a late fee in August due to a trailing payment issue since transfer. XXXX planned to make an escrow shortage payment. The customer service representative confirmed details of the property and mailing address.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX second half county taxes amounting to $X,XXX.XX were paid to xx xx from escrow. On XX/XX/XXXX, XXXX county taxes of $X,XXX.XX were similarly paid to the xx county collector.

N/A

560318

XXXX

On XX/XX/XXXX, an outbound call was made to the borrower's home and a voicemail was left to discuss the March payment, requesting a return call.

N/A

On X/XX/XXXX, the customer acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Taxes were consistently paid. On X/XX/XXXX and XX/XX/XXXX, county taxes were paid to xx county, disbursed from escrow. Further payments took place on X/XX/XXXX and XX/XX/XXXX, ensuring taxes remained current.

N/A

846526

XXXX

The borrower frequently received billing statements and made payments regularly. On XX/XX/XXXX, XXXX XXXX confirmed account details and inquired about payment schedules via phone. He also created a one-time online payment. Further interactions included calls and emails from XXXX about EFT payment updates, XX statements, and XX fee adjustments.

N/A

On XX/XX/XXXX, XXXX county taxes were paid to xx County, disbursed from escrow for $X,XXX.XX. For XXXX, $X,XXX.XX was disbursed for the same purpose. An escrow analysis on XX/XX/XXXX revealed an annual shortage of $XXX.XX, which will be spread over XX months, adjusting the escrow constant to $XXX.XX effective XX/XX/XXXX.

N/A

The account had a loan modification on XX/XX/XXXX with a fixed rate, and necessary corrections were made on XX/XX/XXXX to reflect the fully amortizing nature of the modification.

N/A

734688

XXXX

On XX/XX/XXXX, the borrower refused consent to share credit, private data with XX, and private data with outside entities. On XX/XX/XXXX, a contact update was initiated, requesting ID/SSN for contact and name changes. The borrower's primary name was updated to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the borrower requested a payoff quote, approved, and sent on XX/XX/XXXX, followed by a similar request on XX/XX/XXXX which was approved on XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for XXXX in the amount of $XXXX.XX were paid to xx County, disbursed from escrow. On XX/XX/XXXX, county taxes for XXXX amounting to $XXXX.XX were paid to xx County, also disbursed from escrow.

N/A

572516

XXXX

On XX/XX/XXXX, XXXX called to confirm last four of SSN and address with a follow-up email containing payment confirmation. On XX/XX/XXXX, borrower set up a payment, clarified it was for June and July, with confirmation sent via email. On XX/XX/XXXX, borrower called to make a payment, with confirmation details provided. On XX/XX/XXXX, borrower phoned in and verified details to set up a payment. By XX/XX/XXXX, borrower confirmed details and processed December payment, followed by confirmation email. On XX/XX/XXXX, borrower questioned payments and had their heading clarified, supported by an email. On XX/XX/XXXX, borrower arranged a payment covering three future installments and $XXXX towards the principal, with confirmation shared via email. On XX/XX/XXXX, borrower confirmed payment setup with HUD information given. On XX/XX/XXXX, borrower set up payments for December and January, including a principal contribution, and received email confirmation.

N/A

344438

XXXX

On XX/XX/XXXX, a call was made from the borrower confirming property address and SSN details. The borrower inquired about the EOY letter, which was mailed out on XX/XX/XXXX.

N/A

Throughout XXXX and XXXX, borough taxes were consistently paid from escrow to XXXX for amounts varying slightly each quarter, often around $X,XXX. This process involved payments to Brooklyn Borough and NYC's Department of Finance for quarterly taxes, notably on X/XX/XXXX, X/XX/XXXX, X/XX/XXXX, XX/XX/XXXX, X/XX/XXXX, X/XX/XXXX, X/XX/XXXX, and XX/XX/XXXX.

N/A

813111

XXXX

On XX/XX/XXXX, billing statements continued to generate and send to the borrower. On XX/XX/XXXX, a flood zone notice was dispatched to the borrower, followed by a second notice on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower was informed that the property is now located in a flood zone, with a first flood notice sent and a secondary notice followed on XX/XX/XXXX due to no response. A new flood policy was received on XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

The borrower has been consistently managing tax payments with some payments recorded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX where the borrower paid town taxes, disbursed from escrow, and wired funds to XXXX for payment.

N/A

906684

XXXX

On XX/XX/XXXX, the borrower interacted with the servicer confirming the resolution of a reversed payment due to insufficient funds and intended to handle it the same day. Further communication was conducted on XX/XX/XXXX to inform the borrower about the reversal of a payment due to insufficient funds.

The account is current and due for the next month without any specific reasons for delinquency mentioned.

N/A

The borrower acknowledged reading tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX, ensuring fraud awareness.

N/A

Tax-related payments were noted twice. On XX/XX/XXXX, the borrower paid county taxes for the first half of the year amounting to $X,XXX.XX, and on XX/XX/XXXX, paid county taxes for the second half of the year amounting to $X,XXX.XX. Taxes were again paid on XX/XX/XXXX for the first half of XXXX, totaling $X,XXX.XX and on XX/XX/XXXX for the second half, totaling $X,XXX.XX. The XXXX year-end tax documents were generated and uploaded on XX/XX/XXXX.

N/A

825500

XXXX

On XX/XX/XXXX, the customer refused consent to share private, credit data with XX and outside entities, acknowledged via web.

N/A

Bankruptcy status confirmed as no on XX/XX/XXXX, indicating the borrower has not filed for bankruptcy.

On XX/XX/XXXX, the borrower acknowledged tips to help reduce fraud on the website. On XX/XX/XXXX, similar acknowledgment by the co-borrower.

N/A

Multiple tax payments made, including $XXXX.XX for XXXX town taxes on XX/XX/XXXX, $XXXX.XX for XXXX school taxes on XX/XX/XXXX, $XXXX.XX for XXXX town taxes on XX/XX/XXXX, and $XXXX.XX for XXXX school taxes on XX/XX/XXXX. Year-end tax documents uploaded on XX/XX/XXXX.

N/A

PMI noted in comments on XX/XX/XXXX and XX/XX/XXXX.

N/A

880630

XXXX

On XX/XX/XXXX, spoke with XXXX to discuss a late payment charge which was waived after confirming the check was received but not posted due to a company mailing error.

N/A

On XX/XX/XXXX, XX County website reported that the XXXX county taxes are delinquent by $XXXX.XX, valid until XX/XX/XXXX. However, by XX/XX/XXXX, it was confirmed that taxes are paid for the XXXX tax year with the next due on XX/XX/XXXX.

N/A

911007

XXXX

On XX/XX/XXXX, the borrower called to set up a payment. On XX/XX/XXXX, the borrower contacted to verify personal info and set up a payment. On XX/XX/XXXX, the borrower made a payment over the phone due to issues with the IVR system and received a confirmation email. Last payment received was noted on XX/XX/XXXX.

Throughout the comments, there are multiple references to lack of funds and unexpected expenses, including the need for vehicle repairs, causing the borrower to fall behind on payments. They mentioned being behind on XX/XX/XXXX due to having to repair his vehicle.

N/A

A demand letter was sent on XX/XX/XXXX for $X,XXX.XX, indicating a potential foreclosure process. Comments from XX/XX/XXXX indicate funds received related to a foreclosure demand letter requiring manual review. Similar demand letters and manual reviews are noted on multiple occasions through XXXX, suggesting ongoing foreclosure proceedings.

N/A

Several comments indicate payment of county taxes from escrow accounts on different dates, including XX/XX/XXXX and XX/XX/XXXX. The borrower paid taxes for XXXX XH on XX/XX/XXXX.

N/A

On XX/XX/XXXX, there is a mention of a DQ Audit related to a loan modification from XX/XX/XXXX changing the maturity type from Balloon to Fully Amortizing.

N/A

457535

XXXX

On XX/XX/XXXX, spoke with XXXX, confirmed identity through social security and address verification. Borrower requested a document be sent via email, which was completed.

There are no comments directly indicating any issues related to reasons for default such as income loss, unemployment, or personal crises.

N/A

There is a reference to 'BK: no' in the comment dated XX/XX/XXXX, indicating that the borrower has not filed for bankruptcy. No other comments on bankruptcy are found, suggesting stability in this area.

N/A

On XX/XX/XXXX, county taxes for the second half of XXXX were paid in the amount of $XXXX.XX. This was followed by tax payments for XXXX on multiple occasions and XXXX, with payments also disbursed from escrow for both halves to xx County amounting to different totals each year.

N/A

On XX/XX/XXXX, it was noted that there is no modification on file for the account, which suggests that no adjustments to the loan terms have been made.

N/A

There are no specific comments referring to servicer errors or disputes regarding servicing transfers.

704464

XXXX

On XX/XX/XXXX, an outbound call was made leaving a message at the contact number (XXX) XXX-XXXX.

N/A

There is acknowledgment from the borrower reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

Throughout XXXX and XXXX, payments for town taxes were regularly disbursed from escrow and sent to XX Town for various quarters such as XQ XXXX, XQ XXXX, XQ XXXX, XQ XXXX, XQ XXXX, and succeeding quarters in XXXX.

N/A

968774

XXXX

The borrower frequently updated the notification settings and billing statement preferences on the Borrower Website throughout March XXXX, July XXXX, December XXXX, March XXXX, May XXXX, and August XXXX, indicating continuous engagement. The asset ID reassignment occurred on XX/XX/XXXX. The borrower refused consent to share private data and credit data several times, as noted on XX/XX/XXXX and XX/XX/XXXX items.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by user XXXX on XX/XX/XXXX and XX/XX/XXXX.

N/A

County taxes for the first half of XXXX were paid on XX/XX/XXXX, amounting to $XXX.XX. The second half was paid on XX/XX/XXXX with the same amount. Taxes for the first half of XXXX were paid on XX/XX/XXXX with a total of $XXX.XX, and the payment for the second half of XXXX was made on XX/XX/XXXX, amounting to $XXX.XX.

N/A

806218

XXXX

Active Bankruptcy

On X/XX/XXXX, XXXX at xx contacted the legal representative of the XXXXs regarding a request for payment information. The borrower, Mrs. XXXX, had submitted an inquiry through the website requesting contact via email. Due to lack of attorney authorization, details couldn't be directly shared with the borrowers.

N/A

The borrowers, XXXX, filed for Chapter XX bankruptcy under case number XX-XXXXX on X/X/XXXX. Activities include regular updates on the bankruptcy tracking module and communication with the trustee. Arrearages and ongoing payments are being managed through the bankruptcy process, with specific claims disbursed. Trustee pays were confirmed in several communications, with regular updates including escrow and payment changes. The NOPC was filed on X/XX/XXXX, reflecting updated payment terms.

N/A

There was a loan adjustment on X/XX/XXXX for a misapplied payment error corrected from October XXXX. This involved transferring funds that weren't meant for the loan, which were then rectified during the service transfer process.

828265

XXXX

Deceased Borrower

On XX/XX/XXXX, a conversation occurred with XXXX concerning late fees accrued in July and August, which ended with an acknowledgment from the borrower.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Throughout XXXX and XXXX, county taxes were paid from escrow funds to xx County. Payments occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

N/A

On XX/XX/XXXX, borrower XXXX called in informing the demise of XXXX and was asked to provide the death certificate. On XX/XX/XXXX, the death certificate for XXXX was received.

N/A

On XX/XX/XXXX, incoming calls discussed discrepancies related to loan details and required documentation verification which was resolved by requesting a copy of the note.

581850

XXXX

On XX/XX/XXXX, XXXX XXXX requested a callback via voicemail. On the same day, an outbound call was made where XX inquired about the high escrow amount and was advised about loan payoff calculations. The call included performing 'XX' confirmation procedures. Further contact on XX/XX/XXXX indicated a discussion regarding insurance policy adjustments with the possibility to redirect refunds to mitigate a shortage. XXXX was advised to use the refund from the previous insurance provider for the new policy.

N/A

Throughout XXXX, XX acknowledged tips to help reduce fraud on the Borrower Website, indicating awareness and proactive measures regarding potential fraud risks.

N/A

In XXXX, Lee County taxes amounting to $XXXX.XX were paid by disbursing funds from escrow, demonstrating proactive management of tax obligations.

N/A

345621

XXXX

Throughout multiple interactions, payment notifications and confirmation emails were consistently sent, maintaining regular contact with the borrower. In December XXXX, a request for a payoff quote was sent and processed, followed by the approval and email dispatch of a payoff statement. Lastly, from February XXXX onward, refusals to consent to sharing private and credit data were acknowledged.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website, indicating awareness and compliance with measures against fraud.

N/A

Between August XX, XXXX, and December XX, XXXX, payments of town taxes for xx were made twice: August XX, XXXX, for $XXXX.XX and December XX, XXXX, for $XXXX.XX, using escrow funds traXXerred to XXXX for tax office payments.

N/A

496064

XXXX

Delinquent Taxes

From March to June XXXX, there were several emails between the borrower and the asset manager to discuss account updates, tax payments, and procedures for making large payments. On April X, XXXX, the borrower requested information about property tax payments and the principal balance. On May XX, XXXX, the borrower asked about un-escrowing their account to take on tax and insurance payments personally. By June XX, XXXX, this request was processed following verification of the borrower's ability to handle these payments. In December XXXX, the borrower discussed potential mortgage payoff plans with their family and postponed this idea due to changes in their financial planning. Regular updates and discussions were held throughout, ensuring continuous communication about account handling and payment statuses.

N/A

Several payments were noted to the tax office, such as payments made in December XXXX and June XXXX. These payments were exclusively for XX County tax installments. The borrower also expressed interest in taking responsibility for their tax payments by opting to un-escrow the account with the condition of having XX months of on-time payments, which was confirmed and processed.

N/A

787752

XXXX

On XX/XX/XXXX, the borrower confirmed via email that a payment had been received and that the account is current, covering the upcoming month's payment as well. A more assertive communication on XX/XX/XXXX emphasized the need for certified funds to bring the account current. Consistent updates and confirmations regarding payments and online settings adjustments were evident throughout the year, reflecting regular interactions and resolutions.

There are no detailed comments indicating reasons for default in the provided data. Most of the communication revolves around payment plans and account status without a clear reason for default, such as unemployment or income loss.

Communications and tasks related to property inspections were frequent but described mainly as routine without any significant property condition issues.

There were communications involving attorney demand letters and mention of foreclosure correspondence processes, indicating the account may have been close to foreclosure proceedings. The discussion included pre-demand letters, and contacts were attempted according to procedural steps with follow-up pending potential demands.

N/A

One instance of fraud prevention tips being acknowledged by the borrower on the website was noted. There were no comments indicating actual instances or investigations of fraud.

N/A

Payment of county taxes and notifications regarding tax disbursements are noted, with no mention of issues or delinquencies.

N/A

There were consistent attempts to settle arrears and bring the account current. Discussions and email communications involved identifying pending amounts and arranging payments to bring the account to a current status, although specific repayment plans weren't detailed.

N/A

894392

XXXX

On XX/XX/XXXX, the borrower inquired about a change in loan name, highlighting the need for refinancing or assumption approval by investors. Further, discussions centered around address changes. Extensive contact occurred from XX/XX/XXXX, focusing mainly on insurance matters, with the borrower's insurance policy being canceled due to inspection issues. Numerous follow-up contacts were made, including arranging new insurance and submitting necessary documents.

N/A

Throughout the period, taxes were dutifully paid from escrow to XX County, including payments for XXXX and XXXX county taxes. Each transaction ensured the alignment of the account with tax obligations.

N/A

717161

XXXX

On XX/XX/XXXX, borrower asked about billing statements' discrepancy, clarified by advising she is current. Follow-up calls including one on XX/XX/XXXX confirming payment setup. Last detailed contact on XX/XX/XXXX with set up of payment confirming borrower authorization and verification through personal details check.

N/A

Throughout the period, county taxes for both halves of XXXX and XXXX were paid using disbursed escrow funds wired to XXXX for processing. These payments were made to xx, ensuring no outstanding tax obligations.

N/A

849533

XXXX

On XX/XX/XXXX, there was an outbound call where the borrower inquired about an increase in escrow. It was clarified that an Annual Escrow Analysis had been sent in June, and the borrower chose to apply overpayments to future months.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX county taxes amounting to $XXXX.XX were paid to xx County, disbursed from escrow. On XX/XX/XXXX, XXXX county taxes of $XXXX.XX were paid to the same county.

N/A

751311

XXXX

Numerous interactions with the borrower occurred primarily through payment notifications and billing statements between February XXXX and February XXXX. The borrower maintained regular payments through their online account and received constant communication regarding billing and taxes. On XX/XX/XXXX, a request for year-end tax statements was noted, and on XX/XX/XXXX, the borrower was confirmed as current per county records. There are notifications of payments and adjustments to escrow indicating ongoing interactions.

N/A

Throughout the given period, taxes were paid on several occasions, such as on XX/XX/XXXX for the amount of $XXXX.XX for the first half of the county taxes. The second half was paid on XX/XX/XXXX for the same amount. Similarly, in XXXX, the first half of the county taxes amounting to $XXXX.XX was paid on XX/XX/XXXX, with the second half paid on XX/XX/XXXX. Payments were disbursed from escrow and wired to XXXX for processing. The borrower is noted to be current on payments as per the xx County website as of XX/XX/XXXX. Additionally, homeowner policy disbursements were made on multiple occasions.

N/A

942383

XXXX

Multiple contacts with borrower include emails discussing proof of insurance and escrow surplus usage. On XX/XX/XXXX, a call clarified the need for written authorization to use escrow surplus. On XX/XX/XXXX, XXXX responded via email with attachment concerns, resolving the signature issue by XX/XX/XXXX, allowing surplus funds to bring the account current.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes in the amount of $XXXX.XX were paid to XX county, disbursed from escrow, wired to the tax office. On XX/XX/XXXX, $XXXX.XX was similarly disbursed, indicating annual tax payments from escrow.

N/A

962949

XXXX

Throughout XXXX and into XXXX, there were multiple contacts between the borrower, XXXX, and the servicing company. Payments were consistently processed via check-by-phone at XXXX's request, with confirmations provided during each call. On XX/XX/XXXX, XXXX called asking if her $XX,XXX payment was received and advised to check back. On XX/XX/XXXX, XXXX contacted the servicer to confirm receipt of a $XX,XXX wire meant to apply to the principal, with confirmation and gratitude noted from the borrower.

N/A

Throughout XXXX and XXXX, county taxes were consistently paid from escrow. In April XXXX, xx called to ensure that a tax bill was only for record purposes, as taxes were seen to be paid. Tax payments were confirmed as disbursed to xx County.

N/A

452054

XXXX

On XX/XX/XXXX, the customer refused consent to share private and credit data with specific affiliates, acknowledged via web. Furthermore, on XX/XX/XXXX, the customer displayed similar actions by refusing to share private and credit data again on another web acknowledgment.

N/A

Throughout XXXX and XXXX, payments for county taxes were disbursed from escrow accounts to XX County. In May and August XXXX, and again in May and August XXXX, payments were made via wire transfers to settle these county taxes.

N/A

915508

XXXX

On XX/XX/XXXX, XXXX called regarding end-of-year taxes and was informed they were mailed out. On XX/XX/XXXX, XXXX discussed a change in her pay schedule and a late payment for November, confirming she would pay by XX/XX/XXXX. On XX/XX/XXXX, XXXX communicated via email about her job switch affecting her payment date. She also engaged in adjustments to her payment schedule on multiple occasions.

N/A

Multiple payments for town taxes were made from escrow: $XXXX.XX on X/XX/XXXX for XXXX XH taxes, $XXXX.XX on X/XX/XXXX for XXXX XH taxes, $XXXX.XX on X/X/XXXX for XXXX XH taxes, and $XXXX.XX on X/XX/XXXX for XXXX XH taxes.

N/A

917381

XXXX

Significant interactions occurred throughout XXXX and XXXX between XXXX and XXXX XXXX, often via email and phone, regarding insurance, repayment plans, and financial hardships. The borrower frequently confirmed contact details and discussed plans to address financial concerns. Notable exchanges took place on X/XX/XXXX, X/XX/XXXX, and throughout the latter months as XXXX sought assistance and clarifications on her obligations and financial adjustments.

The borrower mentioned losing income due to being hurt at work several months back, resulting in not receiving unemployment or disability benefits. They stated they are now returning to work and have faced financial challenges during this period.

N/A

Throughout XXXX and XXXX, the borrower acknowledged reading tips on reducing fraud via the Borrower Website.

N/A

Throughout XXXX and XXXX, the property taxes were regularly disbursed from escrow to pay township and village taxes. These were disbursed to respective treasuries, often through XXXX.

N/A

A payment plan deactivation was recorded on X/X/XXXX. This appears to be in response to financial adjustments made throughout XXXX and XXXX, as seen in the documented payments and changes to policies and plans.

N/A

As of November XX, XXXX, a X-month repayment plan was activated, starting with a payment on November XX. Payments continued under this plan, with a finalized amount due each month until May XXXX. Communication regarding payment adjustments and plans was frequent throughout late XXXX and early XXXX.

N/A

412393

XXXX

On XX/XX/XXXX, the borrower made a website payment. The borrower also acknowledged receiving a payment notification email multiple times between XX/XX/XXXX and XX/XX/XXXX.

N/A

The borrower acknowledged reading tips to reduce fraud on the website on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

XXXX county taxes were paid on XX/XX/XXXX in the amount of $XXXX.XX and XXXX county taxes were paid on XX/XX/XXXX in the amount of $XXXX.XX.

N/A

556270

XXXX

On XX/XX/XXXX, the borrower refused consent to share private data and updated billing preferences to paperless.

N/A

On XX/XX/XXXX, the customer acknowledged tips to reduce fraud on the Borrower Website.

N/A

The borrower consistently had town taxes paid from escrow to the xx town tax office at various points: XXXX XQ on XX/XX/XXXX, XXXX XQ on XX/XX/XXXX, XXXX XQ on XX/XX/XXXX, XXXX XQ on XX/XX/XXXX, XXXX XQ on XX/XX/XXXX, XXXX XQ on XX/XX/XXXX, XXXX XQ on XX/XX/XXXX, and XXXX XQ on XX/XX/XXXX.

N/A

339799

XXXX

Delinquent Taxes

The borrower has been in regular contact, making payments via the website. Notable interactions include a call on XX/XX/XXXX regarding escrow shortage payments, and inquiries on various dates about tax payments and account details. On XX/XX/XXXX, XXXX confirmed wanting to pay the escrow shortage. On XX/XX/XXXX, multiple contact instances with XXXX confirming account information and payment amounts were noted. The latest interaction recorded was on X/XX/XXXX, where the borrower refused consent to share private data.

N/A

Throughout mid-XXXX and mid-XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On various dates from May XXXX to October XXXX, payments for county and city taxes were disbursed from escrow for xx County and xx City. Year-end tax documents for XXXX were uploaded on January XX, XXXX.

N/A

On August XX, XXXX, an assessment confirmed there was no loan modification on file for the borrower.

N/A

802690

XXXX

On November X, XXXX, attempts were made to contact the borrower concerning the account balance, with subsequent payment adjustments ensuring the account was current. Previously, on August XX, XXXX, contact was made regarding an increase in escrow impacting payments, including an earlier automatic payment setup change.

N/A

In August XXXX, the borrower was involved in activities related to reducing fraud risks, such as acknowledging reading tips on the Borrower Website.

N/A

Payments for county taxes were managed multiple times: on April XX, XXXX, November X, XXXX, April XX, XXXX, and October XX, XXXX. These payments were made to XX County via wired funds through XXXX as part of tax management from escrow.

N/A

468245

XXXX

Deceased Borrower

On XX/XX/XXXX, the borrower contacted regarding receiving an unexpected check and clarified details about escrow changes. Several unsuccessful attempts to reach the borrower were made via outbound calls from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, conversation with co-borrower XXXX confirmed XXXX's passing.

N/A

On XX/XX/XXXX, the borrower mentioned performing repairs on the property and was advised on using a line of equity for funding these repairs.

N/A

On XX/XX/XXXX and again on XX/XX/XXXX, the borrower acknowledged receiving tips to prevent fraud on the website.

N/A

Several city tax payments were made: $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX.

N/A

On XX/XX/XXXX, co-borrower XXXX reported borrower XXXX passing. Subsequently, documents including a death certificate were gathered and updated.

N/A

777517

XXXX

On XX/XX/XXXX, the borrower refused consent to share credit and private data with XX and outside entities.

On XX/XX/XXXX, a record indicated that the loan was current without any signs of modification or bankruptcy. The maturity date is noted as XX/XX/XXXX with no indicated vested interest, and an interest method based on arrears.

N/A

On XX/XX/XXXX, the borrower acknowledged reading fraud prevention tips on the website.

N/A

Yearly town taxes were paid and processed through escrow. XXXX XH town taxes of $XXXX.XX were paid on XX/XX/XXXX, XXXX XH town taxes of $XXXX.XX on XX/XX/XXXX, XH taxes on XX/XX/XXXX, and XXXX XH town taxes of $XXXX.XX on XX/XX/XXXX.

N/A

873194

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX confirmed receipt of a letter about the traXXer of ownership and was glad to hear his lender remains unchanged. On XX/XX/XXXX, both XXXX XX. and co-borrower inquired why their payments were going up. An explanation of escrow analysis revealed an increase due to taxes and insurance. Borrowers understood the explanation. The last contact was on XX/XX/XXXX, where XXXX inquired about his account's status and was informed that his payments were current through May.

N/A

On XX/XX/XXXX, county taxes amounting to $X,XXX.XX were paid to XX County. On XX/XX/XXXX, another payment of $X,XXX.XX was disbursed for county taxes. These payments were processed from escrow and funds were wired to XXXX for payment.

N/A

910511

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower sent payment to a prior servicer that was never forwarded, necessitating an advance from PRP and reversal of late charges. On XX/XX/XXXX, after speaking with the co-borrower, they agreed to provide full documentation regarding a claimed payment, with assurance to cooperate with information submission.

On XX/XX/XXXX, disbursing a rental policy was noted, which indicates potential income issues related to rental properties. Additionally, on XX/XX/XXXX, email communication referenced the borrower's missing payment, which could imply financial trouble.

N/A

On XX/XX/XXXX, an email referenced dismissing a prior foreclosure action and restarting the process, indicating ongoing foreclosure proceedings involving legal consultations and clarifications on the litigation status.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud, which may suggest an awareness or caution regarding potential fraudulent activities.

N/A

Several entries indicate payment of county taxes with disbursement from escrow on XX/XX/XXXX and XX/XX/XXXX, which may relate to tax management issues or delinquency concerns.

N/A

460846

XXXX

Several contacts were made with the borrower. On XX/XX/XXXX, a call was made regarding new escrow payment figures. On XX/XX/XXXX, the borrower received assistance in understanding payment increases due to HOI premium changes. On XX/XX/XXXX, the borrower called to report receiving an updated insurance declaration. From XX/XX/XXXX to XX/XX/XXXX, multiple calls were made regarding escrow account queries and updates, including queries about insurance refunds and escrow shortages.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on their website. This indicates the borrower's awareness and proactive measures in fraud prevention.

N/A

Several tax payments were made from the escrow account to xx County Sheriff's office: $XXX.XX on XX/XX/XXXX, $XXX.XX on XX/XX/XXXX, $XXX.XX on XX/XX/XXXX, and $XXX.XX on XX/XX/XXXX.

N/A

402804

XXXX

Throughout the period, consistent payment activities were recorded with confirmation emails sent on dates aligned with created payments. The last borrower activity recorded was on XX/XX/XXXX with a payment of $X,XXX.XX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Payments for county taxes were made regularly through escrow. On XX/XX/XXXX, XXXX second half taxes of $XXXX.XX paid. On XX/XX/XXXX, XXXX first half taxes of $XXXX.XX paid. On XX/XX/XXXX, XXXX second half taxes of $XXXX.XX paid. On XX/XX/XXXX, XXXX first half taxes of $XXXX.XX paid.

N/A

430381

XXXX

On XX/XX/XXXX, spoke with XXXX regarding a late charge assessed due to an August payment received late. On XX/XX/XXXX, XXXX inquired about Forced Placed Insurance and attempted to change or update flood insurance policy information. Communication continued into January XXXX, with several calls and emails related to insurance updates and inquiries. On XX/XX/XXXX, XXXX emailed proof of his private flood insurance policy.

N/A

Routine tax payments were made from the escrow account, including payments to xx County for XXXX XH on XX/XX/XXXX, XXXX XH on XX/XX/XXXX, and again on XX/XX/XXXX, as well as XXXX XH on XX/XX/XXXX.

N/A

864602

XXXX

On XX/XX/XXXX, a conversation took place to clarify account history and increase in payments. On XX/XX/XXXX, borrower received guidance to update automatic payments and send new insurance information. Last contact was on XX/XX/XXXX where borrower updated payment details and made a call verifying their identity.

There are several interactions between the asset manager and borrower highlighting payment discrepancies due to change of escrow amounts, indicating a financial strain but no specific reason for default is clearly mentioned. Discussions revolve around updating payment schedules and communicating the escrow shortages.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX and XX/XX/XXXX by the user XXXX. There is no active fraud or allegations mentioned.

N/A

There are multiple mentions of taxes being paid from escrow for town and school, summarizing payments made. On XX/XX/XXXX and XX/XX/XXXX, school taxes were paid from escrow.

N/A

A significant payment change occurred due to escalated escrow amounts. There are no specific modification efforts detailed.

N/A

There is no explicit mention of servicer traXXer errors but comments about change in payment schedules and reminders to update automatic payments hint at operational challenges.

902775

XXXX

Title Issues - Pending

Delinquent Taxes

On XX/XX/XXXX, borrower contacted to discuss adding a second home to the property and confirmed the intention to make payments via XXXX. On XX/XX/XXXX, a payment was sent back due to XX during a period of emergency medical surgery and associated financial strain, with plans discussed to cover overdue amounts.

The borrower faced illness and spinal surgery challenges, resulting in financial difficulties. Delinquency attributed to excessive obligations due to unforeseen medical emergencies and income shortages related to disability and wage levy, affecting payment plans.

N/A

An attorney demand letter was requested on multiple occasions due to payment default. Attempts were made to resolve issues with payment plans, but funds often fell short of the required amounts, leading to ongoing foreclosure risk and manual reviews as per investor guidelines. The cure amount required for foreclosure reinstatement varied, indicating complex interactions to address foreclosure concerns.

N/A

Multiple acknowledgements on the borrower website focused on reducing fraud risks; however, no specific fraud incidents are detailed in the comments.

Issues arose concerning property line disputes with a neighbor. The borrower contacted the county for verification, where discrepancies in parcel numbers and locations were investigated, but no title defects were officially confirmed.

Disbursements to xx County for delinquent taxes were noted and handled through escrow accounts for several parcels, ensuring tax obligations were settled to avoid further complications.

N/A

Various repayment plans were attempted to bring the account current, with amounts adjusted based on excessive obligations. Payment plans were frequently modified due to XX issues, borrower requests, and investor requirements to ensure full reinstatement.

N/A

961216

XXXX

On XX/XX/XXXX, right party contact was made to discuss payment instructions for HAF funds. On XX/XX/XXXX, borrower verification was completed, and the borrower was informed about receipt of funds. Frequent contact continued to address payment changes due to escrow shortages, with details communicated via call and email on XX/XX/XXXX.

Multiple interactions regarding Homeowner Assistance Funds (HAF) due to financial difficulties were noted. The borrower needed to pay a portion in full to avoid default, with approvals requested for financial assistance.

Property inspections were conducted as per investor guidelines to verify occupancy status, and invoices for inspection tasks were processed.

The foreclosure process was addressed multiple times. Demand letters were canceled due to reinstatement, funds were received to prevent foreclosure, and workflows were updated accordingly.

N/A

Tax payments included village, school, and town taxes, which were disbursed from escrow and processed through XXXX.

N/A

Requests for loan modification were frequently discussed, particularly relating to HAF contributions and repayment terms.

N/A

Payment plans were addressed, requiring borrower attention to updated amounts reflecting escrow shortages, with necessary documentation emailed for compliance.

N/A

771320

XXXX

The borrower was actively engaged, with the last significant contact recorded on XX/XX/XXXX when the borrower refused consent to share private data with XX via web acknowledgment and acknowledged reading fraud reduction tips.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

During the year XXXX, county taxes were paid in two installments for xx County: $X,XXX.XX on XX/XX/XXXX, and $XXX.XX on XX/XX/XXXX. In XXXX, $X,XXX.XX was paid on XX/XX/XXXX, and $X,XXX.XX on XX/XX/XXXX.

N/A

905520

XXXX

On XX/XX/XXXX, correspondence occurred between XXXX and XXXX, discussing billing statements and payment due dates. On XX/XX/XXXX, XXXX expressed concern about property tax payments during a call.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $X,XXX.XX to xx County, with funds disbursed from escrow. On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $X,XXX.XX.

N/A

412541

XXXX

On XX/XX/XXXX, a voicemail was received regarding tax info, followed by an email to XXXX XXXX. On XX/XX/XXXX, XXXX confirmed tax payments. On XX/XX/XXXX, XXXX confirmed her property address and SSN details with a representative over the phone and expressed the intent to make an online payment. On XX/XX/XXXX, XXXX confirmed details about a payment and authorized the service to process funds for an escrow shortage payment.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. On XX/XX/XXXX, they once again acknowledged fraud risk tips on the website.

N/A

On XX/XX/XXXX, the borough taxes for xx were paid in the amount of $XXX.XX, and similar payments were made on XX/XX/XXXX for school taxes of $XXX.XX, on XX/XX/XXXX for borough taxes of $XXX.XX, and on XX/XX/XXXX for school taxes again in the amount of $XXX.XX. On XX/XX/XXXX, year-end tax documents for XXXX were uploaded to a print vendor.

N/A

631959

XXXX

On XX/XX/XXXX, borrower XXXX XXXX contacted customer service regarding delinquency notices due to incorrect payment application. The issue related to escrow shortages and payment miscommunication. Multiple email exchanges occurred from May XX, XXXX, through June XX, XXXX, primarily regarding payment corrections, escrow analysis, and future payments strategy. After resolving with xx from xx, payments were adjusted for July and August. The late fees were waived as of July XX, XXXX. By February XX, XXXX, borrower emailed to request insurance policy changes.

N/A

829168

XXXX

On XX/XX/XXXX, a discussion took place with XXXX from XXXX regarding policy updates. On XX/XX/XXXX, the borrower XXXX discussed issues with insurance policy cancellations and updates. On XX/XX/XXXX, there was another conversation with the borrower XXXX about receiving a refund from xx and handling it with XXXX. The last recorded contact was on XX/XX/XXXX when XXXX confirmed receiving a refund check from XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid to xx County, disbursed from escrow. These payments were processed via XXXX for tax offices.

N/A

588549

XXXX

Interactions primarily focused on payment verification and late fee issues. On XX/XX/XXXX, the borrower inquired about an increase in payments due to escrow shortages. Calls mainly involved double-checking payment setups and verification of personal information, with the latest contact on XX/XX/XXXX, focusing on payment processing.

N/A

491843

XXXX

On XX/XX/XXXX, borrower was informed of a change in their monthly payment due to an increase in home insurance, with a follow-up email sent on XX/XX/XXXX to ensure awareness of new payment amount.

N/A

Customer acknowledged reading tips to help reduce fraud on the Borrower Website on XX/XX/XXXX.

N/A

County taxes for XXXX were paid in the amount of $XXXX.XX on XX/XX/XXXX, and for XXXX in the amount of $XXXX.XX on XX/X/XXXX.

N/A

372188

XXXX

On XX/XX/XXXX, the borrower called regarding an XX letter and a request to waive a late fee, which was sent for supervisor's approval. Email was sent confirming the late fee would be waived. On XX/XX/XXXX, the borrower inquired about the XX fee and its cause, acknowledged the reason, and planned to pay it. On XX/XX/XXXX, the borrower requested to pay personal taxes and insurance, which was processed and confirmed subsequently.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

On XX/XX/XXXX, paid XXXX first half town taxes of $X,XXX.XX to xx from escrow through XXXX. On XX/XX/XXXX, paid XXXX second half town taxes of $X,XXX.XX to xx from escrow wired to XXXX. On XX/XX/XXXX, it was noted that taxes are paid through the XXXX tax year, with the XXXX first half due on XX/XX/XXXX and the second half on XX/XX/XXXX.

N/A

698227

XXXX

Active Bankruptcy

On XX/XX/XXXX, contact was made with XXXX XXXX, indicating a need to address payment terms due to familial changes. XXXX mentioned her plan for refinancing following her husband's move to a nursing home, demonstrating ongoing communication with xx about current financial transactions.

There were mentions of income changes due to increased payment amounts, resulting from an escrow shortage. The borrower inquired about refinance options as her husband was put into a nursing home, expressing a desire to lower payments. This situation suggests possible financial difficulties due to increased obligations.

N/A

On XX/XX/XXXX, it was noted that the co-borrower filed for Chapter X bankruptcy, marked as a no-asset case without a reaffirmation agreement. Discharge followed on XX/XX/XXXX, with final closure on XX/XX/XXXX. Monitoring for payments and late charges was adjusted accordingly.

Acknowledgment of reading fraud reduction tips occurred on XX/XX/XXXX and again on XX/XX/XXXX. This alerts to borrower’s proactive measures against fraud.

N/A

Tax payments were managed with periodic disbursements from escrow to cover county taxes in xx County, with records indicating payment on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

Inactive Monthly payments initiated on XX/XX/XXXX continued to be processed each month, often set to paperless communication preferences.

N/A

946176

XXXX

On XX/XX/XXXX, XXXX XXXX communicated with asset manager XXXX via email regarding a new homeowners insurance policy. On XX/XX/XXXX, she confirmed details related to her canceled homeowners insurance and discussed future insurance options via inbound call.

N/A

On XX/XX/XXXX, XXXX acknowledged reading tips to help reduce fraud on the borrower website.

N/A

The XXXX and XXXX county taxes were paid to xx County on XX/XX/XXXX and XX/XX/XXXX respectively. The county taxes for the first half of XXXX were paid on XX/XX/XXXX.

N/A

902872

XXXX

Multiple payments were created by the borrower on the website throughout the years on various dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so on until XX/XX/XXXX, indicating regular engagement with payment notifications sent after each activity.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the Borrower Website.

N/A

In XXXX and XXXX, multiple payments were made for county taxes amounting to $XXX.XX and $XXX.XX, respectively, to xx County, disbursed from escrow.

N/A

381163

XXXX

On XX/XX/XXXX, borrower XXXX called and discussed updating payment amounts and was directed to adjust via the website. On XX/XX/XXXX, various contacts were made regarding a homestead exemption letter.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the website.

N/A

On XX/XX/XXXX, a refund for exemption for the XXXX parish tax year was received, amounting to $XXXX.XX. Additionally, on XX/XX/XXXX and XX/XX/XXXX, parish taxes were marked as exempt, with changes reflected in tracking.

N/A

592130

XXXX

On XX/XX/XXXX, contact was initiated regarding modification terms. Regular updates on trial payments were exchanged between May and July XXXX, with Ms. XXXX actively communicating about notarizing and returning mailed documents for modification in July XXXX.

The comments related to the reason for default revolve mainly around XXXX experiencing income curtailment due to health issues causing her absence from work in XXXX and XXXX. Her hardship was compounded by relying on her ex-husband's assurance that payments were being made, only discovering in December XXXX that they were not.

The property was inspected multiple times, confirming occupancy status without any noted damages requiring repair.

Initially, foreclosure proceedings were advanced with preparation of the affidavit of default in March XXXX. Legal actions were placed on hold starting April XXXX due to loss mitigation efforts, and eventually withdrawal of foreclosure proceedings was agreed upon in June XXXX.

N/A

Property taxes were timely disbursed from escrow for both XXXX and XXXX to xx County.

The court granted XXXX a continuance during her foreclosure hearings due to ongoing loss mitigation evaluations in March XXXX.

N/A

The modification process for XXXX was complex due to missing documentation initially. An incomplete package led to initial denial, but after further review and provision of pay stubs and notarized documents, the modification was approved with a trial payment plan starting in July XXXX and finalized by July XXXX.

N/A

Payment arrangements commenced on X/X/XXXX with initial good faith payments due in May and June XXXX, followed by a XX-month trial period starting in July XXXX. The repayment plan objective was based on curtailment of income.

N/A

940318

XXXX

On multiple occasions, the borrower, specifically XXXX, contacted via phone to verify details and authorize payments. These interactions occurred on various dates, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, among others. During these calls, XXXX verified social security numbers and addresses, and set up check payments. Last noted contact was on XX/XX/XXXX.

N/A

Throughout the comments, it was noted that the property's taxes are current. On XX/XX/XXXX, it was confirmed that taxes were paid and current with the next due date on XX/XX/XXXX. On XX/XX/XXXX, taxes were again confirmed as paid through the XXXX tax year, with the next due date being XX/XX/XXXX. On XX/XX/XXXX, it was mentioned that taxes were paid current, and the XXXX county taxes are expected to be released in early November, with a due date of XX/XX/XXXX.

N/A

580136

XXXX

Delinquent Taxes

Several contacts were made regarding payment adjustments for escrow and insurance issues. On XX/XX/XXXX, the borrower expressed concerns about increasing escrow due to unexpected tax increments. The borrower recently refused to consent to share private and credit data on XX/XX/XXXX.

In June XXXX, comments note a recurring discrepancy with payments and insurance added to the account without necessity, leading to overcharging and late fees.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

A delinquent sewer bill increased the first installment of XXXX taxes by $X,XXX.XX, negatively impacting the borrower's escrow. The issue was discovered during the October XXXX escrow analysis, resulting in increased escrow payments and efforts to adjust the shortage over XX months.

N/A

In June XXXX, the borrower and asset manager discussed options to repay outstanding amounts due to overcharges from unnecessary insurance, proposing extra payments to bring the account current.

N/A

493322

XXXX

Customer refused consent to share data with XX and outside entities on XX/XX/XXXX and XX/XX/XXXX. No direct borrower contact about other matters.

N/A

Fraud prevention tips acknowledged on borrower website on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

Year-end tax documents for XXXX were uploaded to the print vendor on XX/XX/XXXX.

N/A

379117

XXXX

On XX/XX/XXXX, the borrower contacted customer service to request a Verification of Mortgage (VOM) and asked about credit reporting. A follow-up call occurred on XX/XX/XXXX, requesting loan history information. The VOM request was processed on XX/XX/XXXX and was successfully sent via fax.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud. On XX/XX/XXXX, the borrower again acknowledged reading fraud reduction tips on the website.

N/A

Throughout XXXX and XXXX, property taxes were paid semiannually to Baltimore County. Payments from escrow were made for XH and XH of XXXX and XXXX, with the funds wired to XXXX for tax office payment.

N/A

854115

XXXX

On XX/XX/XXXX, the borrower refused consent to share credit data with XX and private data with outside entities. On XX/XX/XXXX, they again refused consent for sharing private data and credit data.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $XX,XXX.XX, disbursed from escrow. On XX/XX/XXXX, county taxes for XXXX paid in the amount of $X,XXX.XX, disbursed from escrow. Year-end tax documents for XXXX were uploaded to print vendor on XX/XX/XXXX.

N/A

629064

XXXX

On XX/XX/XXXX, an email was sent regarding past due payments. The borrower sought to address their account status multiple times, notably through conversations on XX/XX/XXXX and XX/XX/XXXX, using phone calls and email. Borrower maintained updates about payment changes and escrow shortfalls.

N/A

Throughout XXXX and into XXXX, multiple property inspections were conducted by XXXX, confirming property occupancy on several occasions. An escalation in XXXX Wind policy and Flood reinstatements was noted, effective dates set for XX/XX/XXXX and XX/XX/XXXX respectively, with related invoices paid. Renovations or repair comments were absent, suggesting property standard maintenance.

Amid borrower difficulties in loan payments, several demands and potential foreclosure steps occurred. Notably, on XX/XX/XXXX, an Attorney Demand Letter was issued, later leading to a foreclosure demand letter that was canceled on XX/XX/XXXX due to reinstatement by the borrower. The account was later noted to be current.

N/A

Taxes were paid to xx County with amounts outlined for XXXX and XXXX; $XXX.XX and $XXX.XX respectively were processed from escrow and transactions completed on XX/XX/XXXX and XX/XX/XXXX.

N/A

Throughout XXXX, payment plans were utilized to manage missed payments, outlined with objectives to bring accounts current. Calls and email communications notified borrowers of outstanding amounts and expectations.

N/A

800650

XXXX

On XX/XX/XXXX, XXXX attempted to make a mortgage payment using a credit card but ended the call when it was not possible. On XX/XX/XXXX, XXXX discussed applying extra funds to the principal and indicated he would start paying larger amounts. On XX/XX/XXXX, another discussion took place regarding insurance details. On XX/XX/XXXX, XXXX requested year-end tax information.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the Borrower Website.

N/A

County taxes for XXXX and XXXX were noted to be exempt, with updates on XX/XX/XXXX and XX/XX/XXXX.

N/A

683023

XXXX

On XX/XX/XXXX, detailed discussions occurred regarding escrow analysis, insurance policy, and payment options. The borrower inquired about managing escrow and requested updates. On XX/XX/XXXX, discussed setting up bi-weekly auto payments and USDA insurance. On XX/XX/XXXX, significant contact with issues surrounding late payment fees and adjustments. The borrower was advised on payment setups and adjustments.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, paid $XXX.XX for county taxes to xx county, and on XX/XX/XXXX, paid $XXX.XX, disbursed from escrow.

N/A

763340

XXXX

On X/X/XXXX, the borrower created a website payment. Around X/XXXX, there was a correspondence regarding an SSN issue. On X/XX/XXXX, an outbound call with XXXX discussed an increase in the homeowner's insurance premium. Further communication regarding the insurance policy and changes took place in October XXXX. Additionally, emails were exchanged throughout XXXX concerning payment discrepancies and policy changes.

N/A

In December XXXX, the co-borrower acknowledged reading tips to help reduce fraud on the Borrower Website. Additionally, the customer refused consent to share private data and credit data with XX and outside entities on April XX, XXXX.

N/A

In October XXXX, county taxes amounting to $X,XXX.XX were paid to XX County. In October XXXX, county taxes amounting to $X,XXX.XX were paid to XX County Tax Collector, disbursed from escrow.

N/A

470029

XXXX

There were several contacts with borrower XXXX. On XX/XX/XXXX, the borrower called to pay escrow shortage and inquire about the increased payment. On XX/XX/XXXX, XXXX called regarding her payment amount after receiving a statement. Subsequent updates about insurance payment were discussed in calls on XX/XX/XXXX and XX/XX/XXXX, leading to escrow adjustments.

N/A

On XX/XX/XXXX, there was documentation recording for Assignment of Mortgage indicating updates in title documentation.

Payment of county taxes consistently noted in records, including payments on XX/XX/XXXX and XX/XX/XXXX indicating timely disburseauigementts from escrow.

N/A

863014

XXXX

On XX/XX/XXXX, an outbound email was sent to the borrower inquiring about missed payments for June and July. The borrower was asked about plans to make these payments. On XX/XX/XXXX, the borrower made a one-time payment of $X,XXX.XX, acknowledging receipt and reading fraud prevention tips.

N/A

GAP AOMs were scanned and sent to XXXX on XX/XX/XXXX.

On XX/XX/XXXX, it was noted that taxes are paid current through the XXXX tax year, with the next due date on XX/XX/XXXX. On XX/XX/XXXX, taxes were paid through the XXXX/XXXX tax year with upcoming dues on XX/XX/XXXX and XX/XX/XXXX.

N/A

615698

XXXX

Several contacts were made with the borrower, XXXX XXXX, throughout the year. Initial contacts after February XXXX were sporadic, with no response from January XX, XXXX, until March when the foreclosure process was suggested. Continuous communication was maintained, discussing foreclosure status, loan modification opportunities, and necessary documentation for income proof like social security and pension. By December XXXX, regular payments were being made, indicating consistent borrower engagement with servicing.

The delinquency was confirmed to be caused by a curtailment of income. XXXX noted his wife was out of work for two months due to COVID-XX, and he was hospitalized numerous times over the past five years.

N/A

The foreclosure process was initiated due to default in payments. A complaint was filed on XX/XX/XXXX, and the foreclosure process was placed on hold on XX/XX/XXXX due to an ongoing loan modification review. The foreclosure was officially canceled on XX/XX/XXXX after the loan became current.

N/A

There was a fee approval for a legal description, and an assignment from XXXX., was recorded on XX/XX/XXXX. Documentation discrepancies were noted and clarified with the title company.

xx County taxes for XXXX and XXXX were paid from the borrower's escrow. Annual taxes disbursed included $XXX.XX for the second half of XXXX, $XXX.XX for the first half of XXXX, and $XXX.XX for the first half of XXXX.

There were exchanges about foreclosure complaints and processes, but no specific litigation events noted beyond foreclosure processes.

N/A

A loan modification was discussed for improved terms, starting a nine-month trial period with a reduced rate of X% and a revised payment plan. The modification was effective on XX/XX/XXXX. Payments were initially set with a good faith deposit followed by trial payments. The borrower fulfilled trial payments and the loan was updated on XX/XX/XXXX.

N/A

Initial discussions about forbearance led to the decision to waive the amount due to lack of documentation, and a repayment elimination was processed.

N/A

646749

XXXX

On XX/XX/XXXX, XXXX called to confirm a payment setup for the day and was advised to check back for confirmation. Another contact on the same day questioned a missing payment; XXXX was advised to set up a new payment for July. The next contact occurred on XX/XX/XXXX involving acknowledgment of personal information. Another call on XX/XX/XXXX involved asking for EOY interest. The most recent call was on XX/XX/XXXX where XXXX confirmed personal details and inquired about insurance policy procedure.

N/A

On XX/XX/XXXX, XXXX acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for XXXX amounting to $XXXX.XX were paid to xx County, disbursed from escrow. On XX/XX/XXXX, county taxes for XXXX amounting to $XXXX.XX were similarly paid.

N/A

984681

XXXX

On XX/XX/XXXX, the borrower called about the lost check for the payment due on XX/XX and made a new payment after discussing the grace period and late charge situation. Later, the borrower requested information on auto payments, which was shared via email by XXXX. He was advised on several payment options. On XX/XX/XXXX, the borrower requested confirmation of payment and information about online payment options, which were also sent via email. On XX/XX/XXXX, XXXX emailed the borrower a detailed escrow analysis and suggested possible county tax exemptions to lower the increased payment due to a rise in taxes and insurance costs.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website account.

N/A

Payments were made for county taxes on various dates: on XX/XX/XXXX, $XXXX.XX for XXXX, XH; on XX/XX/XXXX, $XXXX.XX for XXXX, XH; on XX/XX/XXXX, $XXXX.XX for XXXX, XH; on XX/XX/XXXX, $XXXX.XX for XXXX, XH; and on XX/XX/XXXX, $XXXX.XX for XXXX, XH. These payments were disbursed from escrow and wired to XXXX.

N/A

355682

XXXX

On XX/XX/XXXX, there was a discussion with the borrower, XXXX, regarding escrow shortages and payment adjustments. The borrower was informed about the adjustments made to correct payments.

N/A

On XX/XX/XXXX, the customer acknowledged reading tips to reduce fraud on the Borrower Website. This indicates an awareness and preventive effort against fraudulent activities.

N/A

Throughout the period, regular county tax payments were made. On X/X/XXXX, a payment of $X,XXX.XX was disbursed for county taxes. Subsequent payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, indicating consistent attention to property tax obligations.

N/A

620652

XXXX

On XX/XX/XXXX, XXXX inquired about changes to her payment and escrow shortage spread over XX months. She appreciated the adjustments and requested an email with her updated monthly payment. On XX/XX/XXXX, XXXX spoke regarding tax bill issues. On XX/XX/XXXX, XXXX discussed her property tax bill verified with HUD details. Continuous communication in XXXX reflected an ongoing engagement regarding changes in insurance policies, escrow payments, and account details.

N/A

In May XXXX, the borrower acknowledged reading tips to help reduce fraud on the website, indicating awareness and steps taken towards preventing fraudulent activities.

N/A

Throughout the records, tax issues were managed efficiently. Property tax bills were handled on time, with payments made through escrow. The borrower communicated in December XXXX regarding her property tax due and was ensured payment disbursement for XXXX and XXXX county taxes.

N/A

553016

XXXX

On XX/XX/XXXX, XXXX called back after missing the previous call. On XX/XX/XXXX, XXXX called to set up payments. On XX/XX/XXXX, XXXX contacted about an online payment issue. On XX/XX/XXXX, the borrower was contacted about payments, mentioning a recent leg injury. Most recently, on XX/XX/XXXX, the borrower returned a call to discuss their account being behind and potential payment plans.

On XX/XX/XXXX, the borrower mentioned their hours were short, indicating possible income issues. On XX/XX/XXXX, XXXX reported being unable to work due to a leg injury, receiving clearance to return to work on XX/XX/XXXX.

N/A

On XX/XX/XXXX, county taxes for XXXX amounting to $XXXX.XX were paid to XX county and funds traXXerred to XXXX. Similarly, county taxes for XXXX of $XXXX.XX were paid on XX/XX/XXXX.

N/A

On XX/XX/XXXX, a loan modification from XX/XX/XXXX was audited, adjusting the maturity type from balloon to fully amortizing as per the loan mod and amortization calculation.

N/A

On XX/XX/XXXX, the borrower was offered the option to pay one and a half of the monthly payment amounting to $X,XXX.XX for March and April to bring the account current.

N/A

On XX/XX/XXXX, there was a transaction reversal due to 'Unable to Locate Acct', and on XX/XX/XXXX, it was identified that banking information was incorrectly entered, leading to a waived XX fee.

883766

XXXX

Frequent contact was maintained with the borrower, XXXX, through various phone calls and emails to discuss the status of his account. The last documented contact was on XX/XX/XXXX, when the trial plan payment for March was confirmed.

The borrower, XXXX, fell behind on payments due to his restaurant closing because of COVID and his wife's job loss to care for an ill family member. Additionally, his income is garnished bi-weekly by the State of WA.

N/A

Foreclosure proceedings were initiated with a Notice of Default in XXXX. There were several updates regarding the sale date, which was postponed multiple times due to ongoing mediation and the possibility of receiving funds from the Homeowner Assistance Fund (HAF). Ultimately, mediation was scheduled, and necessary documents were supposed to be submitted before the next session.

N/A

Property taxes for XXXX and XXXX have been paid through escrow as recorded in various communications.

N/A

The borrower's loan modification process began after receiving HAF funds. Despite initial denial, a modification was eventually approved with adjusted terms including a lower interest rate and a capped unpaid principal balance. Trial payments started in November XXXX, and the modification was finalized by August XXXX.

N/A

907242

XXXX

The borrower was regularly making payments and receiving billing statements between March XXXX and February XXXX. On XX/XX/XXXX, the borrower refused consent to share private data. On XX/XX/XXXX, an escrow analysis revealed an increase in escrow, and on XX/XX/XXXX, the borrower was informed about a payment change.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes were paid to xx county for $XXXX.XX, disbursed from escrow. On XX/XX/XXXX, county taxes were paid to xx County for $XXXX.XX, also disbursed from escrow.

N/A

913319

XXXX

On XX/XX/XXXX, the borrower inquired about credit reporting, which was enabled in November. It was confirmed that payments might take additional time to reflect in credit reports. On XX/XX/XXXX, the borrower sent a corrected tax bill due by April, acknowledging assistance from xx.

N/A

Throughout the documented period, taxes were continually managed from escrow. Notably, payments to xx County were made for XXXX and XXXX county taxes, specifically on XX/XX/XXXX and XX/XX/XXXX.

N/A

959782

XXXX

On X/X/XXXX, multiple contact attempts were made with the borrower regarding homeowners insurance issues, and several outbound calls were left without a response. The borrower was requested to provide insurance documentation due to a cancellation notice from xx, leading to a forced-placed insurance plan.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, the borrower paid XXXX county taxes amounting to $XX,XXX.XX to xx County, disbursed from escrow and wired to XXXX for payment. On XX/XX/XXXX, XXXX county taxes were paid in the amount of $XX,XXX.XX to the xx County tax collector, again disbursed from escrow.

N/A

970170

XXXX

Title Issues - Pending

On XX/XX/XXXX, XXXX called and spoke with asset management regarding foreclosure status and repayment options, including discussion about $X,XXX payment towards reinstatement. Subsequent calls confirmed wire transactions and arrangements were made, leading to reinstatement and foreclosure cancellation on XX/XX/XXXX.

N/A

Periodic property inspections were conducted by XXXX, ensuring the premises were occupied as required by the investor guidelines.

The account was due since December XXXX, prompting multiple outreach attempts to the borrower for payment arrangements. An attorney demand letter was issued on XX/XX/XXXX for a cure amount. Throughout the year, numerous property inspections were ordered to verify occupancy. On XX/XX/XXXX, the foreclosure process was cancelled after receiving full reinstatement of $XX,XXX.XX.

N/A

The borrower acknowledged reading tips to help reduce fraud on their website on XX/XX/XXXX. They refused consent to share private, credit, and data with XX on multiple occasions.

Several requests and follow-ups were conducted regarding Assignments of Mortgage (AOM) missing from the title report, including a first legal delay pending AOM receipt.

Property-related taxes for the town and school were regularly paid from escrow. This includes payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Frequent invoicing between xx and XXXX was noted regarding legal costs and fees associated with foreclosure and property management tasks.

N/A

Modification trailers were built on XX/XX/XXXX, with adjustments to implement new interest rates effective XXXX payment. Future step rates were structured as a part of asset attributes modification.

N/A

On XX/XX/XXXX, the co-borrower called to discuss a repayment plan with a proposed $X,XXX down payment, yet awaited official reinstatement figures.

N/A

921108

XXXX

On XX/XX/XXXX, borrower confirmed her monthly payments are reduced to $X,XXX.XX after completing the X-month repayment plan. Frequent communication occurred mainly via email with confirmation of payments and inquiries about loan status.

On XX/XX/XXXX, borrower defaulted due to the death of her sister and taking care of her elderly mother. She offered to pay $X,XXX by the end of the month and then follow a X-month repayment plan.

Various property inspections were completed between March and August XXXX as per investor guidelines from XXXX, indicating the property was occupied.

On XX/XX/XXXX, a demand letter was issued stating a payment of $XX,XXX.XX was required to prevent foreclosure proceedings.

N/A

School taxes for XXXX and town taxes for XXXX and XXXX were paid using funds disbursed from escrow to xx school and xx town tax collector respectively.

N/A

Borrower was offered a loan modification packet on XX/XX/XXXX to prevent foreclosure, requiring proof of income.

N/A

A repayment plan was approved on XX/XX/XXXX, starting in May, requiring $X,XXX.XX upfront and $X,XXX monthly payments for four months.

N/A

964626

XXXX

N/A

On XX/XX/XXXX, it was noted taxes are current with the next payment due by XX/XX/XXXX. On XX/XX/XXXX, taxes were confirmed paid through the XXXX/XXXX tax year. The first half of XXXX/XXXX taxes are due by XX/XX/XXXX and the second half by XX/XX/XXXX.

N/A

978010

XXXX

On XX/XX/XXXX, XXXX contacted regarding escrow and set up an escrow payment of $X,XXX. On XX/XX/XXXX, XXXX inquired about an XX issue and payment updates. Communications continued into XXXX, discussing insurance claims and loss draft disbursements, with ongoing email exchanges till February XXXX about account status and tax payments.

N/A

In April XXXX, the borrower XXXX replaced the roof and completed repairs, waiting for a payment with a final invoice amount of $X,XXX.XX, but only $X,XXX.XX was available in the loss draft account. The borrower provided the final invoice and pictures of the completed work, leading to a disbursement check of $X,XXX.XX to be issued at the end of April. Multiple communications followed to confirm receipt and process final inspections.

N/A

Annual tax payments were made for xx County in November of both XXXX and XXXX, with amounts of $X,XXX.XX and $X,XXX.XX respectively, paid from escrow using XXXX services.

N/A

593530

XXXX

Last contact update was on XX/XX/XXXX, indicating the receipt of the last payment on this date.

N/A

Throughout XXXX and XXXX, borough taxes were consistently paid, with funds disbursed from escrow and wired to XXXX for payment to the Brooklyn Boro, reflecting regular tax management.

N/A

727490

XXXX

On XX/XX/XXXX, an outbound call was made to XXXX, who verified her identity. She was notified about insurance issues due to the lack of proof of her own policy and advised to contact her insurance agent to provide the necessary documents. She agreed to send the updated policy via email for review by the insurance department.

N/A

Paid xx County taxes from escrow on XX/XX/XXXX for $X,XXX.XX and on XX/XX/XXXX for $X,XXX.XX to the tax collector, wired via XXXX.

N/A

584001

XXXX

N/A

Throughout XXXX and XXXX, county taxes were paid in multiple installments. On April XX, XXXX, and September XX, XXXX, XH and XH XXXX county taxes of $XXXX.XX were paid to xx County. Payments for XXXX were made on April XX and September XX, XXXX, each amounting to $XXXX.XX.

N/A

837738

XXXX

On XX/XX/XXXX, the borrower expressed interest in a payment plan to manage the loan's status. Further email discussions took place on XX/XX/XXXX, regarding setting up an automatic withdrawal, showing active engagement with the borrower.

In a call on XX/XX/XXXX, the borrower mentioned that the reason for being behind on payments was due to a divorce two years ago.

N/A

The account underwent a Chapter X bankruptcy, with no reaffirmation, and has been contractually current as of the latest updates in the comments.

The borrower acknowledged reading tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX.

N/A

Taxes for the year were paid in two installments, with payments processed on XX/XX/XXXX and XX/XX/XXXX for XXXX, and on XX/XX/XXXX and XX/XX/XXXX for XXXX.

N/A

A four-month repayment plan was initiated in October XXXX after being approved by the investor. Payments of $X,XXX.XX started in October XXXX and continued monthly, with full payments for October, November, December XXXX, and January XXXX made on time.

N/A

496203

XXXX

On XX/XX/XXXX, XXXX requested information about his unpaid balance and was advised accordingly. On XX/XX/XXXX, XXXX inquired about his April payment status, which had been posted incorrectly to principal. Later, on XX/XX/XXXX, XXXX faced troubleshooting issues with his website access. Last contact with borrower was noted on XX/XX/XXXX, when XXXX was informed of troubleshooting steps for login issues and payment setup details.

N/A

In April XXXX, the borrower dealt with insurance funds related to a tentative resolution with their insurance company, having completed restoration work on their home. Communication ensued between the borrower, a public insurance adjuster, and various representatives to ensure proper documentation and the release of insurance funds for completed repairs. By July XXXX, the borrower confirmed receipt of a supplemental check to cover repair expenses, initiating electronic fund traXXers to their account.

N/A

In July XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for xx County were paid from escrow funds, wired to XXXX. Similarly, on XX/XX/XXXX, county taxes were paid in the amount of $XXXX.XX.

N/A

386015

XXXX

On XX/XX/XXXX, spoke with XXXX regarding his insurance payment. On XX/XX/XXXX, outbound call confirmed discussion with USAA regarding funds receipt.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, paid XXXX second half county taxes amounting to $XXX.XX. Paid XXXX first half county taxes of $XXXX.XX on XX/XX/XXXX and the second half of $XXXX.XX on XX/XX/XXXX. Paid XXXX first half county taxes of $XXXX.XX on XX/XX/XXXX.

N/A

646250

XXXX

Throughout XXXX to early XXXX, frequent email exchanges between XXXX and the borrowers, xx and XXXX XXXX, connected to trials or modifications. Regular updates and confirmations aimed to maintain the loan. Payment agreements were continuously adjusted to prevent foreclosure.

The borrower experienced financial difficulties partly due to being laid off from work, which coincided with the passing of his brother. Communication mentions a return to work after a layoff and financial constraints attributed to these events.

N/A

The borrower had difficulties keeping up with payments, leading to communications about possible foreclosure. Foreclosure was put on hold multiple times, allowing the borrower to apply for repayment plans and modifications in a bid to prevent losing the property.

N/A

Town and school taxes for XXXX and XXXX were paid, utilizing escrow to disburse funds to the tax office on multiple occasions.

N/A

After struggling with payments, the borrower applied and was ultimately approved for a loan modification, which included a XX-month trial period starting February XXXX, consisting of monthly payments of $X,XXX.XX. The modification was finalized as of January XXXX, with a new payment structure set.

N/A

Several repayment plans were discussed due to missed payments. The borrower committed to and completed a XX-month trial payment plan starting February XXXX, with consistent communication about the payments.

N/A

983222

XXXX

Continuous records of communication are documented for monthly payments and billing cycle notices. On XX/XX/XXXX, the borrower refused consent to share credit and private data with outside entities and SN Affiliates, confirming privacy settings over the web.

Throughout XXXX, the borrower is consistently making payments on time with monthly billing statements and payment alerts sent regularly. There are no comments indicating financial distress, loss of income, or inability to pay for the mortgage.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Tax payments for xx County are consistently updated, with amounts disbursed from escrow for county taxes on multiple occasions, including payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Details of tax payments are reflected occasionally, ensuring they are current.

N/A

915940

XXXX

On XX/XX/XXXX, XXXX called in regarding a payment issue and was advised about call monitoring.

N/A

On XX/XX/XXXX, the customer acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, tax office confirmed that the borrower's taxes are paid and current. The next tax bill is due by XX/XX/XXXX. Also, according to XX County's website, taxes are paid through the XXXX/XXXX tax year.

N/A

812997

XXXX

On XX/XX/XXXX, XXXX called seeking Flood and FPI certificates to purchase HOI. Later in June, XXXX contacted to inquire about escrowing HOI and flood insurance, planning inclusion in monthly payments for the following year.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website. On multiple occasions, the borrower refused consent to share private data and credit data with outside entities and xx affiliates, indicating concerns over privacy and potential fraud.

N/A

Taxes were paid through escrow for county obligations, including an amount of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. Yearly tax documents were uploaded to the print vendor on XX/XX/XXXX for completion.

N/A

722469

XXXX

On XX/XX/XXXX, the borrower XXXX confirmed his last X of SSN and mentioned receiving a notice from the bank regarding HOI payments. On the same day, another call between XXXX and XXXX occurred where XXXX was informed that the payment for HOI was sent out on XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

The borrower has exempt status for city and utility taxes for both the first half of XXXX and XXXX, as noted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The exemption status for XXXX's second half was confirmed on XX/XX/XXXX.

N/A

380934

XXXX

On XX/XX/XXXX, inbound call from XXXX confirmed property and mailing address, and sent a copy of the tax bill to customer service email. Rec'd tax bill in customer service was forwarded to the tax department.

N/A

In several instances throughout XXXX, the borrower acknowledged reading tips to reduce fraud and updated their account settings accordingly.

N/A

On XX/XX/XXXX, county taxes of $XXX.XX were paid to xx County from escrow. On XX/XX/XXXX, county taxes of $XXXX were paid to xx county revenue commissioner from escrow.

N/A

817790

XXXX

N/A

On XX/XX/XXXX, borrower’s tax payments are confirmed current. Future taxes due by XX/XX/XXXX, and on XX/XX/XXXX, it was confirmed taxes remain current with the next bill due by XX/XX/XXXX.

N/A

431813

XXXX

On November XX, XXXX, there was a contact with XXXX XXXX who was informed about payment increases and advised to check billing statements online. He confirmed making a payment soon. In February XXXX, communications continued regarding tax documents and escrow issues.

In April XXXX, the borrower mentioned a loss of job in December and discussions occurred about finding assistance or alternative solutions, including selling the property or using cash for keys. By April XX, XXXX, a repayment plan was set up due to a curtailment of income.

N/A

In March XXXX, a demand notice was prepared and sent for a cure amount, with multiple communications between the borrower and the company to discuss options, including email confirmations of details. The demand was eventually canceled in April XXXX following a repayment plan agreement.

N/A

On July X, XXXX, the borrower acknowledged reading fraud prevention tips on the website.

N/A

On December X, XXXX, XXXX county taxes were paid. Similarly, on December X, XXXX, XXXX county taxes were paid, both disbursed from escrow.

N/A

In April XXXX, a X-month repayment plan was approved with a $X,XXX down payment followed by payments of $X,XXX.XX from May to July. The plan was created on April XX, XXXX, to address a delinquency due to income curtailment.

N/A

609313

XXXX

On XX/XX/XXXX, the borrower registered a one-time payment and updated preferences for receiving billing statements and notifications via email. Payments were continually created monthly with updates noted in settings on specified dates. On XX/XX/XXXX, the borrower made a payment and refused consent to share personal data repeatedly in both February XXXX and February XXXX via online acknowledgements.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website.

N/A

On XX/XX/XXXX and XX/XX/XXXX, payments for county taxes were made to xx county. Subsequent payments were recorded on XX/XX/XXXX and XX/XX/XXXX.

N/A

475847

XXXX

On XX/XX/XXXX, XXXX called to discuss assuming a loan, and it was suggested she try refinancing. On XX/XX/XXXX, XXXX returned contact regarding XX and ongoing account issues, attempting to make payments.

N/A

On XX/XX/XXXX, the account's status was noted as contractually current, and no bankruptcy proceedings were initiated.

On XX/XX/XXXX and XX/XX/XXXX, borrower acknowledged fraud reduction tips on the website.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes for XXXX were paid. On XX/XX/XXXX and XX/XX/XXXX, county taxes for XXXX were paid from escrow to xx County.

N/A

399943

XXXX

On XX/XX/XXXX, the main borrower, XXXX, inquired about various loan details such as maturity date, interest rate, and payment type. On XX/XX/XXXX, XXXX called to discuss adjusting autopay due to a substantial insurance increase. On XX/XX/XXXX, XXXX contacted regarding an escrow shortage payment. On XX/XX/XXXX, XXXX addressed issues adjusting payments. Latest contact was recorded on XX/XX/XXXX regarding escrow shortage.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their account via the borrower website. Other entries in the system show the borrower refused consent to share private data and credit data with xx Affiliates on the same day.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid to xx County. Again, taxes paid on XX/XX/XXXX and XX/XX/XXXX, processed through escrow and wired to XXXX.

N/A

710366

XXXX

On XX/XX/XXXX, XXXX discussed making payments after receiving a XX-day letter, showing interest in a temporary forbearance. He informed about starting a new job. On XX/XX/XXXX, XXXX's payment had a bank reversal issue, and he confirmed making a corrected payment with CONF# XXXXXXX.

On XX/XX/XXXX, XXXX mentioned falling behind due to inflation and being sick twice with COVID-XX.

N/A

On XX/XX/XXXX, a repayment plan was established for Anthony to make double payments each month for X months to bring the account current. Payments in October, November, and December were made as per this plan.

N/A

393367

XXXX

Throughout XXXX and XXXX, regular payments were made by the borrower via the website. The last payment reported was on XX/XX/XXXX for $XXX.XX, and several website settings updates and consent refusals for data sharing were made in XXXX. The final contact noted was on XX/XX/XXXX with a payment of $XXX.XX confirmed.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. Additionally, on various dates, the borrower refused consent to share private and credit data with outside entities and XX.

N/A

On XX/XX/XXXX, school taxes for XXXX amounting to $X,XXX.XX were paid from escrow. On XX/XX/XXXX, $XXX.XX was disbursed for XXXX town taxes to xx Town. School taxes for XXXX amounting to $X,XXX.XX were paid on XX/XX/XXXX. On XX/XX/XXXX, $XXX.XX was disbursed for XXXX town taxes to xx Town.

N/A

365811

XXXX

Delinquent Taxes

Multiple contacts were made with the borrower or co-borrower primarily concerning payment issues, document requests, and escrow inquiries. Notable interactions include on XX/XX/XXXX about documents, concerns regarding payments not clearing discussed on XX/XX/XXXX and XX/XX/XXXX. One recent significant contact on XX/XX/XXXX involved setting up CBP and questioning transaction visibility on her bank account.

N/A

There was an acknowledgment of tips to help reduce fraud on XX/XX/XXXX and XX/XX/XXXX by the borrower on the website.

N/A

Various tax payments and corrections were made over the period. County taxes were paid multiple times, such as on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with adjustments for prior years due to correction notices. The borrower also had queries regarding payments made towards taxes, especially verifying payments for the years XXXX to XXXX.

N/A

There are mentions of modification attempts such as auto-pay settings and payment adjustments, but no explicit modification approvals or denials.

N/A

570233

XXXX

On XX/XX/XXXX, the borrower submitted a web inquiry requesting their loan and payment status. The contact details were updated with a preferred method of communication via mail. No further contacts were documented indicating the borrower last interacted on this date.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on their website. This was reaffirmed on XX/XX/XXXX.

N/A

On XX/XX/XXXX, xx County website confirmed taxes are current, next due for XX/XX/XXXX. On XX/XX/XXXX, taxes were paid through the XXXX/XXXX tax year, with upcoming dues noted for XX/XX/XXXX and XX/XX/XXXX.

N/A

355532

XXXX

Active Bankruptcy,Delinquent Taxes

Several contacts via email between borrower XXXX XXXX and asset manager XXXX throughout XXXX and XXXX regarding mortgage payments and account status. A notable exchange on September XX, XXXX, discusses limited payment capacity due to ongoing bankruptcy process. Recent contact on January XX, XXXX, indicated payment due for X/X/XXXX with a balance of $XXX.XX available for application.

N/A

The borrower xx is undergoing Chapter XX bankruptcy proceedings since February XX, XXXX. The plan was confirmed on March XX, XXXX, and involves trustee payments for arrears while the borrower pays ongoing amounts. Several communications discussed delinquent taxes included in the bankruptcy plan, with the most recent update on January XX, XXXX, confirming that taxes are to be paid by the trustee. Additionally, changes in legal representation were noted on August X, XXXX.

N/A

Several entries detail delinquent taxes for XXXX owed to xx County Tax Claim Bureau, initially amounting to $XXXX.XX and later updated to $XXXX.XX. These taxes were included in the bankruptcy plan for trustee payment, ensuring the property does not go to upset sale in September XXXX.

N/A

370656

XXXX

On XX/XX/XXXX, multiple actions initiated by the borrower requesting contact regarding loan status and payoff quotes. Last payment check up on XX/XX/XXXX, maintaining regular monthly payment schedule since.

The comments indicate that there is no relevant information on the default reason as it was marked 'N/A', implying there is no issue of delinquency reported.

N/A

There are no bankruptcy issues found, as noted on XX/XX/XXXX with no records of bankruptcy (Bk) detected.

The borrower acknowledged reading tips to reduce fraud on the Borrower Website on XX/XX/XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid with funds disbursed from escrow to XX County.

N/A

As of XX/XX/XXXX, there are no modifications found related to the account.

N/A

387701

XXXX

Property Damage - Repair status unknown

The borrower XXXX had consistent contact throughout, notably on XX/XX/XXXX regarding insurance claims and their intention to escrow taxes for XXXX. Discussions on resetting payment amounts and understanding escrow process took place on several occasions. On XX/XX/XXXX, final contact involved requesting written authorization to adjust tax escrow. Communications also involved adjusting settings on their borrower website for statement delivery and notifications.

N/A

Extensive documentation revolves around insurance claims and repairs. On XX/XX/XXXX, there was an inquiry regarding the status of loss draft funds for property damage, and a property inspection was ordered. On XX/XX/XXXX, the borrower was asked to submit documents to finalize the insurance claim. Various interactions suggest ongoing discussions and processes regarding property repairs managed through xx and agency partnerships. A property inspection was repeatedly ordered between June and July XXXX to ensure repairs were complete.

N/A

There were discussions post-March XXXX about the borrower wanting taxes escrowed. On XX/XX/XXXX, the borrower voiced their decision not to escrow taxes anymore and instructed to underline that they were sticking to the previous amount. Payments for taxes are confirmed through XX County until the XXXX tax year with the next due by XX/XX/XXXX.

N/A

935920

XXXX

On XX/XX/XXXX, there was a quality right party contact where the borrower engaged in a discussion regarding payment due and confirmed last X SSN and property address. The borrower mentioned intention to pay by Friday.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

On XX/XX/XXXX, XH county taxes were paid in the amount of $XXXX.XX to xx County, disbursed from escrow. On XX/XX/XXXX, XH county taxes, similarly amounting to $XXXX.XX, were paid to xx County. In XXXX, on XX/XX and XX/XX, XH and XH county taxes of $XXXX.XX each were paid to xx County, both disbursed from escrow.

N/A

642253

XXXX

On XX/XX/XXXX, the borrower, XXXX XXXX, emailed XXXX regarding a new homeowner policy. The response confirmed receipt of the policy and added it to the file. Prior communication on XX/XX/XXXX was an email from XXXX introducing herself as the Asset Manager and providing her contact information.

N/A

On XX/XX/XXXX, acknowledgment of tips to help reduce fraud on the Borrower Website by user was noted. The borrower updated notification settings on the same date.

N/A

Taxes are paid through XXXX-XXXX. The next tax payments are due on XX/XX/XXXX and XX/XX/XXXX per XX County website as of XX/XX/XXXX.

N/A

839825

XXXX

Property Damage - Repair status unknown

On X/XX/XXXX, XXXX left a voicemail reporting significant property damage. Contact continued with ongoing conversations about insurance claims and banking details for payments. The last detailed contact was on X/XX/XXXX, when XXXX called to make a payment, confirming the necessary check details.

During the review conducted on X/XX/XXXX, no delinquencies or reasons for default were found for XXXX.

On X/XX/XXXX, a voicemail from xx reported that the house had burned down. Subsequent discussions confirmed that an insurance claim was filed, and XXXX was informed about the necessary documentation for the repair process, including a contractor's report and liability insurance documents. Discussions continued through XXXX with updates on documentation and coordination with the contractor, XXXX.

N/A

Taxes were paid on X/X/XXXX for XXXX second-half county taxes and on XX/XX/XXXX for XXXX first-half county taxes. Payments ensured taxes remain current as confirmed by xx County website on X/XX/XXXX.

N/A

No modifications were found as of the review on X/XX/XXXX.

N/A

856848

XXXX

The last notable contact involved payment transactions and acknowledgments regarding the sharing of private data with affiliates and the reading of fraud prevention tips. The sequence includes acknowledgement refusals on XX/XX/XXXX and regular updates about payments and billing statements.

N/A

On XX/XX/XXXX, it was noted that BK is not applicable as the account is escrowed and RFD is contractually current.

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, the county taxes for the first half of XXXX were paid, and similar payments for the county taxes were executed on XX/XX/XXXX and XX/XX/XXXX for the first and second halves of XXXX respectively. These payments were disbursed from escrow and wired to XXXX for processing to the tax office.

N/A

713175

XXXX

On XX/XX/XXXX, a web inquiry was submitted for a payoff quote request. The borrower requested a contact via email for loan balance details. Payoff details were processed and sent on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the user acknowledged reviewing tips to reduce fraud on the Borrower Website.

N/A

Throughout XXXX and XXXX, various payments were made for county taxes to xx County. Payments were often disbursed from escrow and processed via wire to XXXX for tax office payments.

N/A

On XX/XX/XXXX, all loan terms matched the note and no modifications were found.

N/A

924342

XXXX

On X/X/XXXX, an inbound call from a borrower was received regarding a traXXer letter. The borrower acknowledged the traXXer effected only the investor and not the servicer. On X/XX/XXXX, the borrower inquired and received assistance with payment adjustments and settling an escrow shortage.

There were no comments specifically mentioning reasons for default such as job loss, disability, or other financial hardships.

N/A

Instances of acknowledgment in fraud prevention were noted on X/XX/XXXX and X/XX/XXXX, highlighting user awareness on various fraud reduction strategies on the Borrower Website.

N/A

On multiple occasions, taxes were disbursed from escrow, including payments on X/XX/XXXX for $XXXX.XX, XX/XX/XXXX for $XXXX.XX, X/XX/XXXX for $XXXX.XX, and XX/XX/XXXX for $XXXX.XX, indicating ongoing management of tax obligations.

N/A

339010

XXXX

On XX/XX/XXXX, XXXX called regarding a non-sufficient funds fee on his billing statement and was informed a follow-up would be done. On XX/XX/XXXX, an incoming call confirmed his identity via the IVR system as he inquired about managing his escrow balance and payments.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes for XXXX were paid in the amount of $XXXX.XX to xx County, disbursed from escrow, and funds were wired to XXXX for tax office payment. On XX/XX/XXXX, the XXXX county taxes amounting to $XXXX.XX were similarly paid and processed.

N/A

On XX/XX/XXXX, the borrower was informed via email that a non-sufficient funds fee assessed on XX/XX/XXXX could not be reversed due to it being registered in the system since then and appearing on billing statements.

350202

XXXX

On X/XX/XXXX, the borrower was in contact regarding payment setup issues, seeking assistance due to system access problems and discussed late fees and billing statements. On X/X/XXXX, contact was made from the borrower to the service representative inquiring about late payment charges and their scheduling preferences, showing significant borrower involvement in managing payment schedules.

There were instances where the borrower experienced issues with payments allegedly due to online access issues. On X/XX/XXXX, the borrower requested a waiver for late fees because they were unable to access the online payment system, indicating a potential issue with loss of income or cash flow management. Additional details regarding reasons for default were not indicated in the comments.

These comments do not include specific details regarding property condition related issues, maintenance, or structural repairs that typically affect property condition. Therefore, N/A.

N/A

The borrower acknowledged reading fraud prevention tips on the website on X/X/XXXX, demonstrating awareness or concern regarding potential fraud issues. Additionally, consent settings updates on X/X/XXXX pertain to data sharing, which might involve precautions against fraud. Fraud-related events do not appear to be central in these comments beyond these entries.

N/A

On X/X/XXXX and X/XX/XXXX, comments note that taxes are paid or current through specified terms with next payments due on given future dates, indicating no immediate tax issues or delinquencies.

N/A

No discussion of loan modification requests or modifications related to payment terms were found in these comments. Therefore, N/A.

N/A

522770

XXXX

On XX/XX/XXXX, an outbound call was made to the borrower wherein xx confirmed personal details. Discussion also included mention of payment adjustments due to escrow overages being applied to the principal.

N/A

Property taxes were paid consistently for the years XXXX to XXXX. Payments were made to the xx county tax office, disbursed from escrow, indicating regular tax handling and compliance.

N/A

Transactions include review of the loan details with notes on items such as the maturity date set for XX/XX/XXXX. The account underwent a forbearance modification as noted.

N/A

On XX/XX/XXXX, it was noted that a modification on file includes a forbearance plan indicating temporary payment adjustments.

N/A

599387

XXXX

On X/XX/XXXX, the borrower contacted the servicer to clarify an escrow analysis, understanding that the payment would decrease to $X,XXX.XX starting July.

N/A

On X/X/XXXX and X/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Taxes for XXXX and XXXX were paid for XX County, indicated by a $XXXX.XX payment on X/XX/XXXX, and a $XXXX.XX payment on XX/XX/XXXX. Further tax payments were made for early XXXX on X/XX/XXXX, amounting to $XXXX.XX, and for late XXXX on XX/XX/XXXX, amounting to $XXXX.XX.

N/A

604275

XXXX

On XX/XX/XXXX, the borrower proactively contacted Customer Service Counsel (C/S), verified identity, and discussed payment arrangements. They acknowledged previous payment shortfall due to sent erroneous amounts, and agreed to increase current and future payments to cover shortages and apply excess towards principal.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by user XXXX on XX/XX/XXXX and XX/XX/XXXX.

N/A

On XX/XX/XXXX, paid county taxes for XXXX totaling $XXXX.XX, disbursed from escrow, and initiated payment to xx County via XXXX. For the following year, on XX/XX/XXXX, county taxes amounting to $XXXX.XX were similarly processed.

N/A

951385

XXXX

On XX/XX/XXXX, an inbound call was received from the customer where they discussed a lender transfer letter with clarification provided. This was the last known contact with the borrower.

N/A

The borrower acknowledged reading tips to help reduce fraud on their account on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower paid XXXX-XX XH county taxes amounting to $XXXX.XX. Later, on XX/XX/XXXX, they paid $XXXX.XX for XXXX/XX XH county taxes. An annual escrow analysis indicated a shortage of $XXX.XX on XX/XX/XXXX and was adjusted accordingly. Another shortage of $XX.XX was noted on XX/XX/XXXX, with a letter mailed to the borrower. On XX/XX/XXXX, the borrower paid XXXX XH county taxes, amounting to $XXXX.XX, followed by an annual analysis indicating a shortage of $XXX.XX, addressed on XX/XX/XXXX. A further escrow shortage of $XX.XX was identified and communicated on XX/XX/XXXX.

N/A

773984

XXXX

Interactions were regular and often related to verifying or scheduling payments. The borrower typically communicated intentions to make payments at month-end and was informed of late fees for delayed payments. On XX/XX/XXXX, the borrower acknowledged late payment penalties. In subsequent months through XXXX up to XXXX, the borrower maintained contact for payment scheduling amidst sporadic missed calls and voicemail attempts.

N/A

Throughout the years, county taxes for Palm Beach were paid using escrow funds: $XXX.XX in XXXX and $XXX.XX in XXXX.

N/A

The borrower completed a trial period plan and awaited the final modification agreement, which was worked up in early September XXXX. Terms included a principal and interest payment of $XXX.XX, a total PITI payment of $XXX.XX, with the modification effective from XX/XX/XXXX. This agreement was communicated and executed throughout September and October XXXX, despite communication issues. The final setup was processed by mid-October XXXX with updated escrow and interest terms. The borrower was kept informed and assured regarding the agreement commencement.

N/A

374553

XXXX

On XX/XX/XXXX, XXXX inquired about unapplied funds and payment setup, following which she gradually made multiple payments throughout the year, including confirmed payments on XX/XX/XXXX and XX/XX/XXXX. The borrower was going through financial arrangements and responding to foreclosure actions in September and October of XXXX. Detailed communication regarding repayments, emphasizing foreclosure avoidance guidance, occurred extensively through late XXXX, with email records providing transaction confirmations and payment plans.

N/A

The borrower struggled with past due payments, leading to the issuance of foreclosure demand letters. On September XX, XXXX, a demand was sent for $X,XXX.XX, which remained unpaid as of its expiration on October XX, XXXX. However, the borrower wired $X,XXX on October XX, XXXX, resulting in the cancellation of foreclosure actions in late November XXXX, linked with a repayment plan approved by investors.

N/A

Tips to help reduce fraud were acknowledged by the borrower on the website on August X, XXXX and December XX, XXXX. The customer's consent actions suggest an awareness or concern about data privacy.

N/A

The borrower paid city taxes for XXXX and XXXX, with disbursements on February X, XXXX, and July XX, XXXX. These payments ensured the mortgage was not in default due to tax delinquencies.

N/A

The borrower struggled to maintain a repayment plan, frequently falling behind. In April XXXX, a payment was missed, threatening the plan's activation. Attempts to contact the borrower for additional funds continued through XXXX. The borrower managed to follow through with a partial repayment of $XXX in April. The plan was eventually adjusted and maintained through a series of communications, including certified payment options circa October XXXX.

N/A

995770

XXXX

Active Bankruptcy

On XX/XX/XXXX, contact was made with XXXX, who confirmed SSN and address details. She frequently engaged with customer service for payment processing and insurance verification. On XX/XX/XXXX, XXXX called again about a tax discount and insurance issues, further discussing details through calls on XX/XX and XX/XX. The latest contact was on XX/XX/XXXX, when XXXX confirmed her payment and inquired about homeowner's insurance status.

N/A

On XX/XX/XXXX, a Homeowners Insurance (HOI) cancellation notice was received, and a flag was set for non-renewal. Subsequent communication with the borrower's wife, XXXX, revealed her efforts to secure a new HOI policy, confirmed on XX/XX/XXXX with a new policy from XXXX effective XX/XX/XXXX. By XX/XX/XXXX, XXXX was actively verifying coverage to avoid Force Placed Insurance (FPI) charges, and by XX/XX/XXXX, $XXXX.XX of FPI charges were refunded upon confirmation of continuous insurance coverage.

N/A

On XX/XX/XXXX, internal communications regarding a BK response referral involved verifying corporate ownership as part of legal and bankruptcy considerations, indicating ongoing legal attention to the bankruptcy matter.

N/A

On XX/XX/XXXX, $XXXX.XX was paid for XXXX county taxes to xx County. On XX/XX/XXXX, the XXXX county taxes amounted to $XXXX.XX, indicating timely tax disbursement from the escrow.

N/A

829684

XXXX

Active Bankruptcy

On XX/XX/XXXX, the borrower communicated concerns about billing discrepancies, including increases in monthly mortgage amounts shown on statements and unexplained unapplied payments. The servicer provided detailed explanations on XX/XX/XXXX, regarding how payments are processed, escrow shortages impact on billing, and the handling of unapplied funds due to bankruptcy procedures.

N/A

The borrower is currently involved in Chapter XX bankruptcy proceedings. Payments are being managed by the trustee, with the account showing consistent activity in paying arrears. Various communications and actions, such as the generation of billing statements and inquiries about late charges, continue as the account is monitored for discharge and closure. By January XXXX, the bankruptcy case is still open but soon closed as of January XX, XXXX. The borrower questions confusions from seemingly outdated bankruptcy notations in documents, clarified by the servicer.

The borrower acknowledged reading fraud prevention tips on the lender's website on April XX, XXXX.

N/A

Throughout the provided timeline, routine payments for county taxes were made via escrow. In June XXXX, a payment amounting to $XXXX.XX was disbursed for XXXX second half county taxes. Similar disbursements were done for the first half of XXXX and XXXX taxes, highlighting continuous management of tax obligations without reported issues.

N/A

The borrower inquired about a 'forbearance principle' shown in statements in March XXXX, and the servicer provided details from the XXXX modification agreement.

N/A

The borrower reported the mortgage missing from credit files, affecting credit applications. In May XXXX, the servicer acknowledged past disruptions due to COVID-XX policies and ensured the account was added back to regular credit reporting.

937222

XXXX

On XX/XX/XXXX, an inbound call was made by borrower XXXX XXXX requesting payment history for his accountant. Document was emailed securely. On XX/XX/XXXX and XX/XX/XXXX, borrower updated billing settings, opting for paperless and email notifications.

There are no comments indicating the reason for default or financial hardship.

N/A

Comments checked on XX/XX/XXXX mention no bankruptcies found for the borrower.

Multiple instances of privacy concerns highlighted on XX/XX/XXXX and XX/XX/XXXX, whereby the borrower refused consent to share private and credit data. Additionally, on XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on fraud prevention.

N/A

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, tax payments were made to counties using escrow funds. Annual escrow analyses on XX/XX/XXXX and XX/XX/XXXX identified shortfalls to be spread over XX months.

N/A

650109

XXXX

On XX/XX/XXXX, the co-borrower called to verify the payment and account details and discussed the escrow analysis. They expressed concern about a payment that had not yet been withdrawn and were advised of the reason. The borrower was informed of a short payment and requested the annual escrow analysis email.

The comments did not provide any specific details regarding reasons for default. Account is noted as pending refinance, with a recovery strategy of contractually current and no modifications found. There are no comments explicitly mentioning reasons for delinquency.

N/A

There was an acknowledgment of reading tips to help reduce fraud on August XX, XXXX, and August XX, XXXX by the co-borrower via the web.

N/A

Taxes for XXXX and XXXX were paid from escrow. On May XX, XXXX, $XXXX.XX was disbursed to xx County for the first half of XXXX. On August XX, XXXX, another $XXXX.XX was paid for the second half of XXXX. On May XX, XXXX, the first half of XXXX taxes amounting to $XXXX.XX was paid to xx County, and the same amount was paid on August XX, XXXX, for the second half.

N/A

722188

XXXX

On XX/XX/XXXX, XXXX XXXX called to apply a $XX,XXX payment towards the principal. Various emails and calls followed with the asset manager and cashiers, discussing the correct application of payments as principal rather than monthly payments. There were several contacts discussing similar adjustments, including on XX/XX/XXXX, regarding a $XX,XXX payment.

N/A

On XX/XX/XXXX and XX/XX/XXXX, tax status updates reveal taxes were paid through the respective tax years, with future due dates provided.

N/A

957302

XXXX

The borrower was in continuous engagement regarding payments and data privacy consent through XXXX and XXXX. Contact on XX/XX/XXXX and XX/XX/XXXX involved discussing billing statements and insurance payments. Payment consents were managed in January XXXX. More interactions to manage payment schedules were seen on XX/XX/XXXX and calls on XX/XX/XXXX confirmed insurance payments.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

Tax payments were consistently disbursed from escrow for town taxes to xx during the specified time period, which include payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

N/A

343138

XXXX

On XX/XX/XXXX, it was noted from the xx website that the borrower was paid and current, with the next due date set for XX/XX/XXXX. There is no other recorded direct contact with the borrower.

N/A

Throughout XXXX and XXXX, several payments were made towards county taxes, specifically in March and September of each year, with amounts disbursed from escrow and sent to the xx tax office via XXXX.

N/A

429043

XXXX

Several billing statements were generated and sent to the borrower from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, there was a payment discrepancy due to an unchanged borrower payment, which prompted a follow-up. Various settings were updated by the borrower on XX/XX/XXXX on the website, including refusal to share data with affiliates and acknowledgment of fraud prevention tips.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website and updated notification settings.

N/A

xx County taxes were paid consistently semi-annually from escrow between XXXX and XXXX, with amounts increasing slightly each year.

N/A

959614

XXXX

On XX/XX/XXXX, XXXX confirmed details including SSN and property address while calling from a different number; the call was regarding setting up a check by phone payment. XXXX frequently contacted the servicer for payments, often calling from (XXX) XXX-XXXX, verified necessary details and set up payments seamlessly.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips on the website to prevent fraud.

N/A

Payments of town taxes were made on several occasions, including paying $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, $XXXX.XX on XX/XX/XXXX, and $XXXX.XX on XX/XX/XXXX.

N/A

426542

XXXX

On XX/XX/XXXX, spoke with Brett over the phone regarding the escrow shortage for September, confirmed and authorized payment. Brett acknowledged reading fraud reduction tips on XX/XX/XXXX. On XX/XX/XXXX, an email was sent to Brett about the increase in payment due to escrow changes, and the borrower updated the monthly payment accordingly.

N/A

On XX/XX/XXXX, $XXX.XX was paid for the XXXX county taxes to xx County, disbursed from escrow. On XX/XX/XXXX, $XXX.XX was paid for the XXXX county taxes, wired to XXXX.

N/A

540618

XXXX

On XX/XX/XXXX, the co-borrower desired billing statements under her name. Through multiple calls, advised of filling out a borrower switch form and confirmation of asset manager reassignment. On XX/X/XXXX, borrower was advised to email a bank statement for double payment. Request for refund was processed following documentation.

Borrower payments at times were insufficient as the payment increased, leading to escalations on XX/XX/XXXX and XX/XX/XXXX. Shortages were repeatedly documented in escrow. The borrower was notified of these inconsistencies.

N/A

On XX/XX/XXXX, acknowledged reading tips to help reduce fraud and refused consent to share private and credit data with affiliates and outside entities.

N/A

Taxes for various quarters in XXXX-XXXX were paid, ensuring that borough taxes were current without delinquent fees in XXXX. Borough taxes disbursed multiple times from escrow funds.

N/A

621701

XXXX

On XX/XX/XXXX, the borrower contacted to set up a CBP, verified account information, and discussed escrow shortage. Consent was given to share private and credit data with affiliates, and mailing address was updated during the conversation.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, XXXX XH county taxes were paid, disbursed from escrow. On XX/XX/XXXX, XXXX XH county taxes amounting to $X,XXX.XX were paid to xx County. On XX/XX/XXXX, XXXX XH county taxes amounting to $X,XXX.XX were paid to xx County.

N/A

689375

XXXX

On XX/XX/XXXX, borrower XXXX called seeking copies of the loan history and VOM. Despite initial hurdles with authorization, necessary documents were sent to her representative by XX/XX/XXXX. Later, confirmation was received that documents were successfully delivered, resolving her issue swiftly.

N/A

Throughout XXXX and XXXX, county taxes were consistently paid to xx County, disbursed from escrow and wired through XXXX, ensuring taxes were kept current.

N/A

On XX/XX/XXXX, an outbound call was made to the borrower's contact number, but the number was disconnected, indicating potential issues in contact details.

989501

XXXX

Delinquent Taxes

Throughout the records, there are frequent interactions with billing statements being sent regularly to the borrower, ensuring they are updated with the latest financial details. Payments were consistently received, and the next payment due dates were noted as part of check-up routines, ensuring an ongoing dialogue about loan status.

N/A

There are various tax payments documented throughout the period for parcels within xx and xx, including town taxes, village taxes, and school taxes. Each payment is detailed with the amount, recipient, and the method of payment, such as funds wired to XXXX or paid directly to the tax office.

N/A

On XX/XX/XXXX, it was noted that a loan modification was completed on XX/XX/XXXXX as part of the recovery strategy, aiming to modify the loan agreement.

N/A

666010

XXXX

Active Bankruptcy

On XX/XX/XXXX, XXXX called to verify property address and social security number, requested documents, and inquired about credit reporting. He was informed that due to a Chapter X discharge, credit reporting cannot be turned on. The issue was later communicated via email on XX/XX/XXXX.

N/A

On XX/XX/XXXX, XXXX called to request a copy of his loan history and a goodbye letter; however, his request to turn on credit reporting could not be fulfilled due to a Chapter X discharge.

On XX/XX/XXXX, there was an acknowledgment of tips to help reduce fraud on the borrower's website. A similar acknowledgment was made on XX/XX/XXXX.

N/A

On XX/XX/XXXX, it was noted that taxes for the XXXX/XXXX tax year were paid, and the first quarter borough taxes for XXXX/XXXX, due on XX/XX/XXXX, amount to $X,XXX.XX.

N/A

795680

XXXX

On XX/XX/XXXX, a request was sent to xx regarding the Note and Mortgage documents. December XX, XXXX, the borrower created a payment via the website for $XX,XXX and refused consent to share data with affiliates, indicating active engagement and privacy concerns. On XX/XX/XXXX, another payment of $XX,XXX was processed with similar refusal notifications.

There was no direct mention of a reason for default; however, there were consistent billing statements and status checks indicating regular activity without highlighting any financial hardships.

N/A

On XX/XX/XXXX, the borrower acknowledged reading fraud prevention tips on their website. On XX/XX/XXXX, there was another acknowledgment of fraud prevention tips, indicating the borrower might be cautious regarding fraud.

N/A

Various emails and receipts regarding property taxes were exchanged. Emailed requests for updates on taxes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with confirmations received that taxes were paid through respective quarters with upcoming dues noted. On XX/XX/XXXX, year-end tax documents for XXXX were uploaded, indicating current tax compliance.

N/A

972371

XXXX

On XX/XX/XXXX, attempted contact with asset borrower with no answer; call ended abruptly. On XX/XX/XXXX, spoke with XXXX, confirming new payment amount, ending the call after confusion regarding increased mortgage payment.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, the first half of XXXX town taxes amounting to $XXXX.XX were paid. On XX/XX/XXXX, the second half of XXXX town taxes was paid for the same amount. On XX/XX/XXXX and XX/XX/XXXX, payment of $XXXX.XX was made for the first half and second half of XXXX town taxes, respectively.

N/A

382804

XXXX

On XX/XX/XXXX, XXXX confirmed payment status for August and was assured his billing statements were correct, confirming autopay settings were accurate. On XX/XX/XXXX, XXXX inquired about an increase in payments due to escrow adjustments and discussed online payment options with support.

On XX/XX/XXXX, XXXX expressed concerns about potential job lay-off and inquired about deferment options. The servicer does not offer deferments but supports clients who fall behind.

N/A

XXXX acknowledged tips to reduce fraud on both XX/XX/XXXX and XX/XX/XXXX.

N/A

Payments for city taxes were made on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, disbursed from escrow and wired to XXXX.

N/A

402068

XXXX

Deceased Borrower

On XX/XX/XXXX, contact was made with XXXX, confirming payment and providing future instructions. On XX/XX/XXXX, borrower XXXX XXXX confirmed asset ownership requires a death certificate. Regularly attempted calls occurred noting payment updates.

On XX/XX/XXXX, it was noted that the borrower was responsible for taxes, with no reason for delinquency recorded. Additionally, on XX/XX/XXXX, the system indicated that there was no specified reason for delinquency.

N/A

On XX/XX/XXXX, xx County website indicated that property taxes were exempt through the XXXX tax year, with a likely continuation later. Similarly, on XX/XX/XXXX, the xx County Treasurer confirmed property tax exemption. On XX/XX/XXXX, taxes were stated to be exempt through the XXXX tax year.

N/A

On XX/XX/XXXX, borrower XXXX was informed she needed a death certificate to transfer asset ownership to her name.

On multiple occasions, it was indicated that a loan modification agreement existed and was up to date.

N/A

744951

XXXX

There were frequent attempts to contact the borrower via phone and email, typically reaching the voicemail. Last significant communication was on February XX, XXXX, where the borrower was informed of the account's status post-foreclosure cancellation and reinstatement. Prior contacts include discussions in October XXXX and September XXXX regarding missed payments and potential repayment terms.

N/A

Property inspections were ordered multiple times through XXXX from August XXXX to January XXXX to assess exterior and occupancy conditions. Invoices for inspections, each amounting to $XX, were issued accordingly.

Foreclosure processes were initiated and managed from July XXXX, with demand letters and legal proceedings recorded. Efforts to recover past dues included requests for attorney involvement and foreclosure cancellations once payments were received. An attorney was assigned in January XXXX, and foreclosure was subsequently canceled on February XX, XXXX, following a reinstatement.

N/A

On October XX, XXXX, the borrower acknowledged reading tips to reduce fraud and refused consent to share credit and private data with entities.

N/A

County taxes were paid on November X, XXXX, and November XX, XXXX, with amounts disbursed from escrow to XX County.

N/A

On January XX, XXXX, loss mitigation packets were prepared to potentially modify the loan, with foreclosure actions on hold pending review results.

N/A

Throughout XXXX, the borrower struggled to stay current on payments. Discussions for repayment plans occurred several times, but some payments were insufficient, leading to blocked account access until newer payment arrangements were made.

N/A

609242

XXXX

On XX/XX/XXXX, there was an outbound call where the borrower expressed frustration about payment issues and wanted to authorize his mother on the account, noting email and transportation difficulties. Further communication included emails regarding payment issues and confirming contact details throughout XXXX and XXXX. The borrower was reminded about making payments correctly and requested clarification on credit reporting policy in February XXXX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips on reducing fraud on the Borrower Website.

N/A

In XXXX and XXXX, payments were made for county taxes from the escrow for xxCounty on X/XX/XXXX and X/XX/XXXX respectively.

N/A

546731

XXXX

On XX/XX/XXXX, co-borrower's settings were updated on the Borrower Website for paperless billing and notifications. No direct contact regarding accounts or issues.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the customer acknowledged reading tips to help reduce fraud on the Borrower Website. Various instances refused consent to share private and credit data with outside entities and XX.

N/A

On XX/XX/XXXX and XX/XX/XXXX, county taxes were paid from escrow to xx County. Annual Escrow Analysis in XXXX showed a surplus, while in XXXX indicated a shortage spread over XX months.

N/A

658780

XXXX

On XX/XX/XXXX, an outbound call was made to discuss an escrow shortage identified in August due to changes in payment amounts. The borrower was advised that a change in HOI or property taxes might be responsible. On XX/XX/XXXX, the borrower contacted customer service regarding a change in insurance, expressing the intention to personally handle the cancellation and payment.

N/A

On XX/XX/XXXX, the borrower, using the email XXXX, acknowledged reading tips to reduce fraud on the Borrower Website.

N/A

On XX/XX/XXXX, county taxes amounting to $X,XXX were paid to xx County. On XX/XX/XXXX, county taxes amounting to $X,XXX were paid to the xx County collector, both disbursed from escrow.

N/A

821161

XXXX

On XX/XX/XXXX, there was a notable contact where an insurance agent confirmed policy details and received an email for HOI submission. On XX/XX/XXXX, the borrower refused consent to share credit and private data. Lastly, a similar acknowledgment of refusal was made on XX/XX/XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website. Similarly, on XX/XX/XXXX, the borrower again acknowledged reading fraud reduction tips on the website.

N/A

Throughout the recorded period, taxes were consistently paid from the borrower's escrow account. Notably, on XX/XX/XXXX, town taxes were disbursed for $XXX.XX, and school taxes amounting to $X,XXX.XX were disbursed on XX/XX/XXXX. Continued payments included town taxes on XX/XX/XXXX for $XXX.XX and school taxes on XX/XX/XXXX for $X,XXX.XX.

N/A

490684

XXXX

On XX/XX/XXXX, an inbound call was received from XXXX to check on the payment status. XXXX was informed that the payment was received on XX/XX/XXXX, and he was advised to contact his bank for pending issues. On XX/XX/XXXX, XXXX contacted regarding escrow shortage and was advised to check with his insurance broker for saving options. On XX/XX/XXXX, XXXX called to pay escrow shortage and discussed possible tax exemptions. On XX/XX/XXXX, XXXX confirmed receipt of escrow shortage payment and understood subsequent payment increase due to insurance rise.

N/A

On XX/XX/XXXX, a homeowner policy renewal from XXXX was received, effective from XX/XX/XXXX to XXXX. This was noted in tracking with correct clause, and a copy of the declaration page was forwarded for payment. On XX/XX/XXXX, a reinstatement from XXXX was received, effective XX/XX/XXXX, with no indication of any cancellations.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the borrower website.

N/A

Various tax payments made from escrow: XXXX parish taxes of $XX.XX to xx, and XXXX city taxes of $XXX.XX to xx. Similarly, payments for XXXX taxes were made with parish taxes at $XX.XX and city taxes at $XXX.XX, both paid from escrow.

N/A

On XX/XX/XXXX, an Escrow Analysis indicated a shortage of $XXX.XX, spread over XX months with a new escrow constant effective for XX/XX/XXXX. On XX/XX/XXXX, another annual escrow analysis was conducted, showing a shortage of $XXX.XX, with adjustments effective from XX/XX/XXXX.

N/A

714316

XXXX

Delinquent Taxes

On XX/XX/XXXX, the borrower called about property taxes and expressed concerns regarding a lien threat. The borrower was assured that funds were already disbursed, and the issue was being resolved. Later communication reconfirmed tax issues were not a concern and provided updates. Effective contact has been maintained consistently to resolve tax issues throughout the end of XXXX and the start of XXXX.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website. The borrower refused consent to share credit and private data with XX and Outside Entities on multiple occasions between XX/XX/XXXX and XX/XX/XXXX.

N/A

Throughout XXXX and XXXX, there were recurring issues with property taxes. On XX/XX/XXXX, county taxes were paid on the wrong parcel, and a refund was initiated. Extensive communications with the borrower were conducted about the resolution of this issue, including disbursed funds from escrow and refunds received from XXXX due to an error of wrong parcel payment. The issue was actively worked on, and updates provided by tax representatives assured the borrower of eventual resolution without affecting tax filings.

N/A

618246

XXXX

The borrower made consistent payments and adjustments on their website, such as adjusting the notification settings. On XX/XX/XXXX, XXXX XXXX confirmed receipt of modification documents and noted challenges finding a notary. By XX/XX/XXXX, they confirmed notarization. Communication with the servicer was consistent with updates on XX/XX/XXXX regarding trial payment details.

N/A

On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

N/A

Tax transactions occurred regularly with county taxes being paid from escrow, for example, $XXX.XX was paid on XX/XX/XXXX, and $XXXX.XX was paid on XX/XX/XXXX and XX/XX/XXXX.

N/A

A modification agreement was finalized with the borrower accepting terms including a XX-month trial payment plan beginning November XXXX with payments of $X,XXX.XX. The permanent modification was requested in October XXXX and required ongoing payments. The finalized permanent modification, effective XX/XX/XXXX, adjusted various terms including a new fixed interest rate of X.XX%, a modified payment starting XX/XX/XXXX, and a total capped UPB of $XXX,XXX.XX.

N/A

553784

XXXX

Delinquent Taxes

The borrower XXXX made several inquiries: on XX/XX/XXXX, XXXX contacted the servicer regarding lender place issues and payoff quotes. He requested a pay-off statement and was informed about changes in payment due to shortage in escrow. XXXX called again on XX/XX/XXXX, inquiring about insurance payments made and was advised to contact the insurance company directly.

N/A

There are multiple updates regarding the bankruptcy case, including system updates made by XXXX, indicating that the case is active and pending.

N/A

Throughout XXXX, several comments indicate tax-related issues, especially concerning xx County. Requests were made for permission to pay taxes and handle delinquent taxes, highlighting issues with penalties. There were mentions of refunds processed and undeliverable mail concerning tax matters, indicating ongoing difficulties with tax management for specific parcels.

N/A

Multiple DMDC verified comments reflect no record for borrowers, possibly indicating verification against military duty databases. Comments as of XXXX consistently show a balance of X.XX.

N/A

659248

XXXX

Deceased Borrower

On XX/XX/XXXX, XXXX inquired about assumption requests and the reissuance of a claims check due to the co-borrower's (her mother's) passing. On XX/XX/XXXX, the borrower sought updates regarding pending claim checks, confirming details related to check status. Frequent contacts note XXXX verifying or inquiring about claim statuses and related documentation. Last contact highlights ongoing issues with inspection approval and draw schedules, with follow-ups on the initiative to finalize inspections or stabilize check statuses.

N/A

The property has encountered multiple issues, detailing claims, inspections, and repair processes. The property experienced losses due to water damage with ongoing monitoring of claims. There have been several adjustments, endorsements, and inspections carried out, as documented in regular communications with property owners and contractors. Inspections frequently reveal pending repairs, with percentages of completion noted and adjustments managed accordingly.

N/A

On multiple occasions, it was noted that XXXX is deceased, and requests were made to remove her name from checks. Documentation such as death certificates and estate administration papers have been addressed.

N/A

735095

XXXX

On XX/XX/XXXX, a significant call was received discussing a fee waiver, hardship resolution, and evaluation of repayment options.

On XX/XX/XXXX, the HAF flag was removed following the provision of records to the state. Subsequent comments on XX/XX/XXXX detail that HAF assistance ended as termination records were received.

N/A

On XX/XX/XXXX, a research request was resolved detailing the transfer of loan servicing to xx with an outstanding corporate advance fee of $XXX.XX related to foreclosure fees.

N/A

On XX/XX/XXXX, discussions regarding various workout options including repayment plans were conducted.

N/A

DMDC verified on multiple dates indicating no active duty status.

On XX/XX/XXXX, unauthorized changes in account servicing were highlighted.

846118

XXXX

Property Damage - Not Repaired

On XX/XX/XXXX, the borrower called in to schedule a payment and discussed setup for a reinstatement. On XX/XX/XXXX, there was a conversation about payment options. On XX/XX/XXXX, the borrower discussed property damage from a storm. Another contact occurred on XX/XX/XXXX, during which regular payments were processed and verified. Additionally, on XX/XX/XXXX, the borrower sought payoff information and made a payment with a portion going towards principal.

The borrower is facing financial issues related to unexpected emergencies. On XX/XX/XXXX, the borrower indicated their daughter's illness as a reason for default. By XX/XX/XXXX, the borrower mentioned an emergency occurring the previous week, requesting a late fee waiver due to excessive obligation.

On XX/XX/XXXX and XX/XX/XXXX, the borrower reported property damage due to a storm affecting the roof and windows, though no insurance claim was filed for the damages.

N/A

450608

XXXX

On XX/XX/XXXX, XXXX reached out regarding issues with online account access, successfully assisted in resetting his password and regained access to the account.

N/A

Multiple inbound calls regarding bankruptcy were logged on XX/XX/XXXX, and XX/XX/XXXX, with discussions possibly around case details. On XX/XX/XXXX, the customer, XXXX, mentioned that he was already discharged from bankruptcy and requested documentation updates.

N/A

On XX/XX/XXXX, the prior servicer completed a loan modification.

N/A

On XX/XX/XXXX, XXXX. reported a duplicate payment concern which was escalated. The issue was resolved with a refund on XX/XX/XXXX.

826228

XXXX

On XX/XX/XXXX, XXXX communicated about her intention to manage payment of insurance premiums herself, explicitly requesting that the insurance coverage note on the account aligns with this arrangement.

N/A

Analysis and completion of loan modifications were frequently noted, with significant updates on XX/XX/XXXX relating to the completion and transition of a modification deal.

N/A

On XX/XX/XXXX, it was acknowledged that the prior servicer had honored a Pandemic Forbearance Plan with $X impact.

N/A

769163

XXXX

On XX/XX/XXXX, there was active communication with XXXX from the xx Office regarding conservatorship documentation. XXXX is a government official handling this outreach and requested further documentation upload and verification.

N/A

On XX/XX/XXXX and XX/XX/XXXX, the property was confirmed vacant through inspection and verification. Property condition was noted as vacant and secured but not serviceable on subsequent inspections.

Throughout March XXXX, there were several entries regarding steps towards foreclosure that included sale scheduling and actions related to foreclosure dismissal. Specifically, the system update indicated a scheduled sale on XX/XX/XXXX, but funds were received and applied for reinstatement, leading to foreclosure cancellation on XX/XX/XXXX and additional proceedings for dismissal confirmed.

N/A

On XX/XX/XXXX, an ACH wire refund was received fromxx County for previously paid taxes on the parcel, indicating tax payment verification is complete.

N/A

The entry on XX/XX/XXXX indicates a SCRA stand-alone letter was sent. DMDC verification of non-service member status appears multiple times, suggesting ongoing compliance checks.

N/A

451962

XXXX

On XX/XX/XXXX, contact with XXXX was made, discussing forbearance options and HUD counseling. There were subsequent calls with varying outcomes.

On XX/XX/XXXX, there was a discussion with the borrower about excessive obligation and the associated reasons for delinquency.

N/A

In March XXXX, specific actions such as the approval and subsequent granting of a motion to dismiss the foreclosure were documented.

N/A

On XX/XX/XXXX, a non-trial modification was approved for the borrower, with prior servicer modifications noted as completed by XX/XX/XXXX.

N/A

On XX/XX/XXXX, forbearance options and available loss mitigation opportunities were discussed with the borrower, but they were not eligible.

N/A

On XX/XX/XXXX, there was an unauthorized plan change identified.

605108

XXXX

Delinquent Taxes

On X/XX/XXXX, talked to a customer who inquired about escrow analysis due to a payment increase, was informed about tax exemption appeal, and had phone numbers and language preference updated. QA statement given during the call.

N/A

On XX/XX/XXXX, taxes for xx County were delayed past the statutory deadline of X/X/XXXX, finally paid on XX/X/XXXX for the XXXX tax year. On X/XX/XXXX, a duplicate bill fee related to tax disbursement was issued for xx County.

N/A

712612

XXXX

On XX/XX/XXXX, the borrower XXXX called to discuss late fees and autopay status. Previous contact occurred on XX/XX/XXXX, where the borrower reported being out of the country and unable to make online payments due to connectivity issues.

On XX/XX/XXXX, there was a mention of being unable to contact the borrower as they are overseas with no connection.

N/A

On XX/XX/XXXX, a modification was completed by a prior servicer.

N/A

On XX/XX/XXXX, a borrower promised to pay $X,XXX.XX via web by XX/XX/XXXX and scheduled another payment of the same amount by XX/XX/XXXX.

N/A

Multiple DMDC verifications with no borrower record from March to August XXXX; the borrower may not be associated with military duty as per records.

On XX/XX/XXXX, there was an unauthorized transaction and a plan change noted, indicating a possible servicer error.

562493

XXXX

On XX/XX/XXXX, a call was received regarding account access issues, and permission was requested to assist. The borrower made payments on several dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and mentioned on XX/XX/XXXX, they made a payment covering April. Throughout this period, numerous outbound attempts to contact the borrower were made via emails, text messages, and pre-recorded messages, with some texts sent as late as XX/XX/XXXX.

N/A

On XX/XX/XXXX, prior servicer completed a modification on the account.

N/A

934645

XXXX

Delinquent Taxes

On XX/XX/XXXX, XXXX called XXXX to inquire whether she could defer a payment. This was due to looming negative credit reporting and late fees. On XX/XX/XXXX, she called again to reschedule a payment due to slow business, and discussed the option of removing taxes and escrow from her loan, expressing plans to call back in February.

On XX/XX/XXXX, XXXX reported a curtailment of income, mentioning that business at the salon was slow, making it difficult to keep up with payments after an increase due to an income shortfall. She indicated this hardship was not resolved, but she intended to keep the property. By XX/XX/XXXX, XXXX called to discuss a financial hardship due to a significant rise in her mortgage payment caused by an escrow shortage, with no resolution at that time.

Property inspections were ordered and completed multiple times, first on XXXX/XX/XX, then completed and results received on XXXX/XX/XX, with ongoing assessments through XXXX regarding the property's condition.

N/A

On XX/XX/XXXX, a credit correction was submitted to prior servicer due to tax-related issues. Further, tax payments and adjustments were continually monitored, with alerts on XX/XX/XXXX and XX/XX/XXXX regarding increases and payments.

N/A

XXXX received a modification on XX/XX/XXXX and XX/XX/XXXX, indicating step rate notifications. By XX/XX/XXXX, the prior servicer had completed a modification.

N/A

Monica discussed potential repayment plans multiple times. On XX/XX/XXXX, she verified her need for a repayment plan, citing her business being slow and payment challenges, resulting in the setup of such a plan.

N/A

On XX/XX/XXXX and XX/XX/XXXX, SCRA stand-alone letters were sent, identifying military-related protections and concerns.

N/A

462012

XXXX

Title Issues - Pending

Delinquent Taxes

The borrower and servicer had frequent contacts over the timeline presented. On June XX, XXXX, the borrower planned attempts to catch up on payments. On February XX, XXXX, they discussed making payments current once funds were received. Regular contacts continued with promises to pay throughout XXXX, with the latest being on November XX, XXXX, confirming payment by November XX, XXXX.

Throughout the record, there are instances where the borrower mentions reasons for delinquency. On May XX, XXXX, vehicle repairs are cited as a reason for delinquency. On June XX, XXXX, the borrower mentions excessive obligations due to a reduction in income after her son lost his job. Finally, on November XX, XXXX, there is a note about a curtialement of income causing a decrease in income, but the borrower is planning to continue payments.

On September XX, XXXX, a property inspection was ordered and subsequently completed by September XX, XXXX, with the inspection results received.

N/A

On May XX, XXXX, the loan modification was rejected for recording by the county due to the borrower needing to provide a copy of their driver's license confirming the property address as their primary residence. Later, on September XX, XXXX, modifications were sent to the custodian since the borrower would not return the required documentation.

On July XX, XXXX, a call confirmed that taxes would be paid by XX/XX/XXXX.

N/A

Over several months in XXXX, loan modification processes were active. Notable developments include documents being returned for borrower signature on April X, XXXX. The final execution was completed and communicated via email on April X, XXXX, though the modification was later rejected for recording. The prior servicer completed a modification as of May XX, XXXX.

N/A

On April XX, XXXX, forbearance was discussed with the borrower, but it was determined they were not eligible.

N/A

A standalone SCRA letter was sent on September XX, XXXX.

On September XX, XXXX, there was a report of an unauthorized transaction plan change on the account.

811007

XXXX

The borrower had multiple contacts regarding their mortgage, with the most recent significant discussion on XX/XX/XXXX. This call was about a failed payment due to insufficient funds where the borrower was unaware of the failure and intended to retain the property.

Throughout the interactions, there are indications of financial challenges contributing to delinquency. In particular, on XX/XX/XXXX, a comment mentions a curtailment of income, and another comment on the same day highlights excessive obligations.

N/A

On XX/XX/XXXX, the foreclosure process was halted following the reception of reinstatement funds. Several actions were noted regarding the foreclosure process, including notifying the attorney to close the file and cancellation requests for the foreclosure.

N/A

On XX/XX/XXXX, a comment notes a modification completed by the prior servicer, but specific details or further events are not mentioned.

N/A

On XX/XX/XXXX, a discussion about forbearance took place, indicating the borrower was not eligible, exploring other loss mitigation options.

N/A

745812

XXXX

No comments about direct contact with the borrower were found. However, records indicate multiple attempts to reach the borrower via cell calls were made from March XX, XXXX, to August XX, XXXX, without success. Cell calls were repeatedly not answered or were left with messages.

N/A

488466

XXXX

There were multiple interactions with the borrower, XXXX. Significant conversations include on XX/XX/XXXX, discussing payment arrangements and acknowledging income curtailment issues, and on XX/XX/XXXX, where a discussion regarding escrow payments occurred. On XX/XX/XXXX, XXXX confirmed a scheduled payment for XX/XX/XXXX, repeating similar payment assurance on XX/XX/XXXX, proving regular communication with the borrower.

The borrower, XXXX, experienced a curtailment of income, getting paid every third Wednesday, which resolved over a period extending back more than XX months. Although the hardship was resolved, payments continued without an evaluation of a repayment plan. Multiple assurances were given to address the curtailment issue amidst promises to maintain payments. Despite the income issues being resolved, the borrower has remained consistent with payments per the schedule.

N/A

In May XXXX, a prior servicer completed a modification, ensuring continued service continuity.

N/A

967755

XXXX

Delinquent Taxes

On XX/XX/XXXX, the customer made a payment and discussed mailing addresses, declining workout options. Previously, on XX/XX/XXXX, the borrower requested payment history and received loan documents via email. Payments and verification processes continued till XX/XX/XXXX.

Several payment records indicate reasons for delinquency being a family emergency and house repairs. On XX/XX/XXXX, a payment of $X,XXX was made citing family emergency. On XX/XX/XXXX, a payment of $X,XXX was associated with house repairs.

Property inspections were completed as per records on XX/XX/XXXX, confirming ongoing evaluations of property status.

Foreclosure-related communications included a Non-Foreclosure Custody hearing set on XX/XX/XXXX, discussing the payment status and response filing.

N/A

A delinquent tax statement (P-XXX) was recorded on XX/XX/XXXX.

N/A

Prior servicer completed modification process on XX/XX/XXXX.

N/A

Talks of repayment promises frequently recorded, with payments scheduled regularly with confirmations noted dating back to at least XX/XX/XXXX.

Forbearance eligibility was discussed on XX/XX/XXXX, but deemed not eligible at the time. Alternatives and HUD counseling were discussed.

N/A

SCRA-related communications and letters were filed on XX/XX/XXXX.

Temporary suppression of acquisition LPS referral was noted on XX/XX/XXXX.

951121

XXXX

On XX/XX/XXXX, the customer confirmed their intention to keep the property and stated that payments are made monthly. The QA statement was provided, and no XX was required.

N/A

On XX/XX/XXXX, a delinquency search conducted by XXXX on parcel XXXXXXXXXX in Sabine Parish resulted in no delinquencies being identified.

N/A

On XX/XX/XXXX and XX/XX/XXXX, DMDC verification was performed, indicating no military records or obligations for the borrower.

N/A

716575

XXXX

The last significant contact was on XX/XX/XXXX, when XXXX requested deferment due to family health issues and discussed loan modification options. Another contact was on XX/XX/XXXX, when the borrower attempted to make a payment, reporting the automated system didn't work, and discussed payment processing with a representative.

On XX/XX/XXXX, the borrower, XXXX, requested a deferment due to health expenses for a family member. There were discussions about the illness of the principal mortgagor, noting no hardship resolution yet, but confirming the borrower’s intent to keep the property.

N/A

554616

XXXX

Active Bankruptcy

On XX/XX/XXXX, a welcome call was conducted with borrower XXXX, discussed verification, and packet receipt for payment processing. By XX/XX/XXXX and XX/XX/XXXX, issues emerged with returned payments leading to financial discussions. Between August XXXX and January XXXX, ongoing contact revealed bank account issues resulting in missing mortgage payments and presented POC inconsistencies. Interaction continued with further account details verified, scheduling of payments agreed, but posting delayed or suspended. As of the latest noted contact on XX/XX/XXXX, the borrower arranged another payment to address ongoing payment issues.

No specific comments directly indicating a reason for default through keywords such as loss of income, unemployment, or lifestyle changes were found in the records provided.

N/A

The borrower's bankruptcy case (case #XX-XXXXX) involves a Chapter bankruptcy update with various procedural notations, such as amendments, motions, and hearings. The proceedings included the filing and updating of Proof of Claim (POC), payment on claims, motions for relief, and Plan Treatment discussions. There were multiple issues with pay-off calculations, with various adjustments included to principal, interest, and other fees. The last noted significant event was a hearing going due on X/X/XXXX.

N/A

422779

XXXX

On XX/XX/XXXX, spoke with XXXX regarding insurance cancellation and refund processing. Last contact on XX/XX/XXXX, borrower inquired via email about loan status, and was informed by XXXX that the due date was XX/XX/XXXX.

N/A

Acknowledged reading tips to help reduce fraud on the Borrower Website by user XXXX on XX/XX/XXXX and again on XX/XX/XXXX.

N/A

Paid XXXX county taxes in the amount of $XXXX.XX to xx County and XXXX city taxes in the amount of $XXXX.XX to xx City. Payments wired from escrow on XX/XX/XXXX and XX/XX/XXXX respectively. For XXXX taxes, paid $XXXX.XX to xx County on XX/XX/XXXX and $XXXX.XX to xx City on XX/XX/XXXX.

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496427

XXXX

On XX/XX/XXXX, XXXX called with a question about a traXXer of ownership letter. On XX/XX/XXXX, XXXX received advice on contacting HUD for mortgage payment assistance and inquiries about insurance. An identity verification was successfully done on XX/XX/XXXX for a concern about insurance renewal.

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On XX/XX/XXXX, user acknowledged reading tips to help reduce fraud on the Borrower Website. This was repeated on XX/XX/XXXX.

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Tax payments were regularly made: XQ XXXX borough taxes paid on XX/XX/XXXX, XQ XXXX borough taxes paid on XX/XX/XXXX, XQ XXXX borough taxes paid on XX/XX/XXXX, XQ XXXX boro taxes paid on XX/XX/XXXX, XQ XXXX boro taxes paid on XX/XX/XXXX, XQ XXXX boro taxes paid on XX/XX/XXXX, XQ XXXX boro taxes paid on XX/XX/XXXX, and XQ XXXX borough taxes paid on XX/XX/XXXX.

N/A

570316

XXXX

Interactions with the borrower XXXX are frequent, with recent contacts on XX/XX/XXXX regarding payment set up and ID corrections, followed by confirmation of modification agreement and loan terms.

On XX/XX/XXXX, XXXX stated that his mother-in-law died of cancer in Mexico, resulting in medical and funeral expenses. He was advised to apply for HAF and loss mitigation. On XX/XX/XXXX, XXXX mentioned he got injured at work and will be going on disability due to hospitalization.

Property inspection was requested and completed multiple times, indicating that it is occupied. On XX/XX/XXXX and subsequent dates, inspections were requested and completed, confirming occupancy despite lack of call tags.

Foreclosure was referenced multiple times and placed on hold. XX/XX/XXXX marked a XX-day letter sent, and a demand letter followed on XX/XX/XXXX. Subsequently, various foreclosure actions were processed, including assigning an attorney and preparing affidavits. FC was put on hold due to the trial modification period starting on XX/XX/XXXX.

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Reviewed a title work on XX/XX/XXXX and sent to foreclosure scan. Updated contact details on XX/XX/XXXX.

Taxes for XX County were paid periodically, with disbursements from escrow on dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

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On XX/XX/XXXX, XXXX shared that his mother-in-law passed away and the family incurred medical and funeral expenses.

A modification was processed over several months, involving trial period plans, good faith payments, and a finalized modification on XX/XX/XXXX. The mortgage interest rate was adjusted, and the loan terms updated.

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Payment arrangement initiated on XX/XX/XXXX with specified payments and trial period details due to medical hardships and family member death.

N/A

629766

XXXX

On XX/XX/XXXX, the borrower updated their account settings to paperless statements and opted for email notifications. On XX/XX/XXXX, the borrower made a direct call, confirming their identity for a xx notice, and there was another acknowledgment on XX/XX/XXXX for refusal to share private data.

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On XX/XX/XXXX, the borrower paid the second half of the XXXX/XX property taxes amounting to $X,XXX.XX to XX County tax collector, and on XX/XX/XXXX, $X,XXX.XX was disbursed for the first half of XXXX taxes. Further payment of $X,XXX.XX for the second half of XXXX taxes was made on XX/XX/XXXX, and $X,XXX.XX was paid on XX/XX/XXXX for the first half of XXXX taxes.

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834650

XXXX

On XX/XX/XXXX, borrower contacted the service to set up a payment from a checking account ending in XXXX. Numerous interactions were recorded throughout XXXX, with discussions focusing primarily on payment scheduling and account verification. The most recent contact was on XX/XX/XXXX, when the borrower called to make a payment.

On XX/XX/XXXX, the borrower mentioned that she only has one job and does not make enough to cover the mortgage payment due to other obligations, indicating financial strain as the reason for default.

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On XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the Borrower Website.

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County taxes were paid on XX/XX/XXXX for the year XXXX, amounting to $X,XXX.XX, and on XX/XX/XXXX for the year XXXX, totaling $X,XXX.XX, disbursed from escrow.

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827038

XXXX

On X/XX/XXXX, the borrower was contacted and it was verified that they intended to make payments by the end of the month. Earlier, on X/XX/XXXX, the borrower returned a call expressing the desire to reinstate the loan and wiring instructions were provided for payment.

On X/XX/XXXX, a payment arrangement was created due to curtailment of income, with payments starting on X/XX/XXXX. On X/XX/XXXX, another payment arrangement was noted again for the same reason.

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On X/XX/XXXX, an attorney demand letter was requested, followed by a demand sent for $X,XXX.XX on X/XX/XXXX. The borrower expressed intent to reinstate the loan on X/XX/XXXX after returning from the country due to a death in the family. Subsequently, a wire of $X,XXX.XX was received on X/XX/XXXX, leading to foreclosure cancelation.

N/A

638819

XXXX

Active Foreclosure

On XX/XX/XXXX, a conversation with XXXX regarding past due payments confirmed his identity. On XX/XX/XXXX, XXXX asks if there are any relief options, revealing personal circumstances affecting payments. Last recorded payment was received on XX/XX/XXXX. Continuous outbound calls were made, with voicemail not being available. Engaged in multiple emails with XXX and XXXX regarding payment issues and hardship application toward early XXXX.

In an email dated XX/XX/XXXX, XXXX mentions that his wife is not currently working and inquiries about relief options to catch up on payments. This indicates a possible loss of income as a reason for default.

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There are multiple mentions of canceling foreclosure-related tasks due to the need for a demand letter. On XX/XX/XXXX, an Attorney Demand Letter was requested, but it was canceled later. This suggests an ongoing foreclosure process.

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There are comments on the borrower website regarding reading tips to reduce fraud on XX/XX/XXXX and XX/XX/XXXX.

N/A

On XX/XX/XXXX, XXXX county taxes were paid. On XX/XX/XXXX, XXXX county taxes were paid. These were disbursed from escrow.

N/A

On XX/XX/XXXX, XXXX followed up with the borrower to offer a repayment plan to bring the loan current. Several discussions between XXXX occurred in January XXXX, leading to XXXX interest in a short-term repayment plan and a hardship application.

In discussions between XXXX and XXXX on XX/XX/XXXX, XXXX advises that forbearance might be a possibility if a hardship application is submitted.

N/A

A Servicemembers Civil Relief Act Notice was uploaded for print vendor on XX/XX/XXXX, indicating consideration of SCRA during the foreclosure process.

N/A

662377

XXXX

Active Foreclosure

On X/XX/XXXX, XXXX explained her financial hardship due to her husband losing his job and asked about assistance programs. The following contacts during the year focused on addressing the repayment schedule and amounts due, with frequent correspondence mainly via email to coordinate the payment plan and resolve outstanding payments.

N/A

On June X, XXXX, an Attorney Demand Letter was requested, and a Demand Notice was prepared. However, on June XX, XXXX, the cancellation of the demand was processed due to borrower payment received, and foreclosure proceedings were halted. Further demands were issued in September and October XXXX but canceled due to repayment plans. Into January XXXX, further demands initiated were also paused due to borrower payments and investor partial payments acceptance.

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In September XXXX, a repayment plan was discussed for double payments in September and October to bring the account current. This plan was modified in October to allow $X,XXX initially and $X,XXX.XX by the end of October XXXX, which was successfully received. Another plan followed in November XXXX, with a payment arrangement created for November to cover the deficit from previous months.

N/A

756586

XXXX

Active Foreclosure

On XX/XX/XXXX, the borrower was contacted via email regarding payment due status and the refusal of consent to share data was acknowledged on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, payments were made without contact issues noted. The borrower was notified of payment confirmations consistently throughout the logged dates via email.

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An early intervention letter was sent on XX/XX/XXXX. On XX/XX/XXXX, a Pre-FC Loss Mitigation Options Letter, Avoiding Foreclosure Pamphlet, and Servicemembers Civil Relief Act Notice were uploaded to the print vendor with an expedited SLA.

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On XX/XX/XXXX and XX/XX/XXXX, the borrower acknowledged reading tips to help reduce fraud on the website.

N/A

City taxes for XXXX in the amount of $XXXX.XX were paid on XX/XX/XXXX and county taxes in the amount of $XXXX.XX were paid on XX/XX/XXXX. For XXXX, city taxes amounting to $XXXX.XX and county taxes totaling $XXXX.XX were paid by escrow to XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. Year-end tax documents were uploaded to the print vendor on XX/XX/XXXX.

N/A

Servicemembers Civil Relief Act Notice was uploaded on XX/XX/XXXX.

N/A

827709

XXXX

Active Foreclosure

On XX/XX/XXXX, XXXX confirmed receipt of the final modification documents and expressed gratitude for the assistance throughout the process. She agreed to certified funds for ongoing payments due to past returned payments. The conversation included clarification on credit reporting post-Bankruptcy.

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The foreclosure process was initially avoided through a loan modification agreement achieved in October XXXX. Subsequent foreclosure-related actions, including the foreclosure task and related strategies, were formally canceled on XX/XX/XXXX once the account was brought current.

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During the process of finalizing the loan assumption and modification, it was necessary to add XXXX to the title. This required actions facilitated by the borrower's and attorney's cooperation in June and July XXXX.

XXXX and XXXX county taxes were paid from escrow in the amounts of $X,XXX.XX and $X,XXX.XX, respectively.

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The loan modification process involved various communications regarding missing payments during the trial period and the need to comply with payment schedules. After several months of negotiation and document preparation, the loan modification was finalized in October XXXX with a principal and interest payment set at $XXX.XX, effective September X, XXXX. Assumption documents were received and completed, allowing the modification to proceed.

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