[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Recipient's Name] [Recipient's Position] [Name of Bank/Financial Institution] [Address] [City, State, Zip Code] Subject: Complaint to Reform Deed of Trust — Request for Modification Dear [Recipient's Name], I am writing to express my dissatisfaction with the terms and conditions outlined in the current deed of trust associated with my mortgage loan. As a resident of Nebraska, I believe it is essential to exercise my rights as a homeowner to seek a necessary reform to ensure fairness and protect my interests. Formal Complaint Details: Property Address: [Your Property Address] Loan Account Number: [Your Loan Account Number] Deed of Trust Number: [Deed of Trust Number] I have recently reviewed my mortgage documents and have identified inconsistencies and/or unfair provisions that require attention. These issues concern me greatly, and I am confident that addressing them will lead to a more equitable and satisfactory mortgage agreement. Key Issues Identified: 1. [Keyword 1]: Please note that the [specific provision/term] in the deed of trust seems to contradict the agreed-upon terms discussed during the loan origination process. As such, I request its immediate rectification to reflect our initial intentions. 2. [Keyword 2]: It has come to my attention that the [specific provision/term] places an undue burden on the borrower by [explain issue and impact]. This condition violates the principles of fair lending practices and, therefore, requires an amendment to safeguard against any potential legal implications. Alternative Options Considered: 1. [Alternative Option 1]: In light of the aforementioned issues, I request reformation or modification of the deed of trust to conform to mutually agreed-upon terms or industry standards in Nebraska. 2. [Alternative Option 2]: Alternatively, I am open to engaging in negotiations to reach a resolution that ensures the rights of all parties involved are protected, while promoting a more transparent and equitable mortgage agreement. I expect your prompt attention and cooperation in addressing my concerns within [specify a reasonable time frame, e.g., 30 days] of receiving this complaint letter. Failure to respond or take appropriate action may lead me to escalate this matter through legal channels. Kindly acknowledge receipt of this complaint letter by providing a written response within [specify a reasonable time frame, e.g., 7 days]. Your acknowledgment should outline the steps you intend to take to resolve the outlined issues satisfactorily. Thank you for your immediate attention to this important matter. I look forward to a prompt resolution that will restore my confidence and trust in the mortgage agreement. Sincerely, [Your Name]