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None. In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX