Almost all of the Apple Loops library is copyright by "third parties." In FCPX, as you go into the list of loops, you'll see the creator's credit, example: Detroit Chop Shop (a lot of metallic noises.)
There are several problems using Apple Loops:
1) you've been given the impression that you can use these loops in all your productions, both personal and commercial.
This is essentially true... however: f you read the fine print (several times, and slowly 😉 )
2) you're not supposed to use any Apple Loops from 3rd parties without providing appropriate credit (IN the work in which it is used; not the "about" or "description"; not anywhere apart from the work itself.)
We have been innundated with credit rolls so much all our lives that we barely pay attention to them anymore... sometimes we even feel the credits are longer than the actual work! But they are absolutely necessary. You can state something like: Music: Chaise Lounge Short by Apple, Inc. (or, whoever is listed) Used with permission. [That is a true statement - it is used with permission AND you have provided the necessary credit.]
3) You are not supposed to use any Apple Loop "standalone" in its "entirety" -- in other words, you cannot provide any other party to be able to download/copy the Loop so that it is in the same condition provided to you... You need to "ruin" it in some way (voiceover, or add other content to change it in some way.)
I used a small portion of one of the music beds (within the EULA) and it matched content to somebody else who had used the entire "music bed" as provided in Logic. *THEY* violated the EULA, but I got tagged for copyright infringement (all things being fair, at that point, I hadn't learned my lesson about the in-video credit line...) And that leads me to one of the biggest problems:
4) Somebody has already beaten you to using whatever Apple Loop you want to use...
Apple Loops have been around for a lot of years. Chances of you finding one nobody has used before are practially nil. The loops by Apple are not likely to be a cause for concern (other than the fact that somebody else beat you to them: YouTube's content matching system has already marked the first use of the loop as the "original owner" of the loop - even if that's *wrong*!), but the third party loops will usually fire matches from the original copyright holders.
Wait until you've copyright infringed yourself (yes... that has happened to me!! With my own original compositions!!!) So credit credit credit... I'm fairly sure that as soon as you upload your video to YouTube, a HUMAN puts eyes on it to make sure those credit lines exist.
BTW, all of this also means that you MUST (and absolutely SHOULD) place a © notice on your work as well; that you created an have rights to all the material you used; that you have properly credited all work that you used with permission; etc. etc. etc.
There is a possibility of one more problem:
5) YouTube does not care. (period) They have to cover their own derrieres. If they think you have any liability whatsoever --- it's your problem not theirs. They will not "act on your behalf" to "fix it". A dispute, even a valid one, may not work out in your favor. That's just the way it is. You upload content and it is completely at the "whim" of YouTube/Google. They have the power to take it down if it's going to cause a problem and you are powerless to do anything about it. Accept it. Never get angry... or righteous! Be grateful they don't charge you anything for the favor they provide.
It's a learning process...
HTH