23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This loan has been with Wells Fargo Small Business Lending. We have tried to pay off the remaining amount on a 15 year loan on which we have paid down for 14 years without missing payments or being late. We recently requested - in writing - a Pay Off amount ( in XXXX, XXXX ) and received the pay-off letter on XX/XX/XXXX. We wired the amounts stated in a Pay Off letter the very next day. They acknowledged receipt of the amount ( direct wired ) and received confirmation of that wire. However they invoked additional daily interest charges due to the discrepancy in THEIR timing of conveying the pay-off letter and amount. Their letter was dated XX/XX/XXXX but we received it via email on XX/XX/XXXX and they received wired funds the next day, XX/XX/XXXX. Then in early XXXX we received a statement by regular mail of owing {$29.00} more ( daily interest fees ) Their statement of the added fees was dated XX/XX/XXXX, and stated required payment date by XX/XX/XXXX ( same day as letter ), but we received that letter by regular mail on XX/XX/XXXX - making it impossible to fulfill their deadline equaling yet more charges. Each time we have receive a demand for additional payment the communications have come late - making it impossible to meet their demands. We pay immediately in good faith, and yet there are more charges. We have wired additional funds in an attempt to head off further small charges but were told they had to create yet another Pay Off statement and that would take 4-5 weeks to get! -- meaning yet more daily interest charges. There seems to be no way to get out of a continuous stream of small added charges. Also the daily interest charges are based on the FULL amount of the initial loan from XXXX instead of the remaining amount on the loan as of XX/XX/XXXX - even though they now actually have all of the amount that remaining. There seems to be no way to get out of this and fulfill their requirements because there are always new added charges with built in time delays so there are always new added fees. No way to get title and finish this!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I was able to take out a line of credit that is illegal in the state of XXXX. The loan terms make it impossible to pay back and the loan is usurious. They fall under the category of rent-bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX >Sold ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I paid the balance and the credit card charged me two weeks later with more interest on a closed account.
Product: Payday loan, title loan, or personal loan

CHARGED ME TOO XXXX High interest rate. THEY REPOSSESED MY VEHICLE CHARGED ME EXTRA FEES ALSO IN TOWING COMPANY GAVE ME HARD TIME AND THIS WAS DURING PANDEMIC WHICH I REPORTED IM GOING THROUGH HARDSHIP.
Product: Credit reporting or other personal consumer reports

Dispute the inaccurate and wrongful reporting of two specific charge-offs related to my accounts with XXXX XXXXXXXX XXXX  XXXX I am requesting the immediate removal and deletion of these accounts from my credit report, as they contain erroneous information and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). 
Upon investigation, XXXX XXXXXXXX XXXX admitted to billing my accounts incorrectly with additional fees and erroneously charged off the accounts, which were then sent to collections in error. These actions occurred while I was awaiting the results of a prior investigation that I initiated with the XXXX XXXXXXXX XXXX  fraud department regarding unrecognizable charges on my accounts. 
Attached to this letter are two written confirmations from XXXX XXXXXXXX XXXX which acknowledge the errors they made : Letter dated XX/XX/XXXXXXXX XXXX XXXX for the account ending in XXXX Letter dated XX/XX/XXXX XXXX XXXX for the account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 15 U.S.C 1681 602 A, states I have the RIGHT to privacy.. 15 U.S.C 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX  account XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Money transfer, virtual currency, or money service

In a rush I was trying to send money via cash app to my mother to help with a recently passed family member and sent to the wrong cash app account by mistake. I tried to resolve the issue with the person I sent it to ( which I do not know ) but the person refused to refund the money. I disputed the transaction with my bank and now cash app has closed my account without notice which still has funds in it. All I was trying to do is get the money back so that I can send it to the right person but cash app 's support has not responded and doesn't seem to be helpful. Even if they refuse to refund at least reactivate my account so that I can continue to help my family the fastest way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX SS XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE.

NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
Please be advise this is my THIRD WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 
All of these accounts have violated the laws listed above : XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX LA XXXX XXXX these Accounts have violated my rights According to FCRA. 

ALSO, ACCORDING TO THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified Experian and XXXX multiple times in regards to a collection from creditor XXXX and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to Experian to remove XXXX citing pending litigation against them. As a US citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

Experian and XXXX needs to delete it while under legal review.
Product: Credit reporting or other personal consumer reports

Today, I had found out that the accounts I want to correct previously on my dispute remains on my credit file and appeared as late with delayed payment also I want to seek an assistance from you in deleting these charge of or late closed that such an erroneous accounts. However, I want to correct the late open accounts and remove the late closed and charge off accounts immediately with your help. Please find the required documents to assist in the correction or deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of these accounts after this attempts is unacceptable and reflects gross negligence. For this unresolve issue. I am pleased to ask an immediate help from you to correct the late open and remove the late closed and charge off as soon as possible : XXXX XXXXXXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Money transfer, virtual currency, or money service

Company called XXXX XXXX are posing as pay-pal, XXXX, XXXX XXXX and other times just as pay-pal employers. 

Asking for information by sending fake charges via email, and posing as fixers of the debt owed. Doing this they ask for your information where they actually are moving forward with charges
Product: Mortgage

PHH Mortgage Services is in violation of the CARES Act, RESPA, and FDCPA. 

PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this servicer. 

In addition, PHH mortgage services has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which it received on XX/XX/XXXX. PHH can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. 

When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. 


Please see attached letter with attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/ XXXX
Product: Mortgage

We suffered losses from Hurricane Irma on XX/XX/2018. Our insurance company paid {$63000.00}, ALL of which have been retained by Flagstar Mortgage. 

Small issues on the claim included damage to fencing, screens, siding, tree removal and haul away costs. The largest portion of the claim was to replace out lakefront dock that was destroyed in the storm. 

To date we have NOT received ONE DIME from the funds that are escrowed. Per the Flagstar 's own policy, we should have received 40 % of the funds up front to start work. They have refused to cut any checks and we have paid out over {$70000.00} from our PERSONAL FUNDS to complete the work. 

They refuse to accept the docks contractor 's invoice and my cancelled checks as proof of payment. Every time we contact they they want additional documents that the contractors have already provided. Further, after 3 weeks of going back and forth regarding the dock, now they want excessive documents for the minor repairs that were completed and paid for over 2 YEARS AGO - Items they NEVER ASKED FOR UNTIL I COMPLAINED ON SOCIAL MEDIA.
Product: Credit card or prepaid card

This morning I attempted to pay my bill and I could not pay through the app due to " technical issues. '' I have complained about the unreliability of this app and their response has been, " I'm sorry, here 's the phone number of our black hole call center full of wait times and accents you can't understand, good luck! '' I want a federal investigation into the reliability of the Citi mobile app.
Product: Credit reporting or other personal consumer reports

on or about XX/XX/XXXX i sent a notice of dispute to transunion ; on or about XX/XX/XXXX folowiing there responses i sent follow up letters dated XX/XX/XXXX and XX/XX/XXXX to the fact of the not conducting a investigation and removing the inaccuracies from my report
Product: Debt collection

I went into XXXX with my drivers license and requested a contract along with previous bills the agent couldnt verify that information only thing he could see was an internet account was opened in my name and the bills were going to an address I never reside at! He recommended I dispute this inaccurate information
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions that were settled with insufficient balances despite initially available funds. These practices are unfair and i request an investigation into my account transactions.
Product: Credit reporting

I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report
Product: Debt collection

A debt that was XXXX from my credit report a year ago from XXXX XXXX, I recently improved my credit and now this company is coming after the bill again after it was already removed. They also re-aged the debt to XX/XX/XXXX when the account was originally from XXXX. I dont believe this debt to be accurate and I believe they keep changing the date on the account to further extend my liability for it. I have worked hard to build my credit and this debt is holding me back from moving forward. Please help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing the following errors with Equifax for XXXX days and sent them over XXXX letters, with no resolution. They have failed to provide valid proof of debt, investigation results and/or correct the inaccuracies on my report : XXXX XXXX ( Account # XXXX ) - Unverified account. Please UPDATE to never late. 

XXXX XXXX ( Account # XXXX ) - Unverified account. Please DELETE this account from my report. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) - Unverified account. Please DELETE this account from my report. 

XXXX XXXX XXXX XXXX - Incorrect address. Please DELETE this account from my report.
Product: Checking or savings account

The NC State Employees Credit Union experienced some kind of fraud with several XXXX XXXX accounts across the state and had to shut down for several hours according to them and they took money from some of my associated accounts to handle their fraudulent debits from whoever hacked their bank
Product: Debt collection

This account is involved in litigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This account has already been removed from my XXXX  and XXXX  credit reports.