Product: Debt collection

I demand the immediate removal of this account from my credit report if MoneyLion Inc. is unable to show proof they provided consideration of value for the alleged debt. Furthermore, I demand validation, not verification, of the charged-off account reported by MoneyLion Inc. under multiple federal and state laws. This includes full validation of the debt, proper accounting, and compliance with all legal obligations outlined below. In addition to disputing the validity of this alleged debt, I am demanding an immediate return of funds that were withdrawn from my account after the debt was officially charged off. 

MoneyLion Inc. has violated consumer financial protection laws by processing payments on an account that, according to their own reporting, was charged off and written down by {$930.00}. This action constitutes unauthorized debiting, improper collections, and financial misrepresentation. 

XXXX. Immediate Demand for Full Refund of Improperly Withdrawn Funds Under the Electronic Fund Transfer Act ( XXXX ), 15 U.S.C. 1693 et seq., MoneyLion Inc. had no legal right to withdraw {$900.00} on XX/XX/year> after it had reported the account as charged off. 

Pursuant to TILA, XXXX, and FDCPA, I demand : An immediate refund of the {$900.00} withdrawn from my account while the debt was classified as charged off. 
A detailed accounting of how and why MoneyLion Inc. initiated this unauthorized withdrawal after writing off the debt. 
Proof that this withdrawal was lawfully authorized and did not constitute an unlawful attempt to collect on a debt MoneyLion Inc. had already written down for tax purposes. 
Failure to provide a full refund constitutes a violation of consumer protection laws and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and banking regulators. 

XXXX. Demand for Full Validation, Not Mere Verification ( XXXX  & XXXX  Compliance ) Under XXXX XXXX, I demand : A full transaction ledger showing how this account has been handled, including all payments, charges, interest calculations, and any adjustments. 
Proof that MoneyLion Inc. suffered an actual financial loss rather than simply making an internal bookkeeping entry and writing it off for tax benefits. 
Under XXXX XXXX, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted. 

XXXX. Proof of Actual Loaned Funds ( TILA & XXXX XXXX ) Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I demand : Proof that MoneyLion Inc. loaned me actual funds from their own capital, not simply credit created through bookkeeping entries. 
Banking records proving MoneyLion Inc.financial risk in the transaction, including wire transfer or funding records. 
Additionally, per XXXX XXXX, I demand proof of holder in due course status, establishing MoneyLion Inc. legal right to collect any funds. 
If MoneyLion Inc. sold, transferred, or securitized the debt, I demand proof of assignment and ownership under XXXX Article XXXX, XXXX. 

XXXX. IRS XXXX and XXXX Request ( IRS XXXX XXXX & XXXX U.S.C. XXXX ) Since MoneyLion Inc. reported {$930.00} as written off, I demand : A copy of IRS Form XXXX ( Cancellation of Debt ), as required under IRS XXXX XXXX XXXX. 
A copy of IRS Form XXXX ( Acquisition or Abandonment of Secured Property ) if MoneyLion Inc. claimed a loss for tax purposes.

Clarification on how MoneyLion Inc. reported this charge-off to the IRS and whether they claimed a tax deduction for the loss. 
If MoneyLion Inc. failed to issue these IRS forms, they are in violation of tax reporting laws, and I will escalate this matter to the IRS for investigation. 

XXXX. Legal Right to Collect ( FDCPA & FCRA Compliance ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand : Proof that MoneyLion Inc. or any third-party collector has the legal right to collect this debt. 
If the debt was sold or reassigned, I request documented proof of the new creditors legal standing. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : A full investigation into the accuracy of this reporting and an immediate deletion of this account if MoneyLion Inc. fails to provide legally required documentation proving their claim. 

XXXX. Immediate Demand for Removal of Charged-Off Account from My Credit Report Since MoneyLion Inc. failed to provide consideration of value for the alleged debt and has engaged in unlawful post-charge-off fund withdrawals, I demand : Immediate removal of this charged-off account from my credit report.

A written confirmation that MoneyLion Inc. has ceased all collection efforts.

Failure to Respond Within XXXX  Days Will Result in : If MoneyLion Inc. fails to respond within XXXX  days, I will file : A CFPB complaint regarding unauthorized post-charge-off withdrawals, FDCPA violations, and unfair credit reporting practices. 
A formal complaint with the IRS regarding failure to issue proper tax reporting forms ( XXXX ). 
A Federal Reserve and FTC complaint for unlawful debt collection and financial misrepresentation. 
Supporting Federal Laws & Regulations : Electronic Fund Transfer Act ( XXXX ), 15 U.S.C. 1693 et seq. Protects against unauthorized withdrawals. 
Uniform Commercial Code ( UCC ) : XXXX Demand for presentment of the original wet-ink signed promissory note. 
XXXX Holder in due course status and proof of assignment. 
XXXX Full accounting request. 
XXXX Proof of ownership and assignment of secured debt. 
Truth in Lending Act ( XXXX ), 15 U.S.C. 1601 et seq. Requires proof of actual loaned funds and lawful contract consideration. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Requires debt validation and prohibits improper collections. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Ensures accurate and lawful reporting of debt. 
IRS XXXX XXXX ( XXXX XXXX. XXXX ) Requires creditors to issue XXXX if a debt is written off.