{"took":107,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":546,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17816351","_score":29.007576,"_source":{"product":"Debt collection","complaint_what_happened":"I sent a debt validation request from the collector stating : 1. A complete and optimized payment history on this account from the original creditor to the present, including all charges comic payments, interest, ann fees.\n\n2. A. copy of the original signed agreement or contract bearing my signature ( XXXX XXXX ), showing that I agreed to the terms in the alleged obligation. \n\n3. Documentation of any insurance claims or settlements made on this account, such as payment protection charge-offs, or other offsets.\n\n4. The full change of title or assignment, including copies of all transfer or sale documents demonstrating that\nCalvary SPV I, LLC has the legal right to collect on this alleged debt.\n\n5. The name and address of the original creditor, as well as the alleged original amount in any interest or fees.Added since the account originated.","date_sent_to_company":"2025-12-08T01:23:47.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"39056","tags":null,"has_narrative":true,"complaint_id":"17816351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-12-08T01:05:36.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I sent a <em>debt</em> validation request from the collector stating : 1. A complete and optimized payment history on this account from the <em>original</em> <em>creditor</em> to the present, including all charges comic payments, interest, ann fees.\n\n2. A. <em>copy</em> of the <em>original</em> signed agreement or contract <em>bearing</em> my <em>signature</em> ( XXXX XXXX ), showing that I agreed to the terms in the alleged obligation. \n\n3."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[29.007576,"17816351"]},{"_index":"complaint-public-v1","_id":"9817957","_score":28.557198,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.\n\nI requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.\n\nOriginal Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor.\n\nInsurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.\n\nChain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.","date_sent_to_company":"2024-08-10T22:53:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"9817957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-10T22:53:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Original</em> Contract Agreement : Please provide a <em>copy</em> of the <em>original</em> contract agreement <em>bearing</em> my <em>signature</em> that <em>demonstrates</em> my agreement to this <em>debt</em> with the <em>creditor</em>.\n\nInsurance Claim : Indicate whether there is any insurance claim associated with this <em>debt</em>. If there is, please provide the details and documentation supporting the claim."]},"sort":[28.557198,"9817957"]},{"_index":"complaint-public-v1","_id":"19092021","_score":28.555277,"_source":{"product":"Debt collection","complaint_what_happened":"I sent a certified XXXX XXXX XXXX XXXX Zwicker & Associates, P.C on XX/XX/XXXX and was picked by them on XX/XX/XXXX to prove I was the owner of that debt. I requested the following information : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges ; 3. A copy of the original signed agreement or contract bearing my signature that created the alleged obligation ; 4. A complete payment history from the date of origination ; 5. A copy of the assignment, bill of sale, or chain of title demonstrating that the alleged debt was legally transferred from the original creditor to the current creditor, and that Zwicker & Associates has authority to collect or litigate this debt on its behalf ; 6. The date of last payment and the date of default. \n\nToday is XX/XX/XXXX and I did not receive the request information.","date_sent_to_company":"2026-01-29T04:11:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30223","tags":null,"has_narrative":true,"complaint_id":"19092021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2026-01-29T03:18:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I sent a certified XXXX XXXX XXXX XXXX Zwicker & Associates, P.C on XX/XX/XXXX and was picked by them on XX/XX/XXXX to prove I was the owner of that <em>debt</em>. I requested the following information : 1. The name and address of the <em>original</em> <em>creditor</em> ; 2. The full amount of the alleged <em>debt</em>, including an itemized breakdown of principal, interest, fees, and any other charges ; 3. A <em>copy</em> of the <em>original</em> signed agreement or contract <em>bearing</em> my <em>signature</em> that created the alleged obligation ; 4."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[28.555277,"19092021"]},{"_index":"complaint-public-v1","_id":"9887603","_score":28.50574,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.\n\nI requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.\n\nOriginal Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor. \n\nInsurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.\n\nChain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.","date_sent_to_company":"2024-08-10T22:53:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"9887603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-10T22:34:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Original</em> Contract Agreement : Please provide a <em>copy</em> of the <em>original</em> contract agreement <em>bearing</em> my <em>signature</em> that <em>demonstrates</em> my agreement to this <em>debt</em> with the <em>creditor</em>. \n\nInsurance Claim : Indicate whether there is any insurance claim associated with this <em>debt</em>. If there is, please provide the details and documentation supporting the claim."]},"sort":[28.50574,"9887603"]},{"_index":"complaint-public-v1","_id":"19265379","_score":27.579407,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nPlease provide the following information : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.\n\nThe name and address of the original creditor.\n\nCopies of any documents bearing my signature that show I agreed to assume responsibility for this debt.\n\nProof that you are licensed or otherwise authorized to collect debts in my state.\n\nDocumentation demonstrating that you have the legal right to collect this debt.","date_sent_to_company":"2026-02-05T07:26:26.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"28208","tags":null,"has_narrative":true,"complaint_id":"19265379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2026-02-05T07:15:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Copies</em> of any documents <em>bearing</em> my <em>signature</em> that show I agreed to assume responsibility for this <em>debt</em>.\n\nProof that you are licensed or otherwise authorized to collect <em>debts</em> in my state.\n\nDocumentation <em>demonstrating</em> that you have the legal right to collect this <em>debt</em>."],"product":["<em>Debt</em> collection"]},"sort":[27.579407,"19265379"]},{"_index":"complaint-public-v1","_id":"13876921","_score":27.199932,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It XXXX Concern, In 2024, I disputed this alleged debt on multiple occasionsfive to XXXX timeseach time formally requesting full validation. Specifically, I asked for a copy of the original contract bearing my true and verified signature, as required by law. \n\nTo date, the owner or collector of this alleged debt has failed to provide proper documentation or validation as requested. I am fully aware that third-party debt XXXX are not party to the original creditor contracts and therefore must independently validate any alleged obligation before attempting to collect or report it. \nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), you are required to complete a reasonable reinvestigation of any disputed information within XXXX XXXX of receiving a dispute notice. Failure to comply with this federal mandate constitutes a violation of consumer protection law. \n\nFurthermore, under established legal precedent, the right of subrogation does not apply to a stranger to the transaction ( see XXXX XXXX. XXXX. XXXX Subrogation XXXX ). Therefore, unless the alleged debt collector can demonstrate their lawful and contractual standing, including proof of assignment and the original instrument signed by me, they are not legally entitled to enforce or report this alleged debt. \n\nI am once again demanding : 1. A complete and itemized validation of the alleged debt ; 2. A copy of the original contract bearing my actual, verified signature ; 3. Documentation establishing the legal right of the collector to collect this debt ; 4. Immediate removal of this unverifiable item from any credit reporting if validation can not be provided.","date_sent_to_company":"2025-06-03T21:54:19.000Z","issue":"Electronic communications","sub_product":"I do not know","zip_code":"706XX","tags":null,"has_narrative":true,"complaint_id":"13876921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diverse Funding Associates LLC","date_received":"2025-06-03T21:46:43.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["Therefore, unless the alleged <em>debt</em> collector can <em>demonstrate</em> their lawful and contractual standing, including proof of assignment and the <em>original</em> instrument signed by me, they are not legally entitled to enforce or report this alleged <em>debt</em>. \n\nI am once again demanding : 1. A complete and itemized validation of the alleged <em>debt</em> ; 2. A <em>copy</em> of the <em>original</em> contract <em>bearing</em> my actual, verified <em>signature</em> ; 3. Documentation establishing the legal right of the collector to collect this <em>debt</em> ; 4."],"product":["<em>Debt</em> collection"]},"sort":[27.199932,"13876921"]},{"_index":"complaint-public-v1","_id":"18834498","_score":26.732704,"_source":{"product":"Debt collection","complaint_what_happened":"I'm excising my rights by law under 15 USC 1962g ( b ) to have Credit Collections produce all requested information in my dispute letter. I'm requesting itemization of any interest, fees, or other charges, the name and address of the original creditor, the copy of the original contract, agreement, or other documentation bearing my signature that demonstrates my legal obligation to pay the alleged debt, documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership, and the date of default and the date the debt was allegedly incurred. I never had any contract or did business with Credit Collections. Until Credit Collections can produce all information under 15 USC 1962g ( b ) that I owe this debt. I demand that Credit Collections delete themselves off my credit reports completely.","date_sent_to_company":"2026-01-19T18:31:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"18834498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-01-19T18:20:48.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I'm requesting itemization of any interest, fees, or other charges, the name and address of the <em>original</em> <em>creditor</em>, the <em>copy</em> of the <em>original</em> contract, agreement, or other documentation <em>bearing</em> my <em>signature</em> that <em>demonstrates</em> my legal obligation to pay the alleged <em>debt</em>, documentation showing that you are legally authorized to collect this <em>debt</em>, including proof of assignment or ownership, and the date of default and the date the <em>debt</em> was allegedly incurred."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[26.732704,"18834498"]},{"_index":"complaint-public-v1","_id":"20871473","_score":26.611494,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing this complaint according to the alleged debt that National Enterprise Systems claim that I owe.\n\nPursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), you are hereby notified that I dispute the validity of this alleged obligation and request full validation. Until such validation is provided, you must cease all collection activity. \nBe advised that simple account statements, internal screenshots, or payment histories are not considered competent evidence of a valid debt. \nTo properly validate this alleged obligation, please provide the following : A copy of the original signed contract or agreement bearing my signature that establishes a legal obligation with the original creditor. \nA complete chain of title demonstrating your legal right to collect this alleged debt, including : The purchase agreement or assignment from the original creditor Any subsequent transfers Documentation showing this specific account was included in the transfer. \nThe name and address of the original creditor at the time the account was opened. \nA complete itemization of the alleged balance, including principal, interest, fees, and the legal basis for each charge. \nDocumentation demonstrating that National Enterprise Systems has legal authority to collect this alleged debt in the XXXXXXXX XXXX XXXX \nProof that the alleged obligation has not been discharged, settled, canceled, or reported to the Internal Revenue Service via Form 1099-C.\n\nVerification that the amount claimed is accurate and supported by business records from the original creditor. \nTake notice that I do not acknowledge any contractual relationship with National Enterprise Systems. Any claim that your company purchased or was assigned this alleged debt does not create a contractual obligation between your company and myself.","date_sent_to_company":"2026-04-02T02:52:51.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"89081","tags":null,"has_narrative":true,"complaint_id":"20871473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2026-04-02T02:49:11.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Be advised that simple account statements, internal screenshots, or payment histories are not considered competent evidence of a valid <em>debt</em>. \nTo properly validate this alleged obligation, please provide the following : A <em>copy</em> of the <em>original</em> signed contract or agreement <em>bearing</em> my <em>signature</em> that establishes a legal obligation with the <em>original</em> <em>creditor</em>."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[26.611494,"20871473"]},{"_index":"complaint-public-v1","_id":"12551311","_score":26.386751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit Information shows on my account as XXXX XXXX, collection agency XXXX XXXX XXXX. this account was paid in full. When I called the original holder of the account, they stated that the company has been sold, and the records from the previous company can not be accessed. They also shared that they sold all accounts to a collection agency. When I called the collection agency they can not provide ; 1. A detailed payment history, toward this account 2. A copy of the original agreement or contract bearing my signature, demonstrating that I agreed to be financially responsible for this debt.\n\n3. Documentation showing whether any insurance claim has been filed on this debt.\n\n4. Proof that your agency has the legal authority to collect this debt, including a complete chain of assignment from the original creditor to your agency.\n\nI am requesting that this information be deleted from my credit report immediately as I have the right to access all my credit opportunities","date_sent_to_company":"2025-04-24T18:00:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77024","tags":null,"has_narrative":true,"complaint_id":"12551311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Optio Solutions, LLC","date_received":"2025-03-19T08:50:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["When I called the <em>original</em> holder of the account, they stated that the company has been sold, and the records from the previous company can not be accessed. They also shared that they sold all accounts to a collection agency. When I called the collection agency they can not provide ; 1. A detailed payment history, toward this account 2. A <em>copy</em> of the <em>original</em> agreement or contract <em>bearing</em> my <em>signature</em>, <em>demonstrating</em> that I agreed to be financially responsible for this <em>debt</em>.\n\n3."]},"sort":[26.386751,"12551311"]},{"_index":"complaint-public-v1","_id":"13207713","_score":26.152279,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/year> XXXXXXXX XXXX  Dear Sirs or Madams, I am formally requesting debt validation pursuant to my rights under 15 USC XXXXG. Please provide the following documentation within the XXXXday timeframe allotted by law to ensure this debt is valid and that you have the right to collect it : A full and detailed history of all payments made to this account. \n\nA copy of the original agreement bearing my signature, indicating my consent to this contract with the creditor. \n\nDocumentation of any insurance claims that have been filed or paid against this debt. \n\nA complete chain of title demonstrating your legal right to collect this debt. \n\nPlease send all requested information to the address listed below. If you fail to provide proper validation, I will consider this debt unverified and request that it be removed from any credit reporting agencies. \n\nSincerely, XXXX XXXX XX/XX/XXXX, XXXX Received a response with just copies of statements. Not as requested.","date_sent_to_company":"2025-04-28T22:59:19.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"11901","tags":null,"has_narrative":true,"complaint_id":"13207713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-04-28T22:49:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XX/XX/year> XXXXXXXX XXXX  Dear Sirs or Madams, I am formally requesting <em>debt</em> validation pursuant to my rights under 15 USC XXXXG. Please provide the following documentation within the XXXXday timeframe allotted by law to ensure this <em>debt</em> is valid and that you have the right to collect it : A full and detailed history of all payments made to this account. \n\nA <em>copy</em> of the <em>original</em> agreement <em>bearing</em> my <em>signature</em>, indicating my consent to this contract with the <em>creditor</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[26.152279,"13207713"]},{"_index":"complaint-public-v1","_id":"18822752","_score":26.12627,"_source":{"product":"Debt collection","complaint_what_happened":"I'm excising my rights by law under 15 USC 1962g ( b ) to have Harris & Harris LTD produce all requested information in my dispute letter. I'm requesting itemization of any interest, fees, or other charges, the name and address of the original creditor, the copy of the original contract, agreement, or other documentation bearing my signature that demonstrates my legal obligation to pay the alleged debt, documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership, and the date of default and the date the debt was allegedly incurred. I never had any contract or did business with Harris & Harris, nor with XXXX XXXX. Until Harris & Harris can produce all information under 15 USC 1962g ( b ) that I owe this debt. I demand that Harris and Harris LTD delete themselves off my credit reports completely.","date_sent_to_company":"2026-01-19T06:37:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"18822752","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2026-01-19T05:23:49.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I'm requesting itemization of any interest, fees, or other charges, the name and address of the <em>original</em> <em>creditor</em>, the <em>copy</em> of the <em>original</em> contract, agreement, or other documentation <em>bearing</em> my <em>signature</em> that <em>demonstrates</em> my legal obligation to pay the alleged <em>debt</em>, documentation showing that you are legally authorized to collect this <em>debt</em>, including proof of assignment or ownership, and the date of default and the date the <em>debt</em> was allegedly incurred."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[26.12627,"18822752"]},{"_index":"complaint-public-v1","_id":"19199446","_score":25.842447,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal dispute of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). \n\nPlease provide proper validation of this alleged debt, including but not limited to the following : XXXX. Proof that you are the original creditor, or legal documentation establishing your authority to collect this debt if you are acting on behalf of the original creditor. \nXXXX. A copy of the original signed contract or agreement bearing my signature that demonstrates I have a legal obligation to pay this debt. \nXXXX. A complete accounting of the alleged debt, including the original amount, any interest, fees, or charges added, and the date the debt was incurred. \nXXXX. Documentation showing that this debt has not passed the applicable statute of limitations. \n\nUntil such validation is provided, please cease all collection activities related to this account, including reporting or continuing to report this debt to any credit reporting agencies. \n\nThis letter is not a refusal to pay, but a request for verification of the alleged debt. Any attempt to collect without providing the requested documentation may constitute a violation of the FDCPA. \n\nPlease respond in writing only. Thank you for your cooperation. \n\nSincerely yours XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX","date_sent_to_company":"2026-02-10T13:11:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"19720","tags":null,"has_narrative":true,"complaint_id":"19199446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zions Debt Holdings","date_received":"2026-02-03T02:08:01.000Z","state":"DE","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Proof that you are the <em>original</em> <em>creditor</em>, or legal documentation establishing your authority to collect this <em>debt</em> if you are acting on behalf of the <em>original</em> <em>creditor</em>. \nXXXX. A <em>copy</em> of the <em>original</em> signed contract or agreement <em>bearing</em> my <em>signature</em> that <em>demonstrates</em> I have a legal obligation to pay this <em>debt</em>. \nXXXX. A complete accounting of the alleged <em>debt</em>, including the <em>original</em> amount, any interest, fees, or charges added, and the date the <em>debt</em> was incurred. \nXXXX."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["Zions <em>Debt</em> Holdings"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[25.842447,"19199446"]},{"_index":"complaint-public-v1","_id":"11210781","_score":25.778128,"_source":{"product":"Debt collection","complaint_what_happened":"Cease-and-Desist I am requesting a cease-and-desist order against Medicredit, Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and for failing to properly address the issues raised in my recent complaint. Despite my specific and separate requests in a new complaint, they continue to improperly mark it as a duplicate of my previous complaint. \n\nMedicredit , Inc. has failed to provide the following required information : Documentation proving authorization to collect the debt. \nA copy of any agreement or contract between the original creditor and me authorizing the debt. \nDetails of interest or fees added. \nVerification that the statute of limitations on the debt has not expired.\n\nDocumentation proving a legal obligation to pay.\n\nA detailed chain of custody for the debt, including dates and parties involved in the transfer. \nA copy of the purchase agreement or contract demonstrating lawful acquisition of the debt. \nAny signed contract bearing my signature evidencing my obligation to pay. \nProof of when the original creditor sent me the bill, along with tracking records. \nA complete breakdown of the debt with all details provided without omissions. \nThey have violated FDCPA by continuing collection activities without providing proper debt validation and by mishandling my complaints. I respectfully request the CFPB to enforce a cease-and-desist order against Medicredit, Inc. until they comply with all validation requirements and FDCPA obligations. \n\nThank you for your assistance.","date_sent_to_company":"2024-12-19T18:14:15.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"11210781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Outsource Group, Inc","date_received":"2024-12-19T18:03:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["A <em>copy</em> of the purchase agreement or contract <em>demonstrating</em> lawful acquisition of the <em>debt</em>. \nAny signed contract <em>bearing</em> my <em>signature</em> evidencing my obligation to pay. \nProof of when the <em>original</em> <em>creditor</em> sent me the bill, along with tracking records. \nA complete breakdown of the <em>debt</em> with all details provided without omissions. \nThey have violated FDCPA by continuing collection activities without providing proper <em>debt</em> validation and by mishandling my complaints."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[25.778128,"11210781"]},{"_index":"complaint-public-v1","_id":"9473436","_score":25.736502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I dispute the validity of an alleged collection account that appears on my credit report, which is being managed by XXXX Credit Management. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ), I rightfully requested validation of this alleged debt. \n\nI asked Midland credit management to please provide the following documents to validate the alleged debt : XXXX of XXXX : I request documentation demonstrating the complete chain of ownership of the alleged debt from the original creditor to your agency. \nXXXX : Please provide a ledger detailing the principal amount owed, any interest accrued, and any fees associated with the alleged debt. \nXXXX XXXX : Kindly furnish a copy of the purchase agreement between your agency and the original creditor pertaining to the alleged debt. \nAny Contracts with a Wet Signature : I request copies of any contracts or agreements bearing my wet signature, either with your agency or the original creditor. \nAs well as the 1099C form from the original creditor.\n\nIn accordance with 15 USC 1692g, if they were unable to provide the requested documentation within 30 days from the receipt of the letter, which they had not and ignored my request, I request that Midland Credit cease collection activities and remove any negative reporting related to this debt from my credit report.\n\nFurthermore, I am invoking my rights under 15 USC 1681s-2 ( a ) ( 1 ) ( B ) to dispute the accuracy of any information they have reported to the credit bureaus regarding this alleged debt. I request that you conduct a thorough investigation into the validity of this alleged debt and provide me with the results of your investigation.","date_sent_to_company":"2024-07-10T17:50:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06460","tags":null,"has_narrative":true,"complaint_id":"9473436","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-07-10T17:14:34.000Z","state":"CT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX : Please provide a ledger detailing the principal amount owed, any interest accrued, and any fees associated with the alleged <em>debt</em>. \nXXXX XXXX : Kindly furnish a <em>copy</em> of the purchase agreement between your agency and the <em>original</em> <em>creditor</em> pertaining to the alleged <em>debt</em>. \nAny Contracts with a Wet <em>Signature</em> : I request <em>copies</em> of any contracts or agreements <em>bearing</em> my wet <em>signature</em>, either with your agency or the <em>original</em> <em>creditor</em>. \nAs well as the 1099C form from the <em>original</em> <em>creditor</em>."]},"sort":[25.736502,"9473436"]},{"_index":"complaint-public-v1","_id":"18886056","_score":25.582615,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing in response to a collection account you are reporting on my credit report. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nAccount Information as Reported : Original Creditor : XXXX XXXX  XXXX  Account Number ( as reported ) : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Credit Bureau : Experian I dispute this debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay you. Specifically, please provide : Proof of debt ownership, including a complete chain of title from the original creditor to your company, demonstrating that you have the legal right to collect this debt. \nA copy of the original contract or lease agreement bearing my signature that created the alleged obligation. \nA detailed itemization of the balance, including principal, fees, penalties, interest, or other charges. \nThe name and address of the original creditor, and the date of alleged default. \nDocumentation showing that the amount being reported is accurate and authorized. \nPlease note that courts have made clear that a debt collector must be able to demonstrate ownership and authority to collect. In XXXX XXXX XXXX XXXX XXXX, the court emphasized that a debt buyer must be able to prove it owns the debt and has standing to collect. Additionally, while XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) discusses validation standards, it does not relieve a collector of the obligation to substantiate ownership and accuracy when a debt is disputed. \nPlease respond in writing within 30 days","date_sent_to_company":"2026-01-21T11:32:52.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"60652","tags":null,"has_narrative":true,"complaint_id":"18886056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2026-01-21T11:23:06.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Specifically, please provide : Proof of <em>debt</em> ownership, including a complete chain of title from the <em>original</em> <em>creditor</em> to your company, <em>demonstrating</em> that you have the legal right to collect this <em>debt</em>. \nA <em>copy</em> of the <em>original</em> contract or lease agreement <em>bearing</em> my <em>signature</em> that created the alleged obligation. \nA detailed itemization of the balance, including principal, fees, penalties, interest, or other charges. \nThe name and address of the <em>original</em> <em>creditor</em>, and the date of alleged default."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[25.582615,"18886056"]},{"_index":"complaint-public-v1","_id":"13396933","_score":25.480564,"_source":{"product":"Debt collection","complaint_what_happened":"This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of the alleged debt you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature, demonstrating my obligation to pay ; A full chain of assignment and/or a copy of the assignment contract ( s ) transferring the alleged debt from the original creditor to your agency, showing legal standing and right to collect ; Proof that you are licensed to collect debts in [ Your State ], including your license number ; A complete payment history from the original creditor. \n\n\nUntil you provide the requested validation and proof of assignment, I dispute the validity of this debt, and I request that you cease all collection activities and remove any reporting of this alleged debt from all credit reporting agencies. \n\nPlease note : This letter has been sent via Certified Mail, Return Receipt Requested, to ensure documented receipt. All future communications must be made in writing only to the address listed above. \n\nIf you fail to validate this debt as requested, or can not provide a valid assignment contract, you must immediately cease collection efforts and delete any tradelines associated with this alleged debt. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-05-07T19:38:22.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"10473","tags":null,"has_narrative":true,"complaint_id":"13396933","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-05-07T19:34:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am requesting full validation and verification of the alleged <em>debt</em> you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the <em>original</em> <em>creditor</em> ; A <em>copy</em> of the <em>original</em> contract or agreement <em>bearing</em> my <em>signature</em>, <em>demonstrating</em> my obligation to pay ; A full chain of assignment and/or a <em>copy</em> of the assignment contract ( s ) transferring the alleged <em>debt</em> from the <em>original</em> <em>creditor</em>"],"product":["<em>Debt</em> collection"]},"sort":[25.480564,"13396933"]},{"_index":"complaint-public-v1","_id":"18633142","_score":25.192596,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account your company is reporting on my consumer credit report. I dispute this debt in its entirety. \n\nI have not received proper debt validation prior to or after your reporting of this account to the consumer reporting agencies. Reporting a collection account without providing validation violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nPursuant to 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt. Please provide the following documentation : A copy of the original contract or agreement bearing my signature The complete chain of title, including any bill of sale A valid transfer and assignment agreement demonstrating Hudson Valleys legal authority to collect Any flow or purchase agreement governing the transfer of this alleged debt The name and address of the original creditor, along with the date of first delinquency Please note that I have no contractual relationship with Hudson Valley Collection Bureau. You are not listed as the original creditor on this account, and you may not simply provide an old billing statement or account summary from another entity and expect payment. \nAbsent proof of lawful assignment and ownership, such documentation does not constitute proper validation under federal law.","date_sent_to_company":"2026-01-11T06:18:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"71107","tags":null,"has_narrative":true,"complaint_id":"18633142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Bureau of the Hudson Valley, Inc.","date_received":"2026-01-11T06:10:46.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please provide the following documentation : A <em>copy</em> of the <em>original</em> contract or agreement <em>bearing</em> my <em>signature</em> The complete chain of title, including any bill of sale A valid transfer and assignment agreement <em>demonstrating</em> Hudson Valleys legal authority to collect Any flow or purchase agreement governing the transfer of this alleged <em>debt</em> The name and address of the <em>original</em> <em>creditor</em>, along with the date of first delinquency Please note that I have no contractual relationship with Hudson Valley Collection"],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[25.192596,"18633142"]},{"_index":"complaint-public-v1","_id":"13936478","_score":25.08468,"_source":{"product":"Debt collection","complaint_what_happened":"Hunter Warfield has failed to provide proper debt validation as required by the Fair Debt Collection Practices Act. Specifically, they have not provided the following documentation to substantiate their claim : ( 1 ) a copy of the original agreement with the creditor that authorizes them to collect the alleged debt ; ( 2 ) a signed agreement bearing my signature, demonstrating that I agreed to assume responsibility for this debt ; ( 3 ) valid documentation outlining the full terms of the alleged debt, including the principal balance and a breakdown of any interest or fees applied ; ( 4 ) proof that the statute of limitations for collecting this debt has not expired under Louisiana law ; ( 5 ) a complete and itemized payment history for the account in question; and ( 6 ) proof that Hunter Warfield is currently licensed and authorized to collect debts within the state of Louisiana. Without this information, their attempt to collect this debt is both unsubstantiated and in violation of my consumer rights under federal and state law.","date_sent_to_company":"2025-06-06T21:48:07.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"71106","tags":null,"has_narrative":true,"complaint_id":"13936478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-06-06T21:35:07.000Z","state":"LA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Specifically, they have not provided the following documentation to substantiate their claim : ( 1 ) a <em>copy</em> of the <em>original</em> agreement with the <em>creditor</em> that authorizes them to collect the alleged <em>debt</em> ; ( 2 ) a signed agreement <em>bearing</em> my <em>signature</em>, <em>demonstrating</em> that I agreed to assume responsibility for this <em>debt</em> ; ( 3 ) valid documentation outlining the full terms of the alleged <em>debt</em>, including the principal balance and a breakdown of any interest or fees applied ; ( 4 ) proof that the statute"],"product":["<em>Debt</em> collection"],"sub_product":["Other <em>debt</em>"]},"sort":[25.08468,"13936478"]},{"_index":"complaint-public-v1","_id":"9521087","_score":25.071442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the debt that you have reported on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I request that you provide me with the following information and documentation to validate this debt : Original Creditor Information : Please provide the name and address of the original creditor, as well as the account number used by the original creditor. \n\nProof of Ownership : Provide documentation that demonstrates you have the legal right to collect this debt. This should include a copy of the assignment or sale agreement that transferred the debt to LVNV Funding LLC. \n\nItemized Statement : A detailed and itemized statement of the debt, including the amount owed at the time of default, any interest or fees added, and the current balance. \n\nPayment History : Provide a complete payment history starting from the original debt until the present, showing all charges and payments. \n\nOriginal Contract : A copy of the original contract or agreement that created the debt, bearing my signature. \n\nVerification of Amounts : A statement from the original creditor detailing how the amount claimed as owed was calculated. \n\nProof of Notification : Documentation showing that I was properly notified of this debt and given an opportunity to dispute it before it was reported to the credit bureaus. \n\nCopies of All Communications : Any communication sent to me regarding this debt, including dates and methods of contact. \n\nPlease consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until such time as the requested information is provided, I request that you cease all collection activities and remove the collection account from my credit report. \n\nThank you for your prompt attention to this matter. I expect a response within XXXX  days of your receipt of this letter. Failure to provide the requested documentation will be considered an acknowledgment that you can not validate the debt, and I will expect the collection account to be deleted from my credit report.","date_sent_to_company":"2024-07-16T13:33:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19720","tags":null,"has_narrative":true,"complaint_id":"9521087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-07-16T13:31:05.000Z","state":"DE","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Payment History : Provide a complete payment history starting from the <em>original</em> <em>debt</em> until the present, showing all charges and payments. \n\n<em>Original</em> Contract : A <em>copy</em> of the <em>original</em> contract or agreement that created the <em>debt</em>, <em>bearing</em> my <em>signature</em>. \n\nVerification of Amounts : A statement from the <em>original</em> <em>creditor</em> detailing how the amount claimed as owed was calculated."]},"sort":[25.071442,"9521087"]},{"_index":"complaint-public-v1","_id":"21612860","_score":24.950861,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> I sent a validation letter to Midland Credit Management and asked for the following- XXXX. A complete copy of the original contract bearing my wet ink signature. \nXXXX. The full legal name, address, and telephone number of the original creditor. \nXXXX. A complete and itemized payment history from origination to charge-o, including all interest, fees, credits, and calculations used to determine the alleged balance. \nXXXX. A complete chain of title demonstrating your lawful ownership and legal standing to collect, including : o Transfer and/or assignment agreements o XXXX of XXXX o XXXX agreement o All schedules or exhibits specifically referencing my alleged account XXXX. Documentation proving Midland Credit Management has the authority and proper licensing to collect debts in my state. \nXXXX. Double-entry accounting or equivalent documentation evidencing the calculation of the alleged amount owed. \n\nThis is still reporting on my credit bureau and they have not even responded once.","date_sent_to_company":"2026-04-26T18:57:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32750","tags":null,"has_narrative":true,"complaint_id":"21612860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-04-26T18:50:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A complete <em>copy</em> of the <em>original</em> contract <em>bearing</em> my wet ink <em>signature</em>. \nXXXX. The full legal name, address, and telephone number of the <em>original</em> <em>creditor</em>. \nXXXX. A complete and itemized payment history from origination to charge-o, including all interest, fees, credits, and calculations used to determine the alleged balance. \nXXXX."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[24.950861,"21612860"]},{"_index":"complaint-public-v1","_id":"21612714","_score":24.908161,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> I asked LVNV Funding LLC for the following XXXX. A complete copy of the original contract bearing my wet ink signature. \nXXXX. The full legal name, address, and telephone number of the original creditor. \nXXXX. A complete and itemized payment history from origination to charge-off, including all interest, fees, credits, and calculations used to determine the alleged balance.\n\n4. A complete chain of title demonstrating your lawful ownership and legal standing to collect, including : o Transfer and/or assignment agreements o Bill of sale o Flow agreement o All schedules or exhibits specifically referencing my alleged account 5. Documentation proving LVNV Funding LLC has the authority and proper licensing to collect debts in my state.\n\n6. Double-entry accounting or equivalent documentation evidencing the calculation of the alleged amount owed.\n\nLVNV Funding LLC has failed to provide these requested documents and are illegally reporting it to the credit bureaus.","date_sent_to_company":"2026-04-26T18:37:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32750","tags":null,"has_narrative":true,"complaint_id":"21612714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-04-26T18:13:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A complete <em>copy</em> of the <em>original</em> contract <em>bearing</em> my wet ink <em>signature</em>. \nXXXX. The full legal name, address, and telephone number of the <em>original</em> <em>creditor</em>. \nXXXX. A complete and itemized payment history from origination to charge-off, including all interest, fees, credits, and calculations used to determine the alleged balance.\n\n4."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[24.908161,"21612714"]},{"_index":"complaint-public-v1","_id":"13396682","_score":24.904408,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Debt Validation and Request for Assignment of Contract Account/Reference Number : [ Insert account number if available ] Dear [ Debt Collectors Name ], This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of the alleged debt you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature, demonstrating my obligation to pay ; A full chain of assignment and/or a copy of the assignment contract ( s ) transferring the alleged debt from the original creditor to your agency, showing legal standing and right to collect ; Proof that you are licensed to collect debts in [ Your State ], including your license number ; A complete payment history from the original creditor.\n\nUntil you provide the requested validation and proof of assignment, I dispute the validity of this debt, and I request that you cease all collection activities and remove any reporting of this alleged debt from all credit reporting agencies.\n\nPlease note : This letter has been sent via Certified Mail, Return Receipt Requested, to ensure documented receipt. All future communications must be made in writing only to the address listed above.\n\nIf you fail to validate this debt as requested, or can not provide a valid assignment contract, you must immediately cease collection efforts and delete any tradelines associated with this alleged debt.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-05-07T19:05:48.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"10473","tags":null,"has_narrative":true,"complaint_id":"13396682","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-05-07T19:01:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am requesting full validation and verification of the alleged <em>debt</em> you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the <em>original</em> <em>creditor</em> ; A <em>copy</em> of the <em>original</em> contract or agreement <em>bearing</em> my <em>signature</em>, <em>demonstrating</em> my obligation to pay ; A full chain of assignment and/or a <em>copy</em> of the assignment contract ( s ) transferring the alleged <em>debt</em> from the <em>original</em> <em>creditor</em>"],"product":["<em>Debt</em> collection"]},"sort":[24.904408,"13396682"]},{"_index":"complaint-public-v1","_id":"13386680","_score":24.862291,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Debt Validation and Request for Assignment of Contract Account/Reference Number : [ Insert account number if available ] Dear [ Debt Collectors Name ], This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of the alleged debt you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature, demonstrating my obligation to pay ; A full chain of assignment and/or a copy of the assignment contract ( s ) transferring the alleged debt from the original creditor to your agency, showing legal standing and right to collect ; Proof that you are licensed to collect debts in [ Your State ], including your license number ; A complete payment history from the original creditor.\n\nUntil you provide the requested validation and proof of assignment, I dispute the validity of this debt, and I request that you cease all collection activities and remove any reporting of this alleged debt from all credit reporting agencies.\n\nPlease note : This letter has been sent via Certified Mail, Return Receipt Requested, to ensure documented receipt. All future communications must be made in writing only to the address listed above. \n\nIf you fail to validate this debt as requested, or can not provide a valid assignment contract, you must immediately cease collection efforts and delete any tradelines associated with this alleged debt. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-06-27T14:40:10.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"10473","tags":null,"has_narrative":true,"complaint_id":"13386680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-05-07T22:41:49.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am requesting full validation and verification of the alleged <em>debt</em> you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the <em>original</em> <em>creditor</em> ; A <em>copy</em> of the <em>original</em> contract or agreement <em>bearing</em> my <em>signature</em>, <em>demonstrating</em> my obligation to pay ; A full chain of assignment and/or a <em>copy</em> of the assignment contract ( s ) transferring the alleged <em>debt</em> from the <em>original</em> <em>creditor</em>"],"product":["<em>Debt</em> collection"]},"sort":[24.862291,"13386680"]},{"_index":"complaint-public-v1","_id":"19881179","_score":24.858349,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe.\n\nPursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide documentation to verify its legitimacy.\n\nSpecifically, please provide : 1. The name and address of the original creditor.\n\n2. The full account number associated with the alleged debt.\n\n3. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges.\n\n4. Copies of any original signed contract or agreement bearing my signature that demonstrates I have a legal obligation to pay.\n\n5. Documentation demonstrating your authority to collect on this account.\n\n6. The date of default and the date the account was charged off.\n\n7. A complete payment history on the account. \n\nUntil this debt is properly validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. \n\nIf you are unable to provide the requested documentation, you must immediately cease collection efforts and remove any reporting associated with this account. \n\nAll future communication with me regarding this matter must be in writing. \n\nI expect your response within the time frame required by law. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok, XXXX XX/XX/26","date_sent_to_company":"2026-03-01T18:13:26.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"746XX","tags":null,"has_narrative":true,"complaint_id":"19881179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-03-01T18:08:01.000Z","state":"OK","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The full account number associated with the alleged <em>debt</em>.\n\n3. 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