{"took":139,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3355,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14646397","_score":19.949629,"_source":{"product":"Debt collection","complaint_what_happened":": I am formally disputing the validity of the alleged debt referenced above and hereby issue a permanent cease and desist regarding any and all forms of communication under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c. Effective immediately, I prohibit XXXX XXXX XXXX, and any of its representatives, from contacting me regarding this alleged debt in any manner except as required by law. Dispute of Alleged Debt I dispute the existence, accuracy, and validity of this alleged debt with the original creditor, XXXX XXXX XXXX, as communicated by XXXX XXXX XXXXXXXX. This debt is to be considered disputed, and I demand verification and substantiation of the amount claimed.","date_sent_to_company":"2025-07-14T22:30:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"14646397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-14T17:42:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Dispute</em> of <em>Alleged</em> <em>Debt</em> I <em>dispute</em> the existence, accuracy, and validity of this <em>alleged</em> <em>debt</em> with the original creditor, XXXX XXXX XXXX, as communicated by XXXX XXXX XXXXXXXX. This <em>debt</em> is to be considered <em>disputed</em>, and I demand verification and substantiation of the amount <em>claimed</em>."],"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":[19.949629,"14646397"]},{"_index":"complaint-public-v1","_id":"5924025","_score":19.786905,"_source":{"product":"Debt collection","complaint_what_happened":"IC Systems Inc has reported an alleged debt on my credit report that I do not owe them. This debt is hereby disputed and I request validation and proof of claim within 30 days. Per the FDCPA the selling of debt is illegal and I am refusing to pay this alleged debt. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents.","date_sent_to_company":"2022-08-28T04:58:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92336","tags":null,"has_narrative":true,"complaint_id":"5924025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2022-08-28T04:50:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["IC Systems Inc has reported an <em>alleged</em> <em>debt</em> on my credit report that I do not owe them. This <em>debt</em> is <em>hereby</em> <em>disputed</em> and I request validation and proof of <em>claim</em> within 30 days. Per the FDCPA the selling of <em>debt</em> is illegal and I am refusing to pay this <em>alleged</em> <em>debt</em>. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents."],"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> was paid"]},"sort":[19.786905,"5924025"]},{"_index":"complaint-public-v1","_id":"15658032","_score":19.617538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the validity of the alleged debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request that you provide proper validation of this debt.","date_sent_to_company":"2025-09-03T00:00:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"15658032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-09-03T00:00:12.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> the validity of the <em>alleged</em> <em>debt</em> referenced above, which you <em>claim</em> I owe. Pursuant to the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I <em>hereby</em> request that you provide proper validation of this <em>debt</em>."]},"sort":[19.617538,"15658032"]},{"_index":"complaint-public-v1","_id":"15663444","_score":19.597412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the validity of the alleged debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request that you provide proper validation of this debt.","date_sent_to_company":"2025-09-03T00:17:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"15663444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-09-03T00:08:38.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> the validity of the <em>alleged</em> <em>debt</em> referenced above, which you <em>claim</em> I owe. Pursuant to the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I <em>hereby</em> request that you provide proper validation of this <em>debt</em>."]},"sort":[19.597412,"15663444"]},{"_index":"complaint-public-v1","_id":"21640270","_score":19.568876,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Formal Dispute of Alleged Debt To Whom It May Concern : This office represents [ Your Full Name ] regarding the above-referenced alleged debt.\n\nBe advised that my client formally disputes the validity, enforceability, and accuracy of this alleged obligation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal and state consumer protection laws.\n\nYou are hereby notified that your claim is disputed in its entirety.\n\nAccordingly, you are hereby demanded to provide competent validation of the alleged debt, including but not limited to : The name and address of the original creditor ; The complete account history, including all charges, payments, fees, and interest calculations ; A copy of the original signed agreement or instrument bearing my clients signature establishing liability ; Documentation establishing your legal authority and standing to collect this debt, including any assignment or transfer documents ; Proof that the amount claimed is accurate and legally collectible ; Proof that the alleged debt is within the applicable statute of limitations.\n\nPending full validation, you are directed to cease all collection activity, including but not limited to telephone calls, letters, and credit reporting.\n\nFurther, if this account has been reported to any consumer reporting agency, you are placed on notice that reporting unverified, inaccurate, or disputed information may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the FDCPA.\n\nIf you are unable to fully validate this debt, you are hereby demanded to : Cease all collection efforts immediately ; Delete all credit reporting related to this account from all consumer reporting agencies ; and Provide written confirmation of such deletion.\n\nAny further collection attempts without proper validation may be documented as evidence of willful noncompliance with federal law and may result in legal action.\n\nThis correspondence is not an acknowledgment of liability, nor a waiver of any rights, claims, defenses, or remedies available to my client.\n\nGovern yourself accordingly.\n\nSincerely, Representative for XXXX XXXX","date_sent_to_company":"2026-04-27T20:31:04.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"21640270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lockhart, Morris & Montgomery Inc.","date_received":"2026-04-27T20:10:32.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["You are <em>hereby</em> notified that your <em>claim</em> is <em>disputed</em> in its entirety."],"product":["<em>Debt</em> collection"]},"sort":[19.568876,"21640270"]},{"_index":"complaint-public-v1","_id":"14004565","_score":18.762926,"_source":{"product":"Debt collection","complaint_what_happened":"This letter serves as a formal notice of dispute regarding the alleged debt you claim I owe. \nPursuant to 15 U.S. Code 1692g, I hereby request validation of this debt.\n\nSpecifically, I request that you provide me with the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A complete itemized statement of the debt, including principal, interest, and all fees ; 4. A copy of the original contract or agreement bearing my signature that establishes my obligation ; 5. Verification of your legal authority to collect this debt ; 6. Proof that the debt is still within the applicable statute of limitations ; 7. A complete payment history used to calculate the alleged amount.\n\nUntil this information is provided, you must cease all collection activity, including reporting to any credit bureau.\n\nIf you have already reported this alleged debt to any consumer reporting agency, you are required under the FDCPA and FCRA to notify them that the debt is disputed.\n\nAdditionally, under 15 U.S. Code 1692c ( c ), I am invoking my right to demand that you cease and desist from all further communication with me. You are hereby instructed to cease all communication with me about this matter, except to provide the requested validation or to inform me that no further action will be taken on this alleged debt.","date_sent_to_company":"2025-06-10T03:50:28.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"14004565","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-06-10T03:40:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This letter serves as a formal notice of <em>dispute</em> regarding the <em>alleged</em> <em>debt</em> you <em>claim</em> I owe. \nPursuant to 15 U.S. Code 1692g, I <em>hereby</em> request validation of this <em>debt</em>.\n\nSpecifically, I request that you provide me with the following information : 1. The amount of the <em>alleged</em> <em>debt</em> ; 2. The name of the original creditor ; 3. A complete itemized statement of the <em>debt</em>, including principal, interest, and all fees ; 4."],"product":["<em>Debt</em> collection"]},"sort":[18.762926,"14004565"]},{"_index":"complaint-public-v1","_id":"9462547","_score":18.46954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting.\n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).\n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is hereby made that XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what XXXX XXXX XXXX claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX claim I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report.\n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.\n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship XXXX XXXX XXXX has with Equifax, and advise how XXXX XXXX XXXX and Equifax gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX inaccurate information on my consumer report. The alleged collection account is not mine. \n\nInaccurate information : Collections ONLINE INFORMATION S Opened XXXX {$940.00}","date_sent_to_company":"2024-07-09T19:56:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9462547","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-09T19:56:39.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is <em>hereby</em> made that XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[18.46954,"9462547"]},{"_index":"complaint-public-v1","_id":"9462548","_score":18.421242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting.\n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).\n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well.\n\nRequest is hereby made that XXXX XXXX XXXX  and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what XXXX XXXX XXXX claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX claim I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report.\n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.\n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship XXXX XXXX XXXX has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. \n\nInaccurate information : Collections XXXX XXXX XXXX Opened XXXX {$940.00}","date_sent_to_company":"2024-07-09T19:56:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9462548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-09T19:56:39.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well.\n\nRequest is <em>hereby</em> made that XXXX XXXX XXXX  and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[18.421242,"9462548"]},{"_index":"complaint-public-v1","_id":"9464097","_score":18.415375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. \n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). \n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is hereby made that Online Information Services and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt Online Information Services claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Online Information Services for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what Online Information Services claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Online Information Services claim I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which Online Information Services is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. \n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.\n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship Online Information Services has with XXXX, and advise how Online Information Services and XXXX gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. \n\nInaccurate information : Collections ONLINE INFORMATION S XXXX XXXX XXXX940.00}","date_sent_to_company":"2024-07-09T19:56:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9464097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2024-07-09T19:25:33.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is <em>hereby</em> made that Online Information Services and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[18.415375,"9464097"]},{"_index":"complaint-public-v1","_id":"15930043","_score":18.114925,"_source":{"product":"Debt collection","complaint_what_happened":"I, the undersigned, hereby declare that I am not liable for the alleged debts associated with the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ). I have no contractual relationship with the collections agency attempting to enforce these claims. No executed, agreed-upon, or approved documentation exists between myself and said agency establishing any obligation to remit payment or acknowledge indebtedness. Despite my requests, the agency has failed to produce any valid contract or verifiable proof of debt as required by law. Furthermore, the collections agency is illegally reporting this information to credit bureaus without lawful authority or jurisdiction, in violation of applicable regulations. Accordingly, I dispute the validity of these claims and assert that I am not legally obligated to satisfy any such alleged debts.","date_sent_to_company":"2025-09-14T16:54:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33437","tags":null,"has_narrative":true,"complaint_id":"15930043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-09-14T16:49:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Despite my requests, the agency has failed to produce any valid contract or verifiable proof of <em>debt</em> as required by law. Furthermore, the collections agency is illegally reporting this information to credit bureaus without lawful authority or jurisdiction, in violation of applicable regulations. Accordingly, I <em>dispute</em> the validity of these <em>claims</em> and assert that I am not legally obligated to satisfy any such <em>alleged</em> <em>debts</em>."],"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":[18.114925,"15930043"]},{"_index":"complaint-public-v1","_id":"16140484","_score":18.04117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX lot XXXX XXXX, AL XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Re : Request for Debt Validation and Cease & Desist Alleged Account in the amount of {$700.00} To Whom It May Concern, I am writing in response to your claim that I owe a debt in the amount of {$700.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby dispute this debt in its entirety and request that you provide full validation of the alleged obligation.\n\nSpecifically, provide the following : 1. The name of the original creditor.\n\n2. Documentation bearing my signature that allegedly creates this obligation.\n\n3. A complete accounting of the amount claimed, including principal, interest, fees, and other charges.\n\n4. Documentation showing that you are legally authorized to collect this debt. \n\nUntil you provide proper validation, you must cease all collection activity, including reporting to any consumer credit reporting agencies. Please be advised that reporting to credit bureaus constitutes a form of communication under the FDCPA, and continued reporting of this disputed debt without validation is a violation of federal law. \n\nAdditionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease all further communication with me, except to provide the requested validation of the alleged debt or to inform me of specific legal remedies you may seek. \n\nThis letter does not constitute an acknowledgment of liability or a waiver of any of my rights under federal or state law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-25T00:34:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"16140484","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-25T00:28:45.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Pursuant to my rights under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I <em>hereby</em> <em>dispute</em> this <em>debt</em> in its entirety and request that you provide full validation of the <em>alleged</em> obligation.\n\nSpecifically, provide the following : 1. The name of the original creditor.\n\n2. Documentation bearing my signature that allegedly creates this obligation.\n\n3. A complete accounting of the amount <em>claimed</em>, including principal, interest, fees, and other charges.\n\n4."]},"sort":[18.04117,"16140484"]},{"_index":"complaint-public-v1","_id":"9462177","_score":17.933847,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"National Credit Systems , Inc . \nXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. \n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). \n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is hereby made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt National Credit Systems , Inc . \nclaims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter.\n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. \n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship XXXX XXXX XXXX, Inc.has with XXXX, and advise how XXXX XXXX XXXX, XXXX XXXX gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my consumer rights by reporting inaccurate/unverifiable information on my consumer report. \n\nInaccurate information showing on my consumer report : XXXX XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.","date_sent_to_company":"2024-07-09T19:18:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9462177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-07-09T19:18:50.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is <em>hereby</em> made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[17.933847,"9462177"]},{"_index":"complaint-public-v1","_id":"9462622","_score":17.90789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting. \n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). \n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is hereby made that XXXX XXXX XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX \nclaims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter. \n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. \n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the XXXX XXXX XXXX  along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship XXXX XXXX XXXX, Inc.has with Equifax, and advise how XXXX XXXX XXXX, XXXX Equidax gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is violating my consumer rights by reporting inaccurate/unverifiable information on my consumer report. \n\nInaccurate information showing on my consumer report : Collections XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.","date_sent_to_company":"2024-07-09T19:18:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9462622","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-09T18:36:54.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is <em>hereby</em> made that XXXX XXXX XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[17.90789,"9462622"]},{"_index":"complaint-public-v1","_id":"9462179","_score":17.90789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. \n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). \n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is hereby made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX \nclaims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter.\n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. \n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship XXXX XXXX XXXX, Inc.has with XXXX, and advise how XXXX XXXX XXXX, XXXX XXXX gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my consumer rights by reporting inaccurate/unverifiable information on my consumer report. \n\nInaccurate information showing on my consumer report : XXXX XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.","date_sent_to_company":"2024-07-09T19:18:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9462179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-09T19:18:50.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is <em>hereby</em> made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[17.90789,"9462179"]},{"_index":"complaint-public-v1","_id":"5229709","_score":17.895586,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"in the past XXXX XXXX 2021, I disputed this and the failed to sen me anything with my signature stating that i owe them any debt. still they insist on reporting false information defaming my name to credit bureaus. \n\nFrom : XXXX XXXX To : Midstate Collections Solutions XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR VERIFIED DOCUMENTATION FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) FAIR CREDIT REPORTING ACT ( FCRA ) ACCOUNT NUMBER : XXXX ALLEGED DEBT : 730.00 To whom it may concern, This is XXXX XXXX writing in regards to the unpaid debt on the derogatory account listed above, which I intend to dispute and attempt to correct your records. By sending this letter I both dispute the validity of this alleged debt as well as the validity of claims against me. Please be aware and understand that any and all information that I receive from you will be used and collected as evidence should any further actions be necessary. Also be aware that non-compliance with my request could put your company in serious legal trouble. \nAccording to the FDCPA, I have the right to request validation of alleged debt or competent evidence that bares my signature that shows I have a contractual obligation to pay your company. \nI hereby DEMAND that your company provide me under penalty of perjury with the following verified documentation : 1. Both front and back of original alleged contract/ agreement/ promissory note in its entirety, including any application. \nIf requested files cant be provided then your claim violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the claim of alleged debt owed be removed from all credit bureaus in 30 days of the XXXX.","date_sent_to_company":"2022-02-16T12:05:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"61801","tags":"Servicemember","has_narrative":true,"complaint_id":"5229709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Midstate Collection Solutions, Inc.","date_received":"2022-02-16T11:48:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If requested files cant be provided then your <em>claim</em> violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the <em>claim</em> of <em>alleged</em> <em>debt</em> owed be removed from all credit bureaus in 30 days of the XXXX."]},"sort":[17.895586,"5229709"]},{"_index":"complaint-public-v1","_id":"10059643","_score":17.89098,"_source":{"product":"Debt collection","complaint_what_happened":"VERIFICATION OF DEBT REQUEST RE : account number XXXX Alleged debt in the amount of {$11.00} Dear H & R Accounts, INC. After reviewing your dunning letter, I have some concerns about the validity of your reporting/request. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. Request is hereby made that H & R Accounts, INC. and XXXX XXXX XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. Accordingly, please provide me with a complete accounting of the alleged debt H & R Accounts, INC. claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to H & R Accounts, INC. for the alleged debt obligation which is the subject matter of this dispute. An itemized breakdown of what H & R Accounts, INC. claims the payment is owed for. Explain and provide me with the method utilized to calculate the amount in dispute. Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount H & R Accounts, INC I owe. Identify the current owner of the alleged debt. Identify and accurately describe any third-party costs for which H & R Accounts , INC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. Provide a statement showing the relationship H & R Accounts, INC has with XXXX XXXX XXXX, and advise how H & R Accounts, INC gained access to my private personal data without my exclusive written consent. Dated : XX/XX/year> XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-06T21:28:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"10059643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avadyne Health Holdings, Inc","date_received":"2024-09-06T21:11:56.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["VERIFICATION OF <em>DEBT</em> REQUEST RE : account number XXXX <em>Alleged</em> <em>debt</em> in the amount of {$11.00} Dear H & R Accounts, INC. After reviewing your dunning letter, I have some concerns about the validity of your reporting/request. This letter is being sent to you pursuant to the Fair <em>Debt</em> Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[17.89098,"10059643"]},{"_index":"complaint-public-v1","_id":"15931817","_score":17.786942,"_source":{"product":"Debt collection","complaint_what_happened":"MIDLAND CREDIT MANAGEMEN XXXX I, the undersigned, hereby declare that I am not liable for the alleged debts associated with the following accounts : XXXX  XXXX ( Account No. XXXX ), XXXX ( Account No. XXXX ), and XXXX XXXX ( Account No. XXXX ). I have no contractual relationship with the collections agency attempting to enforce these claims. No executed, agreed-upon, or approved documentation exists between myself and said agency establishing any obligation to remit payment or acknowledge indebtedness. Despite my requests, the agency has failed to produce any valid contract or verifiable proof of debt as required by law. Furthermore, the collections agency is illegally reporting this information to credit bureaus without lawful authority or jurisdiction, in violation of applicable regulations. Accordingly, I dispute the validity of these claims and assert that I am not legally obligated to satisfy any such alleged debts.","date_sent_to_company":"2025-09-14T17:00:41.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"33437","tags":null,"has_narrative":true,"complaint_id":"15931817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-09-14T16:56:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["MIDLAND CREDIT MANAGEMEN XXXX I, the undersigned, <em>hereby</em> declare that I am not liable for the <em>alleged</em> <em>debts</em> associated with the following accounts : XXXX  XXXX ( Account No. XXXX ), XXXX ( Account No. XXXX ), and XXXX XXXX ( Account No. XXXX ). I have no contractual relationship with the collections agency attempting to enforce these <em>claims</em>."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[17.786942,"15931817"]},{"_index":"complaint-public-v1","_id":"8557646","_score":17.78157,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR XXXX XXXX XXXX, I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE. \n\nACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY. \n\nI HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.\n\n2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.\n\nPURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. \n\nEXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT.","date_sent_to_company":"2024-03-15T20:34:46.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"30017","tags":null,"has_narrative":true,"complaint_id":"8557646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-03-15T20:34:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF <em>DISPUTE</em>, <em>DEBT</em> VALIDATION AND DEMAND DOCUMENTATION DEAR XXXX XXXX XXXX, I AM <em>DISPUTING</em> BOTH THE VALIDITY OF THE <em>ALLEGED</em> <em>DEBT</em> AND THE VALIDITY OF YOUR <em>CLAIMS</em>. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE."],"product":["<em>Debt</em> collection"]},"sort":[17.78157,"8557646"]},{"_index":"complaint-public-v1","_id":"8306030","_score":17.758232,"_source":{"product":"Debt collection","complaint_what_happened":"SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR CARTER-YOUNG INC , I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE.\n\nACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY.\n\nI HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.\n\n2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.\n\nPURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. \n\nEXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT. \n\nPLEASE BE ADVISED THAT I'M A FEDERALLY PROTECTED CONSUMER WHO KNOWS AND UNDERSTANDS HER RIGHTS AND IS WILLING TO GO TO THE FULLEST EXTENT.","date_sent_to_company":"2024-02-08T16:10:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"30038","tags":null,"has_narrative":true,"complaint_id":"8306030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carter-Young, Inc.","date_received":"2024-02-08T15:47:01.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["SUBJECT : NOTICE OF <em>DISPUTE</em>, <em>DEBT</em> VALIDATION AND DEMAND DOCUMENTATION DEAR CARTER-YOUNG INC , I AM <em>DISPUTING</em> BOTH THE VALIDITY OF THE <em>ALLEGED</em> <em>DEBT</em> AND THE VALIDITY OF YOUR <em>CLAIMS</em>. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE."],"product":["<em>Debt</em> collection"],"sub_product":["Medical <em>debt</em>"]},"sort":[17.758232,"8306030"]},{"_index":"complaint-public-v1","_id":"8557648","_score":17.732168,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR MIDLAND CREDIT MANAGEMENT, I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE. \n\nACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY. \n\nI HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE. \n\n2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.\n\nPURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. \n\nEXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT.","date_sent_to_company":"2024-03-15T20:34:41.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"30017","tags":null,"has_narrative":true,"complaint_id":"8557648","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-03-15T20:22:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF <em>DISPUTE</em>, <em>DEBT</em> VALIDATION AND DEMAND DOCUMENTATION DEAR MIDLAND CREDIT MANAGEMENT, I AM <em>DISPUTING</em> BOTH THE VALIDITY OF THE <em>ALLEGED</em> <em>DEBT</em> AND THE VALIDITY OF YOUR <em>CLAIMS</em>. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY."],"product":["<em>Debt</em> collection"]},"sort":[17.732168,"8557648"]},{"_index":"complaint-public-v1","_id":"20871473","_score":17.66273,"_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":["To Whom It May Concern, I am writing this complaint according to the <em>alleged</em> <em>debt</em> that National Enterprise Systems <em>claim</em> that I owe.\n\nPursuant to the Fair <em>Debt</em> Collection Practices Act, 15 U.S.C. 1692g ( b ), you are <em>hereby</em> notified that I <em>dispute</em> the validity of this <em>alleged</em> obligation and request full validation. Until such validation is provided, you must cease all collection activity."],"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":[17.66273,"20871473"]},{"_index":"complaint-public-v1","_id":"10213403","_score":17.63305,"_source":{"product":"Debt collection","complaint_what_happened":"I have contacted Ability Recovery Services numerous times without success, as the phone simply rings with no answer. Additionally, I sent a letter requesting debt validation and further information on XX/XX/year> XX/XX/year>. I never received a debt notice or the right to dispute it. This company is not adhering to the FDCPA regulations. I am documenting everything meticulously in case my consumer attorney needs to initiate litigation. Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt. \n\nPlease furnish legible copies of the following : XXXX. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt. \n\nXXXX. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required XXXX authorization. \n\nXXXX. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission XXXX XXXX Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the XXXX and Texas medical privacy rules XXXX I also hereby reserve the right to pursue civil action to recover damages.","date_sent_to_company":"2024-09-23T20:40:14.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"77706","tags":null,"has_narrative":true,"complaint_id":"10213403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ability Recovery Services, LLC","date_received":"2024-09-23T19:58:32.000Z","state":"TX","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":["Under the Fair <em>Debt</em> Collections Practices Act, I have the right to request a validation of the <em>debt</em> that you <em>allege</em> I owe. I am <em>hereby</em> formally requesting proof that I am indeed the correct party responsible to pay this <em>debt</em> and there is a contractual obligation which binds me to pay this <em>debt</em>. \n\nPlease furnish legible copies of the following : XXXX."],"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":[17.63305,"10213403"]},{"_index":"complaint-public-v1","_id":"11299622","_score":17.57061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 1. SEND ME A DETAILED LIST OF THE HISTORY OF PAYMENTS BY MYSELF 2. SHOW ME THE SIGNATURE ON THE CONTRACT BY MYSELF 3. SHOW ME ANY INSURANCE CLAIMS FILED ON THIS DEBT 4. CHAIN OF TITLE AUTHORIZING YOU TO COLLECT ON THIS DEBT","date_sent_to_company":"2024-12-27T18:07:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72209","tags":"Servicemember","has_narrative":true,"complaint_id":"11299622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-27T18:05:23.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["SHOW ME ANY INSURANCE <em>CLAIMS</em> FILED ON THIS <em>DEBT</em> 4. CHAIN OF TITLE AUTHORIZING YOU TO COLLECT ON THIS <em>DEBT</em>"]},"sort":[17.57061,"11299622"]},{"_index":"complaint-public-v1","_id":"15022116","_score":17.447704,"_source":{"product":"Debt collection","complaint_what_happened":"b'I am writing in regard to an account or collection claim appearing under the name [Creditor/Agency Name] which has either reported derogatory information to one or more consumer reporting agencies or has otherwise attempted to collect an alleged debt.\\nI hereby dispute the validity of this alleged debt and demand immediate verification of all claims, pursuant to:\\n\\nFair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\\nFair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692 et seq.\\nContract Law  Requirement of mutual agreement and signed obligation\\n\\nDebt Contract Request\\t\\nI have reached out 3 times for this creditor to provided me proof of contract.\\nI never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect payment with my consent it or delete this account. \\nLVNV FUNDINGXXXX XXXX","date_sent_to_company":"2025-08-02T21:39:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"19121","tags":null,"has_narrative":true,"complaint_id":"15022116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-08-02T21:27:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["b'I am writing in regard to an account or collection <em>claim</em> appearing under the name [Creditor/Agency Name] which has either reported derogatory information to one or more consumer reporting agencies or has otherwise attempted to collect an <em>alleged</em> <em>debt</em>.\\nI <em>hereby</em> <em>dispute</em> the validity of this <em>alleged</em> <em>debt</em> and demand immediate verification of all <em>claims</em>, pursuant to:\\n\\nFair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\\nFair <em>Debt</em> Collection Practices Act (FDCPA), 15 U.S.C.  1692 et seq."],"product":["<em>Debt</em> collection"]},"sort":[17.447704,"15022116"]},{"_index":"complaint-public-v1","_id":"9462142","_score":17.424206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$640.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. \n\nThis letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). \n\nI am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is hereby made that Jefferson Capital Systems , LLC and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. \n\nAccordingly, please provide me with a complete accounting of the alleged debt Jefferson Capital Systems , LLC claims I owe within XXXX ( XXXX ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Jefferson Capital Systems , LLC for the alleged debt obligation which is the subject matter of this dispute. \n\nAn itemized breakdown of what Jefferson Capital Systems , LLC claims the payment is owed for. \n\nExplain and provide me with the method utilized to calculate the amount in dispute. \n\nProvide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Jefferson Capital Systems , LLC I owe. \n\nIdentify the current owner of the alleged debt. \n\nIdentify and accurately describe any third-party costs for which Jefferson Capital Systems , LLC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. \n\nProvide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. \n\nProvide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. \n\nProvide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. \n\nProvide a statement showing the relationship Jefferson Capital Systems , LLC has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. \n\nDated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}","date_sent_to_company":"2024-07-09T20:28:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29625","tags":null,"has_narrative":true,"complaint_id":"9462142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-07-09T20:28:05.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>hereby</em> <em>disputing</em> this <em>alleged</em> <em>debt</em>, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. \n\nRequest is <em>hereby</em> made that Jefferson Capital Systems , LLC and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in <em>dispute</em>."]},"sort":[17.424206,"9462142"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3355,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3355}]}},"product":{"doc_count":3355,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt 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