Cavalry Investments, LLC

The company sued me in court to obtain a judgement against me. They then were granted a judgment with the specific amount allowed to collect with court fees added and XXXX % annum annually. This means legally they can add XXXX % interest to the full amount once a year if Im correct. The added this amount back in XXXX. I have been slowly working on my credit and then all of a sudden they added a random {$30.00} this month increasing the amount owed with no explanation. I disputed with credit bureaus but they say the new amount is correct? How is that? I want an explanation of where this extra {$30.00} added on to the balance came from that once again cared my credit to dip. If the annual interest was already added in XXXX then they have no legal right to add random amounts through the year as they please.

I am in receipt of the response submitted by Cavalry Portfolio Services , LLC. I formally dispute their conclusions and assert that their response fails to comply with federal law and does not meet the required standards for investigation or validation. First, Cavalry admits that validation of the alleged debt was not provided until after my CFPB complaint was filed. This is a critical failure. They continued reporting this account to the credit reporting agencies without first providing proper validation. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation of disputed information. Their claim that I did not previously dispute the account is irrelevant. Once a dispute is filedwhether directly or through the CFPBthey are legally obligated to conduct a thorough and reasonable investigation.…

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Calvary Portfolio is attempting to collect a debt on behalf of XXXX XXXX. I have sent them a certified letter requesting validation of this alleged acct and all payment history to validate the debt amount of {$2000.00}. I have received no response. They have fraudulently reported this invalidated debt to all three of my credit reports causing severe damage to my credit reports. I have proof of violations of the following laws, 15 USC 1681S-2 ( a ), 15 USC 1681s-2 ( b ), 15 USC 1681e ( b ), 15 USC 1681i ( a ), 15 USC 1692e ( FDCPA ), and 15 USC 1692f ( FDCPA ). I have proof thats the balance they have posted on my credit bureaus is false and incorrect.

I am submitting this complaint regarding Cavalry Portfolio Services , LLC and their failure to properly investigate and validate a disputed account. I previously sent a written dispute regarding an account they are reporting on my credit report. In response, XXXX sent letters dated XX/XX/year> and XX/XX/year>. In both letters, they stated that my dispute lacks specific facts and refused to conduct an investigation. Despite receiving my dispute, Cavalry has failed to provide any documentation validating the debt, including proof of the original creditor, account history, or evidence that I am legally obligated to pay this debt. Instead of conducting a reasonable investigation as required, they have repeatedly requested that I provide additional information while continuing to report the account. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, the burden of investigation and validation is on the furnisher of the information, not the consumer.…

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In XX/XX/XXXX, I made a payment of {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX the authorized collection agency for XXXX XXXX XXXX XXXX XXXX issued a written confirmation on XX/XX/XXXX stating that they received the payment and that XXXX XXXX XXXX accepted it and applied it to the account. Despite this, Cavalry Portfolio Services is reporting a {$6100.00} balance, a {$6100.00} pastdue amount, and no payment history. This is mathematically impossible based on the documented payment that XXXX accepted. Cavalry is reporting the full balance as if no payment ever occurred. Cavalry is also reporting an opened date of XX/XX/XXXX, even though XXXX was collecting on the account in early XXXX. This creates an ownership and timeline conflict. Cavalry has not provided verification, chain of title, or documentation showing how they calculated the reported balance. I disputed the account, but Cavalry did not correct the inaccurate information.…

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I am not liable for this debt if XXXX with cavalry portfolio service acct # XXXX. I do not have a contract with cavalry portfolio service. they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

On or around XXXX of 2025, I sent XXXX XXXX XXXX debt validation letter ask the creditor to validate a debt they claim belongs to me It has been over 60 days and the credit did not validate the debt as requested, and required by law, Instead the creditor sold the debt to a debt buyer called CALVARY PORTFOLIO, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after noticing this unverified account on my consumer report recently, I also sent CALVARY PORTFOLIO a debt validation letter. Please see attachment ; Both XXXX XXXX and CALVARY PORTFOLIO is knowing in violation of federal law, Violation, 807 ( 2 ) ( a ), 808, 15U.S.C, 1692f

I am filing a formal complaint regarding an inaccurate collection account being reported under the name Cavalry Portfolio SE in the amount of {$8000.00}, last reported on XX/XX/2026. I have previously disputed this account because I do not believe the information being reported is accurate or properly verified. During my dispute, I specifically requested that the collection agency provide documentation verifying that I am legally responsible for this alleged debt. I asked for a copy of the original contract agreement bearing my signature and any documentation proving the transfer or assignment of the debt to their company. To date, the company has failed to provide any contract, signed agreement, or validating documentation that proves I entered into a binding agreement or that they have the legal authority to collect this debt from me.

On XX/XX/XXXX my purse was stolen from a gym locker in XXXX XXXX XXXX ( Police Report XXXX ). My wallet and ID were taken. A fraudulent credit account was subsequently opened with XXXX XXXX using my stolen identity. I disputed the account with XXXX XXXX and submitted a signed, notarized Affidavit of Fraud on XX/XX/XXXX along with my police report. XXXX XXXX failed to close the account and instead sold the debt to Cavalry Portfolio Services. XXXX is now reporting a {$10000.00} collection account on my credit report opened XX/XX/XXXX more than XXXX years after the theft and over a year after my fraud affidavit was submitted. I sent Cavalry a certified debt validation letter disputing this fraudulent debt and requesting removal from my credit reports. They have not responded or removed the account. I am not liable for this debt. This account is the direct result of identity theft.

Sent letter to CAVALRY PORTFOLIO SVCS ( XXXX XXXX Debt ) XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Via Certified Mail, Return Receipt Requested RE : Demand for Debt Validation Balance : {$1500.00} Received no response. To Cavalry ( separate validation letter under 1692g ) : " This is a request for validation under 15 U.S.C. 1692g ( b ). I dispute this debt in its entirety. Provide within 30 days : ( XXXX ) the original signed contract with XXXX XXXX, ( XXXX ) complete chain of title under UCC 3-203 showing valid assignment from XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) itemized accounting of the alleged {$1500.00} balance, ( XXXX ) proof of your license to collect debt in Texas, and ( XXXX ) verification that this debt is not time-barred. Cease all reporting to credit bureaus under 15 U.S.C. 1692g ( b ) until validation is provided. ''

I owed a XXXX credit card XXXX ending XXXX. The XXXX XXXX group settled the account for XXXX it was XXXX. I paid all the settlement off XX/XX/XXXX. They show paid in full and XXXX provided all proof of payment to a company trying to collect XXXX. Im not sure where they got the amount they starting sending harrassing letters after all this time over debt I dont now. Its in red on my credit report. I finished payments in XXXX. The company that represents me is now XXXX XXXX advisors and XXXX XXXX XXXX. I paid it to XXXX XXXX XXXX through XXXX. Calvary Portfolio needs to take off this collection off of my credit reports stop phone calls and mail correspondence. I have additional proof, phone numbers email addresses. Thanks XXXX XXXX XXXX.

This document is a detailed complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX, a XXXX XXXX XXXX, against Cavalry SPV I , LLC ( a debt collector ) and XXXX XXXX XXXX, XXXX ( a debt collection law firm ). The complaint outlines allegations of violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempts to collect on a fraudulent, void, and dormant judgment, filing invalid garnishments, misrepresenting the enforceability of the judgment, and causing financial harm by strategically disclosing a lien to sabotage a {$43000.00} HELOC loan. The complainant requests the CFPB to investigate the companies, cease collection activities, verify the alleged debt, impose penalties, and provide compensation for financial losses. Supporting documents and filing instructions are included.

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection and urgently request their immediate removal to prevent any further harm to my financial well being I am requesting that these fraudulent accounts be removed from my credit report as soon as possible

I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue, I recently discovered XXXX or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

This company is violating my rights. It has been 30 days and they have no provided validated information. Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my credit report. 15 U.S.C. SS 1692g ( b ) of the FDCPA requires debit collectors to cease collection activities and provide proper validation of the debt within 30 days of initial contact. These accounts are not 100 % accurate. Until I am provided competent evidence that validates the debt including a signed agreement, and full account history, you MUST cease all collection efforts and remove this information from my credit report. Please review this immediately. ONCE A VEHICLE IS SOLD AT AUCTION I NO LONGER OWE THE ORIGINAL DEBT.. I look forward to this matter being resolved as soon as possible as this is taking a toll on my life.

On my XXXX XXXX XXXX living space they have on my report as a collection/charge off which is listed as closed cause they closed the account. On my XXXX they only have it listed as a charged off which is false information. XXXX bank passed my information off to a company I never done business with, I have no contract or business with this 3rd party company named Cavalry Protfolio Service LLC a debt collector. Under 15 USC 1692c is a section of the US Code RESTRICTS creditors from communicating with you upon your written cease and desist letter.

I was a client of the XXXX XXXX group and The XXXX XXXX XXXX in Massachusetts. They handled my debt settlement for me from XXXX. I finished the program and am now being sued for XXXX of the credit cards they supposedly settled for me. I have a copy of what the original credit card company sent me to settle while working with this agency. XXXX had a cease and desist in the state of XXXX and is no longer in business. I can not contact them to get answers since they are not in business anymore. They were working in Connecticut without a license. They did make XXXX payments to the XXXX party debt collector that has now filed a lawsuit against me for the difference of the full amount. I want to know if I have any recourse since this XXXX company had no license and did deceptive things.

I received notification of a debt in collection on my credit report for Calvary. I never received any notifcation that a debt was owed to them or they owed this debt. It just showed up on my credit report. Upon research I discovered it was a debt from XXXXXXXX XXXX. The debt was previously bought by XXXX XXXX XXXX a few years ago. I made a payment arrangment with XXXX XXXX XXXX, payment arrangements were set up and I was paying them. I believed the debt was paid off. I contacted XXXX XXXX about this and they said I needed to contact XXXXXXXX XXXX and would not explain any further. I contacted XXXX XXXX and they had no record of my debt being with XXXX XXXX, but according to XXXX XXXX, they did have the debt but had no further information to give me on updates and I need to Contact XXXX XXXX had no access to any of my information or history with them. If there were more payments that needed to made with them - I was never informed of that.…

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Cavalry Portfolio Services , LLC Customer Relations Department XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Re : Account # : XXXX To the Customer Relations Department : I am writing in response to your correspondence dated XX/XX/year>, regarding the above-referenced account. On XX/XX/year>, I sent a written dispute to your company pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that letter, I requested that you provide proper validation of the alleged debt, including proof that I owe this debt and that your company has the legal right to collect it. To date, you have failed to provide any meaningful validation. Instead, you sent me a letter on XX/XX/year>, which merely acknowledged my dispute and stated that you had " reviewed the dispute and verified the information.…

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To Whom It May Concern, I am submitting this complaint against CAVALRY PORTFOLIO for failure to properly investigate my dispute, making false statements regarding my account, and engaging in harassing conduct. Despite multiple attempts to resolve this matter directly, the company has failed to correct its errors and continues to cause me harm. 1. Failure to Investigate Under the Fair Credit Reporting Act ( FCRA ) and/or applicable consumer protection laws, the company is required to conduct a reasonable investigation upon receiving a dispute. The company failed to conduct a proper investigation and instead responded with a generic or automated reply, without addressing the specific evidence I provided. The company did not : Review the documentation I submitted Provide evidence supporting its claims Correct inaccurate information Explain the basis for its determination This constitutes a failure to conduct a reasonable investigation. 2.…

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I am filing this complaint regarding a collection agency that is attempting to collect on an alleged debt that has been sold to them. The company has sent text communications to my phone and is attempting to collect, yet I have not been provided with proper written validation of this debt. Because this account was purchased from another company, I am formally requesting full debt validation and proof of ownership. To date, I have not received : A copy of the original signed agreement or contract with the original creditor. Documentation showing the full chain of title from the original creditor to the current collector. A complete payment history showing how the amount being claimed was calculated. Proof that the company is legally authorized to collect this debt in my state.

I am disputing a collection account reported by Cavalry Portfolio Services. According to Cavalrys prior written response, the underlying Capital One account was charged off on XX/XX/XXXX and allegedly acquired by a Cavalry affiliate on XX/XX/XXXX. Cavalry further stated that a judgment was entered on XX/XX/XXXX in the amount of {$10000.00} plus costs and post-judgment interest. However, the consumer reporting agencies are currently reporting a balance of {$11000.00}. Cavalry has not provided : A certified copy of the judgment An itemized calculation showing how {$10000.00} became {$11000.00} A complete chain of title from the original creditor A bill of sale identifying this specific account The original signed agreement Documentation confirming the Date of First Delinquency Proof of lawful authority to report the account post-judgment If a judgment exists, the reporting must accurately reflect the legal status and balance of that judgment.…

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If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, THE BUREAUS, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g. However, there is one way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within 5 days of the account getting furnished ).…

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[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Ny XXXX ] [ XX/XX/year> ] [ cavalry portfolio serv ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX CT XXXX ] RE : Account Number [ XXXX ] To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Be advised that this is a formal demand for validation, not a mere verification of my identity. To satisfy your legal burden of proof, you are required to provide the following : Itemized Proof of Debt : A complete breakdown of the alleged debt, including the original principal, and an itemized list of all interest, late fees, and collection charges added. The Original Agreement : A copy of the signed contract or agreement between myself and the original creditor.…

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Complaint Against : Cavalry Portfolio Services {$520.00} Complaint Type : Incorrect information on credit report / Request for removal Complaint Description : I am filing this complaint regarding inaccurate and unverified collection accounts being reported on my consumer credit reports by Cavalry Portfolio Services. Cavalry Portfolio Services is reporting a collection account in the amount of {$520.00}. I have disputed these accounts with the credit reporting agencies ; however, the accounts continue to be reported without proper validation. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification and validation of any alleged debt.…

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Requesting Validation from XXXX XXXX In XX/XX/year>, after my divorce, I decided to get my credit on track and began addressing my financial situation. I settled several accounts that were negatively impacting my credit and resolved those that required settlement. From the outset, I sent letters to XXXX XXXX in XX/XX/year> requesting validation and information about the account that appeared on my credit report. I have continued to dispute the account with the credit bureaus and requested information on how they validated the account. To date, I have not received any response from any partythe credit bureaus or XXXX XXXX. I completed my disputes today and have sent them again while I was submitting this complaint. The reason for this action is that I have never received a letter validating this account. I have not changed my address, so if I am not receiving correspondence, it suggests that XXXX XXXX is not sending me any validation documents.…

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I disputed inaccurate credit reporting with XXXX regarding XXXX XXXX and Cavalry Portfolio Services. XXXX claims the accounts were verified as accurate, but failed to provide any description of how the verification was conducted. I am requesting : Proof of verification Documentation used Compliance with FCRA 611 Despite my dispute, inaccurate and unvalidated information continues to be reported, harming my credit profile.

In XXXX of XXXX, I have received a notice of garnishment about a XXXX debt that I have never heard of, a court judgement not of my acknowledgement and they sent my employment a letter garnish wages. This seems to me a fraud of identity theft! How can you send something from over XXXX years ago that have no clue of nor I owed anyone of that time!!

This complaint is being submitted to formally document and address ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by Calvary Portfolio Services. Despite multiple written disputes and debt validation requests, Calvary Portfolio Services has failed to provide legally required verification of the alleged debt referenced in this complaint. Nevertheless, they have continued to report this account to consumer reporting agencies. All supporting documentation is attached, including copies of all correspondence sent to Calvary Portfolio Services, along with XXXX XXXX Mail tracking numbers where applicable. These documents demonstrate my good-faith efforts to resolve this matter directly and Calvary Portfolio Services continued noncompliance. I respectfully request that the CFPB investigate this matter and require Calvary Portfolio Services to comply with all applicable federal consumer protection laws.…

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