CAVALRY INVESTMENTS, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 128XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • FL
  • XXXXX
Web Servicemember
Partial sample letter sent to first Judge. I'm a 100 % service connected veteran with no assets. They look up my dads info and assume its me. I still Have a court appearance on XX/XX/XXXX. They don't have an original contract that they will let me see. They purchased the debt as a bulk purchase and informed me at mediation that the debt was a continuation of the original contract. That contract would have the terms in it that would allow them to purchase the debt or hire a representative on the original company 's behalf. It would also have my signature on it. They can not produce this document or a full original accounting of the alleged account from conception to current. They even discussed my dads assets as if they were mine. They have hired a group of attorneys in XXXX that are perusing very hard. This isn't even the state where the Alleged debt was conceived. ( California ) Plus I live in XXXX county and they are suing me in XXXX. When my dad was served I was in XXXX XXXX living. They don't even know who they are suing. They just want money. Letter 1 Dear Judge I AM ( My Name ), contacting you about the above mentioned to request that the Motion for Clerks Default filed by Cavalry through XXXX, XXXX, XXXX XXXX XXXX , XXXX, be vacated on my behalf for the following reasons : 1 ) The collection agency never responded to my request for validation, therefore never providing proof that the debt was mine under the FDCPA. I had made many calls and left many messages to XXXX, XXXX, XXXX XXXX XXXX in XX/XX/XXXX before being able to speak with anyone. After being passed from person to person on the phone, no one could provide a copy of the written agreement that created the original requirement to pay the alleged debt, nor could they produce a signature so that I could verify or not whether the alleged debt account was even opened by me or someone else. 2 ) After considerable research on XXXX, XXXX, XXXX XXXX XXXX and Cavalry, it seems that these companies purchase stale debt and try to collect on that debt often violating the law and in this case, violating many laws, including harassing family members, sending wrongful summons and disrespecting personal privacy even when they can not validate the alleged debt. 3 ) Several months after the aforementioned phone conversation, on XX/XX/XXXX, ( My Dads Name ), my father, was served summons papers at his home address, DAD 's Address, XXXX XXXX FL XXXX, concerning the alleged debt that had been discussed with me, thereby, violating my privacy about such matters that can not be verified or validated. My father and mother live alone. ( Dads Name ), my father, called the Sheriffs office after realizing that the summons did not belong to him and he also emailed the Clerk of Court in XXXX to make this statement about the wrongful summons. 4 ) I AM a 100 % Service Connected XXXX Veteran who lives in a RV with my wife who is also a XXXX veteran. We have been staying in XXXX, XXXX, XXXX and XXXX with family since before the hurricane and mandatory evacuations and were not in the area when the wrongful summons were served. 5 ) XX/XX/XXXX, ( Dads Name ), my father, again, received a Motion for Clerks Default concerning the exact same wrongful summons that was sent in XX/XX/XXXX even though he had sent a letter confirming that he was not the person the wrongful summons addresses. I have returned recently for the winter and my father has made me privy to the wrongful summons and unsubstantiated motion for default that keeps being given to him after my conversation with the firm originally accusing me of the alleged debt and asking me about my fathers assets and properties at the same time and never verifying the alleged debt for me, nor ever serving me personally and yet continuing to harass and wrongfully summons my father and they are continuing to give my alleged information to third parties by doing so. More research online reveals that this firm has many complaints filed against them with the Consumer Financial Protection Bureau and the XXXX with complaints similar in nature to what me and my family have been experiencing. Given the violation of laws committed by this questionable company, I AM requesting your consideration in vacating the motion to default and having the information removed from all 3 credit bureaus so that neither my father, nor myself are harassed by their unethical practices based on unsubstantiated claims for either of us. Attached documents include my fathers response statement to the first wrongful summons, my social security card and birth certificate, as well as my VA information. Please feel free to contact me at your convenience if I can be of further assistance in this matter. Thank you for your time and consideration. Sincerely, ( My Name ) Letter 2 Dear Judge In response to your Order at the Case Hearing on XX/XX/XXXX, I have attached an answer to the Complaint, including all defenses, Motion to Dismiss and Request For Judicial Notice with Standard on Motion to Dismiss, Argument In Support of Dismissing Amended Complaint, Covering All Four Corners of the Complaint, Requesting that this claim be Dismissed With Prejudice. Furthermore, the Plaintiffs Exhibits are insufficient and incomplete and do not establish a contractual relationship since the material terms are missing. A fair reading of the Complaint shows that a purely contractual dispute has arisen between Plaintiff and Defendant and that the assertion of new claim for unjust enrichment, money lent and open account have nothing to do legally or factually with original claims. I have requested to see a copy of the Verifiable, Validated Proof-an original Consumer Contract with a wet-ink Signature on it as is my Right according to the Fair Credit Reporting Act, Section 609. Under FCRA, Unverified, Invalid accounts must be removed and the law is very clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if companies, like the Plaintiff, Cavalry SPV I LLC fail to comply with Federal Law. As, per our previous correspondence, this company has violated Civil Liberties stated under the FCRA and FDCPA by ignoring my request for proper validation of the original contract and approval letter of the alleged debt with a wet-ink signature for material terms that would be the only basis for cause of action and pursuing court action without material evidence, harassing my father and family with unlawful summons sent to the wrong address and third party sharing of someones information and not really knowing who they are filing suit against, as we witnessed in the XX/XX/XXXX Hearing in your Chamber. In addition, more harassing correspondence was sent to my Father after the Hearing on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 separate packages, all 3 containing the exact documents, were sent to my Fathers house, again, and were all addressed to HIM! Given the absence of validated original contract and signature which shows that Cavalry has no cause to action, and the fact that Cavalry continued to violate Civil Rights of both myself and my Father after they discovered that my Father has assets and that I do not, by harassing my Father, sending wrongful summons, continuing to send multiple packages of the same information in stacks of paper that overwhelmed my Father and third party sharing of alleged debt collection information, I am respectfully requesting that the court dismiss this case and have the negative unverifiable information removed from all three credit bureaus. Letter 3 Dear Judge ( Different Judge ) I AM objecting to the Plaintiffs motion for telephonic appearance at Mediation based on the matter of principle, as the Plaintiffs reasons for requesting a telephonic appearance due to a burdensome and financial hardship because of their location is false since the Plaintiff does have local counsel as the Court witnessed by the Physical Presence of the Plaintiffs local representative who made a personal appearance on XX/XX/XXXX at the Case Management Conference concerning this matter and furthermore, the Plaintiff has never provided me, nor their representative at the Case Management Conference on XX/XX/XXXX, a Verifiable, Validated Proof of an Original Consumer Contract with a wet -ink Signature, as is my Right according to the Fair Credit Reporting Act, Section 609. In addition, I have been sued for a frivolous, Non-Verifiable, Non-Validated matter and false allegations have been made about my character ( or my Fathers, as the Plaintiff has never made it clear as to whom they are intending to file suit for this alleged debt and even the Counsel hired to represent the Plaintiff on XX/XX/XXXX was not sure, either ). Therefore, I deserve the right to confront my accusers, or at least their council in person in Mediation. As you are well aware, there is an industry of law firms that have made it their business model to sue the more underprivileged and often elderly members of society ( I AM a XXXX XXXX XXXX Veteran ) and they thrive because they know and Federal government research shows that 97 % of the defendants will not even respond to the summons, ( especially if they do not receive it because it was sent to the wrong address or a family members home, as in my case ). These Companies and some Law Firms completely live off the inaction of the unaware, defenseless consumer. This industry has made a mockery of the Courts by overwhelming their resources with thousands of extra suits, blatantly false affidavits and purported evidence and the knowledge that they will be given the benefit of the doubt because they have passed the bar and are " lawyers ''. I have the right to confront my accuser in person or at the very least their counsel in person and do object to their appearance by telephone. Judge ( Name ) had requested that I write a response to the Complaint, which is attached for your immediate perusal, written on XX/XX/XXXX : In response to your Order at the Case Hearing on XX/XX/XXXX, I have attached an answer to the Complaint, including all defenses, Motion to Dismiss and Request For Judicial Notice with Standard on Motion to Dismiss, Argument In Support of Dismissing Amended Complaint, Covering All Four Corners of the Complaint, Requesting that this claim be Dismissed With Prejudice. Furthermore, the Plaintiffs Exhibits are insufficient and incomplete and do not establish a contractual relationship since the material terms are missing. A fair reading of the Complaint shows that a purely contractual dispute has arisen between Plaintiff and Defendant and that the assertion of new claim for unjust enrichment, money lent and open account have nothing to do legally or factually with original claims. I have requested to see a copy of the Verifiable, Validated Proof of an original Consumer Contract with a wet-ink Signature on it as is my Right according to the Fair Credit Reporting Act, Section 609, since my first communication with Cavalry. Under FCRA, Unverified, Invalid accounts must be removed and the law is very clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if companies, like the Plaintiff, Cavalry SPV I LLC, fail to comply with Federal Law. As, per our previous correspondence, this company has violated Civil Liberties stated under the FCRA and FDCPA by ignoring my request for proper validation of the original contract and approval letter of the alleged debt with a wet-ink signature for material terms that would be the only basis for cause of action and pursuing court action without material evidence, harassing my father and family with unlawful summons sent to the wrong address and third party sharing of someones information and not really knowing who they are filing suit against, as we witnessed in the XX/XX/XXXX Hearing in your Chamber. In addition, more harassing correspondence was sent to my Father after the Hearing on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 separate packages, all 3 containing the exact documents, were sent to my Fathers house, again and again, and were all addressed to HIM! Given the absence of a Validated Original Contract and Signature which shows that Cavalry has no cause to action, and the fact that Cavalry continued to violate Civil Rights of both myself and my Father after they discovered that my Father has assets and that I do not, by harassing my Father, sending wrongful summons, continuing to send multiple packages of the same information in stacks of paper that overwhelmed my XXXX year old sick Father and third party sharing of alleged debt collection information, as well as falsely creating a cause to action without material conditions, I AM Respectfully Requesting that the Court Dismiss this Case and have the negative Unverifiable information Removed from all three credit bureaus on my Credit Report. If the Judge sees fit to add any relief on my behalf deemed just, such as the application of negligent noncompliance and more, please feel free to do so. Thank You. Respectfully, MY Name
05/24/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07306
Web
Calvary Portf olio Services is attempt ing to collect a fee from me that I do not owe them, here is my letter, and is attached as PDF, Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , new jersey state ZIP EXEMPT [ near XXXX ] CALVARY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX , XXXX XXXX XXXX NY XXXX XXXX XXXX RE : Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDC PA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus XXXX XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which Calvary puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFULCONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by anylawto which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being eitherartificialLegal Entity and artificial Legal Entity, orliving Man/Woman and living Man/Woman, allowing more than two parties butnevera mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosureis the act of providing all material information, or telling the whole truth, about anymatterwhich may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration Theconsiderationis something of valu e possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must eachreceive a benefitand eachsuffer a detriment.To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds Ameeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. Thismeeting of mindscan only occur between like kinds, beingLegal Entity with Legal Entity, orMan/Woman with Man/Woman.A corporation and another corporation may enter into contract by way ofaccommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet inksignaturesof the parties, each wet inksignaturebeing anaccommodationfrom a Man/Woman. Written contracts between living Men/Women must carry the wet inkautographsof the parties, and/or living identification such as a thumbprint. Livingstandingis recognised by a thumbprint, or more often by anunambiguous declarationwith theautograph, such asauthorised agentwritten below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX cc Federal Trade Commission
09/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18702
Web
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. The following are the federal laws that they broke. XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 5 U.S. Code 552a - Records maintained on individuals
09/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MI
  • 480XX
Web
I opened a credit card with XXXX on XXXX with a credit limit of {$1600.00}. XXXX - I made my first purchase - {$720.00} XXXX - I received my first statement - They had charged me an additional {$9.00} for a personal protection plan I had not sign up for. Minimum Balance Due : {$15.00} XXXX - I was charged {$1.00} for an Identity Plan that I did not sign up for. XXXX - I called XXXX - spoke with XXXX and disputed the {$9.00} and {$1.00} charge. She said they would credit the next statement. Cancelled future plan. XXXX - I made a payment of {$37.00}. XXXX - I was charged a {$15.00} Check By Phone Fee XXXX - I received my 2nd statement - There was XXXX credit, and I was charged an additional {$9.00} for the same Personal Account Protection Plan. XXXX - I was charged another {$1.00} Identity Plan Charge. XXXX - I called and disputed {$36.00} in charges I did not sign up for. XXXX - I paid {$24.00} towards the account. XXXX - Received 3rd Statement - Was charged {$9.00} for Personal Account Protection and {$9.00} for ID Plan. XXXX - Called and Disputed all charges totaling - {$56.00} XXXX - Made {$20.00} payment XXXX - Received 4th Statement - Was charged {$9.00} for Personal Account Protection Plan XXXX - Was charged another {$9.00} for ID Plan. XXXX - Called and Disputed all charges totaling - {$75.00} XXXX - Paid {$15.00} XXXX - Received 5th Statement - Was charged {$9.00} for Identity Plan XXXX - Was charged {$9.00} for Personal Account Protection Plan and {$9.00} Finance Charge. XXXX - Called and Disputed all charges totaling - {$100.00} ( Conf # XXXX ) XXXX - Paid {$17.00} XXXX - Received 6th Statement - The statement showed that on XX/XX/XXXX they credited an Identity Plan - {$9.00} and XXXX Finance Charge Credit. But they charged me an additional {$6.00} on XXXX for a Previous Cycle Premium, {$6.00} for another Personal Account Protection and {$8.00} Finance Charge. XXXX - I called and disputed all over charges totaling - {$110.00} XXXX - Made a payment - {$28.00} XXXX - Received 7th Statement - Was charged {$6.00} for Personal Account Protection and {$8.00} Finance Charge XXXX - Called to Dispute all charged totaling - {$130.00} - Balance should be {$710.00} XXXX - Made my 2nd purchase on Credit Card - {$450.00} for a XXXX gaming system and {$78.00} for replacement plan for it, which balance should have been {$1200.00}. XXXX - Made {$20.00} payment. XXXX - Received 8th Statement - Was charged {$11.00} for Personal Account Protection Plan and {$12.00} Finance Charge XXXX - Called and disputed all charges now totaling - {$150.00} XXXX - Made {$25.00} payment XXXX - Received 9th Statement - Was charged {$11.00} for Personal Account Protection and {$13.00} Finance Charge XXXX - Called and disputed all charges now totaling - {$180.00} My balance at this time I show as {$1000.00}, but because of ALL the fraudulent they charged, they show my balance as {$1200.00} XXXX - XXXX dropped my credit card limit from {$1600.00} to {$1300.00}. The letter I have says the following reason : We recently completed a loss mitigation review on our XXXX XXXX XXXX ( R ) Mastercard ( R ) accounts. As a result of the class of accounts into which your Account fell, the credit limit on your XXXX XXXX XXXX ( R ) Mastercard ( R ) Account has been reduced to {$1300.00} XXXX - I received my 10th Statement. On this statement they show on XXXX They charged me a {$39.00} Late Fee for my Payment I made on XXXX - I made a payment of {$49.00} XXXX - Charged me {$12.00} for Personal Account Protection Plan and {$13.00} Finance Charge. XXXX - Called and Disputed my Entire Credit Card ( dropping my credit Limit, the late Fee, and all the Protection Plan and ID Charges totaling - {$240.00}. I told the representative that I will not be making another payment until all these charges are credited, and my account reflected my actual amount owed. She told me she would look into the matter. XXXX - Received XXXX Statement. My balance was not changed, and I was charged again {$12.00} for Personal Account Protection, {$39.00} for a late fee, and {$14.00} Finance Charge. XXXX - Called and disputed additional charges, which not equaled {$310.00}, and was told again that the issue would be looked into. XXXX - I received 12th Statement. My balance had not changed, and not only did they charge me {$39.00} Late Fee, {$13.00} Personal Account Protection Plan, {$18.00} Finance Charge, but now they charged me an over the limit Fee on XXXX of {$39.00}. XXXX - I was livid. I called and complained for the last time. I wanted what was now {$420.00} in bogus charges removed. The representative told me again that the issue would be dealt with. XXXX - I made my last payment to XXXX in the amount of {$56.00}. I called the payment in, and told the representative that this would be my final payment unless my next statement was corrected. XXXX - I received 13th Statement, and not only did they charge me {$39.00} on XX/XX/XXXX for Overlimit Fee, {$14.00} Personal Account Protection, {$19.00} Finance Charge, but {$15.00} Check By Phone Fee AGAIN! XXXX - I called for the Last Time. If my account was not credited {$500.00} for all the disputed and what I felt, unlawful fees that had charged over the past year, I was DONE! XXXX - I received the 14th Statement, and had been charged {$39.00} pm XXXX for Overlimit Fee, {$14.00} Personal Account Protection, and {$22.00} Finance Charge. XXXX - I received the 15th Statement, and had been charge {$15.00} Personal Account Protection and {$19.00} Finance Charge. No late fees or overlimit fees. XXXX - I received 16th Statement, and was only charge {$20.00} Finance Charge. XXXX - I received 17th Statement, and was charge {$23.00} Finance Charge. XXXX - I received 18th Statement, and was charge {$20.00} Finance Charge. XXXX - I received the 19th and Last Statement from XXXX, and was charge {$21.00} Finance Charge. All Disputed charges totaling {$700.00} XXXX - I received a Request and Writ for Garnishment for XXXX Bank from their attorney, XXXX XXXX, in the amount of {$1900.00}. I wrote to the court and disputed all actions taken by Cavalry SPV/ Assignee of XXXX Bank Nevada . I was never served with a summons, and I felt the judgement unfair. Didn't matter. And I have had this judgement hanging over my head for years. I have been XXXX since XXXX, and the years I receive the same Request and Writ for Garnishment ( Income Tax Refund/Credit ), they are unable to collect. XXXX - A man named XXXX XXXX, showed up at my door, showed me a badge, said he was the XXXX XXXX XXXXherrif 's department, and handed me a Report of Collection Activity under Order to Seize Property. He said that if I didn't pay {$600.00}, he would have a wrecker come and pick up my XXXX XXXX XXXX. He ended up accepting {$400.00} cash, and had me sign the form, giving me a copy. At the bottom of the page, in his writing, it says : I agree to pay XXXX XXXX / Cavalry SPVL XXXX {$100.00} monthly starting XX/XX/XXXX and by the XXXX of each month thereafter until the debt has been paid in full. I have no idea what the full amount is, and I called his number XXXX to ask on XXXX, XXXX, and XXXX. I received no phone call back. Today, XXXX, I called his number again. He answered. Didn't give me the full amount, but gave me the address on where to send the {$100.00} payments. I don't know what to do. I have been disputing everything that has to do with XXXX for over 11 years now, and I just want it to be over. I don't know if I should just start paying something I don't owe, but now have a judgement against me for, and I am scared to call the XXXX XXXX / Cavalry SPVL XXXX number XXXX because I feel that any amount I pay will all be for nothing, and I will end up owing these people for the rest of my life. If you can, please help me.
12/15/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 700XX
Web
Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by CAVALRY PORTFOLIO SERVICE. In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report. Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( CAVALRY PORTFOLIO SERVICE ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act. Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from CAVALRY PORTFOLIO SERVICE. As a violation of 15 USC 6802- you ( CAVALRY PORTFOLIO SERVICE ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. You ( CAVALRY PORTFOLIO SERVICE ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( CAVALRY PORTFOLIO SERVICE ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
03/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33331
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XX/XX/XXXX XXXX XX/XX/XXXXXXXX and XX/XX/XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XX/XX/XXXXConsumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. Cavalry Portfolio Services bal. {$890.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
11/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30115
Web Older American
In XX/XX/XXXX, I filed complaints ( XXXX and XXXX ) against the parties described in the narrative below. In XX/XX/XXXX, I received a response from your office providing responses from the parties. Having read the responses provided by the parties, I submitted feedback later in XX/XX/XXXX, believing the feedback would be reviewed by you and additional action taken to address my ongoing concerns. When I failed to hear anything further from you, I followed up with a phone call last week only to be told I had to file a new complaint. Please see the following which chronicles my ongoing dispute with these parties and please assist me in resolving this matter. Thank you. XXXX XXXX XXXX ======================================================== XX/XX/XXXX Please treat this as my response to the responses provided to my complaint to you by both Calvary SPV1, LLC and to their Attorney XXXX XXXXXXXX XXXX. First, I am further disputing Calvary 's response, particularly the chronology of events and, more adamantly, because I NEVER received any of the communication to which Calvary alludes. The only communication I received from Calvary in relation to this debt was a letter dated XX/XX/XXXX, which appeared threatening and in violation of the FDCPA notification requirements. As such, I immediately responded to them to dispute the debt and to raise concerns about the content of the communication. Please see attached. I heard nothing further from Calvary in response to my dispute. It is only in early XX/XX/XXXX I became aware that a lien was filed against my property as a result of the debt Calvary claims I owe, but still has not been able to conclusively establish. Further, the sequence of events Calvary describes in their current response defies logic ; for example, Calvary states " On or about XX/XX/XXXX, the law firm filed a lawsuit regarding Mr. XXXX 's account '', then Calvary goes on to claim the lawsuit was served on XX/XX/XXXX and that the court entered judgment " On or about XX/XX/XXXX '' further claiming that " Following the entry of the judgment, on XX/XX/XXXX, a Writ of Fieri Facias '' was issued ... '' Please pay close attention to these dates, which are all over the place and clearly demonstrate the sequence of events could not have occurred as described. Again, Calvary made no reference to having sent me this XX/XX/XXXX letter, but alluded to having received communication from me on or about XX/XX/XXXX disputing the debt. Calvary claims that upon receipt of this letter they " ceased collections on the account, initiated a review of the account, verified the information provided to the credit reporting agencies and confirmed the information provided to the credit reporting agencies ' reflects the dispute. '' Calvary also claims that " Pursuant to the requirements set forth in the FCRA, Calvary responded to Mr. XXXX 's dispute in writing. '' Please note Calvary DOES NOT state when exactly they supposedly " responded '' to me and I have no record of having received any response from Calvary in response to the dispute I sent to them in XX/XX/XXXX. What is even more confusing is that in the very next paragraph of Calvary 's response, they go on to say that " In response to the validation request, Calvary initiated its validation process. On or about XX/XX/XXXX, XXXX mailed validation of the debt to Mr. XXXX ... '' I received no such information from Calvary and this claimed action also also begs a few questions. For instance, Calvary states they first initiated " a review of the account ... '' mainly to verify information reported to the " credit reporting agencies '' then Calvary, in the very next paragraph of their response claims to have initiated its " validation process '', but unlike describing the specific actions taken in their " review '' of the account, Calvary provides no information about this " validation process '' except to say that " On or about XX/XX/XXXX, Calvary mailed validation of the debt to Mr . XXXX. '' First, I again dispute having received ANY such communication from Calvary. Second, it seems unrealistic and illogical that Calvary could have obtained from the original Creditor, XXXX, concrete validation of the debt I allegedly owned on the same day ( XX/XX/XXXX ) Calvary received my dispute and that they would have been able to send me that information the very day. To date, I have NEVER received any actual/concrete proof from either Calvary or their Attorney,, XXXX XXXX XXXX. All I have been able to obtain so far are billing statements in my name claiming I owe a debt but despite disputing the debt more than once I have NEVER received anything, e.g. signature receipts/statements, etc., that I actually incurred the debt. Finally, I would like to address Attorney XXXX XXXX XXXX 's response that also contradicts the timeline Calvary outlines in their response. I am disputing his statement that he first sent me a letter on XX/XX/XXXX. I absolutely did not receive such a letter. Had I received it, I would have immediately responded in the same manner that I responded to Calvary 's letter to me of XX/XX/XXXX. Also, I want to adamantly state that I NEVER received notice of a lawsuit, which Attorney XXXX XXXX XXXX states the " XXXX County Sheriff '' served me " notoriously '' " at your home address on XXXX XXXX XXXX on XX/XX/XXXX. This notice was allegedly handed to " XXXX XXXX ( Nephew ) ''. While I do have a relative with a similar name, no such person resides at my home address, XXXX XXXX XXXX XXXX and my relative has absolutely no recollection of ever having received a visit from the XXXX County Sheriff, something he states he would surely remember, neither does he recall having received any such legal document on my behalf. He is equally adamant that he would have immediately handed it to me had he received such a serious document. What is more, although the " Sheriff 's Entry of Service '' under the section checked for " Notorious '' service asks for the party served to be " described as follows age, about -- -- ; weight, about -- -- pounds, height, about -- -- feet, and -- -- inches, ... '' none of this information was completed. It therefore seems reasonable to conclude that this document was NEVER served as described. In light of all of everything I have detailed above, particularly the sequence of events, I am once again requesting your intervention to remove the lien that has been inappropriately placed on my property. I remain adamant that I NEVER received neither proper validation of the debt nor proper service of suit. Please assist me in doing so. Calvary states that they instructed Attorney XXXX XXXX XXXX to reach a resolution with me and I find this to be a reasonable resolution. Thank you for your further consideration and I look forward to hearing further from you. Sincerely, XXXX XXXX XXXX
06/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97058
Web
Problem : Credit Card Company that I owned the debt to was " XXXX XXXX XXXXXXXX '' by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Parent Company ) has been dissolved and I have no remedy to delete the over due collections from my Credit Reports issued by third party debt buyer shown as ( Cavalry ) on my Credit Reports by XXXX , XXXX and XXXX XXXXplaced by unresponsive third party debt buyer to XXXX XXXX XXXX ( s ) - ( Cavalry XXXX XXXX XXXX XXXX , XXXX XXXX. ). Debt is too old to collect - I am an XXXX State Resident. XXXX Law only allows total of 6 years of debt collection instead of the Federal 7. The Fair Credit Reporting Act ( 15 USC 1681 ( t ) allows States Laws and Demands Credit Bureaus and Collection Companies obey-as the XXXX Law ORS 12.080 ( 4 ) is not in " Sharp '' contrast to the Federal Law on limit of years of Debt Collections. XXXX State-6 Years/Federal 7 Years. In XXXX Law per Collection Law ( s ) held in Contract Law area of the XXXX Revised Statues ( XXXX XXXX ( 4 ) and ( XXXX XXXX ( 1 ) this debt originally by XXXX XXXX XXXXXXXX is over the allowed 6 year period of collection activity- defined start date of collection for the 6 years from my last payment to Credit Card Company ( XXXX XXXX XXXXXXXX-XXXX XXXX Parent Company XXXX XXXX XXXX ) in the Fall of XX/XX/XXXX-Illegal and too old by XX/XX/XXXX-Charge Off was XX/XX/XXXX. Problem is the third party debt buyer : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Collection Agency ) ( {$890.00} ) Charge Off XXXX XXXX XXXX-XX/XX/XXXX Charge Off ) -Refuses to obey XXXX Law ( s ) in Collection as directed by Fair Credit Reporting Act 15 USC 1681 ( t ) ( i ) ( u ) - 15 USC 1681 ( t ) Obey State Laws Section of the Act and give fair investigation of my dispute concluded within 30 days -All described in the Fair Credit Reporting Act 15 USC 1681. XXXX Laws give residents a break from the Federal 7 Year term on Collection Activity down to ( " Commenced '' Collections Activity Period within ( 6 ) Years PER XXXX XXXXXXXX ( 4 ) -Defined Start Date in Stipulated Language excludes later dates of sale to third party debt buyers such as Cavalry in and defined by XXXX XXXXXXXX ( 1 ) from my Last Credit Card Payment which would have been Fall XX/XX/XXXX.-Illegal Collect from XXXX Resident by XX/XX/XXXX. So if XXXX State Law states too old collect- Must delete from XXXX , XXXX and XXXX XXXX-Not Current Collection in their Adverse Accounts Sections. Failure to obey the Federal Fair Credit Reporting Act ( 15 USC 1681 ) within 30 Day Dispute Time has caused dip in my FICO Score to dip and a denial from XXXX XXXXXXXX XXXX for a Credit Card in XX/XX/XXXX. Confusion-Cavalry reported on all three Major Credit Reports- till they sent me a XXXX XXXX XXXX XXXXXXXX XXXX XXXX statement onXX/XX/XXXX Letter - debt was from another Company- XX/XX/XXXX Credit Card instead? -However the statement-mailed me a copy of my XXXX XXXX XXXX XXXX held under ( RXXXX XXXX XXXXXXXX ) owned by parent company XXXX XXXX XXXX XXXX XXXX Mailing address ( XXXX XXXX XXXX Address -Mail Forward Stopped : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) I received return mail from this address in my efforts to remedy this expired collection. Defunct -Merged Out Credit Card Company `` XXXX XXXX XXXXXXXX '' by XXXX XXXX XXXX XXXX XXXX Charge Off XX/XX/XXXX bought for Collections by third party Cavalry XXXX XXXX XXXX XXXX, XXXX XXXX during negotiations for Company Merger from XXXX XXXX XXXX XXXX to XXXX. Company Merger-Failed Notices to Consumers : I as the Consumer do not have a remedy the company is Dissolved-or access to that Merger Temporary Agreement ( XX/XX/XXXX ) or Final Merger Documents ( XX/XX/XXXX ) to see how they handled stock and Charge Off Debt to Company Transfer. from XXXX XXXX XXXX XXXX to XXXX. My Internet Research shows current address for XXXX Customer Service XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I have wrote them a letter this week after receiving the returned mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Further Facts who owns the debt-I am way confused? : Website : XXXX stated XXXX XXXX XXXXXXXX for XXXX XXXX XXXX was bought on XX/XX/XXXX by XXXX from XXXX XXXX XXXX. So where does the consumer go to remedy this problem with a Collection Agency failing XXXX Collection Laws from a debt bought from now defunct Company XXXX XXXX XXXX? The Collection Agency Cavalry-Blaming XXXX XXXX XXXX-claiming owned by XXXX XXXXXXXX a different company but no evidence of that Company Merger of XXXX XXXXXXXX into XXXX and away from XXXX-to remedy this collection that must be deleted on XXXX, XXXX and XXXX XXXX as too old to legally collect per XXXX State Collection Law ( s )? XXXX Secretary of State website shows Entity : XXXX XXXX XXXX XXXXXXXX XXXX.-Surrender XX/XX/XXXX. There process address was listed in XX/XX/XXXX as the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I need mediation assistance to Collection Agency Cavalry XXXX XXXX XXXX XXXX, XXXX XXXX. Fail to Obey XXXX Law ( s ) in Collection by a Collection Agency. Also to figure out who to contact for the original debt. I am unsure which XXXX XXXX Company is theirs as a whole list and very few in XXXX, XXXX XXXX for the Collection Agency Cavalry. Selected Entity Name : XXXX XXXX XXXX XXXX Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX XXXX DOS ID # : XXXX Initial DOS Filing Date :XX/XX/XXXX County : XXXX Jurisdiction : XXXX Entity Type : XXXX XXXX XXXX XXXXY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND Another Possibility : Selected Entity Name : CAVALRY PORTFOLIO SERVICES , LLC Selected Entity Status Information Current Entity Name : CAVALRY PORTFOLIO SERVICES , LLC DOS ID # : XXXX Initial DOS Filing Date : XX/XX/XXXX County : XXXX Jurisdiction : XXXX Entity Type : XXXX XXXX XXXX XXXX Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Thank You for your time in this matter.
11/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • TN
  • 373XX
Web
XX/XX/XXXX my sister informed me that the XXXX XXXX sheriffs officer showed up at her house that evening to serve me with a suit for a debt. She informed the officer that I have not lived in XXXX for almost 3 years and that I currently reside in XXXX. She then asked what is in regards too and he informed her that I owe someone money. XX/XX/XXXX I called the XXXX XXXX magistrate office. I spoke with the clerk that my sister relayed the message where I previously lived and rented. The officer was trying to serve me and I was calling to find out what it is in regards too. She stated that it was a suit by Cavalry portfolioXXXX XXXX XXXX She advised there was no Attorney listed, gave me a phone number and case number. I stated I no longer live in XXXX, I live in XXXX, XXXX. I asked how I can settle the debt. She told me to call the number or Cavarly portfolio. ( Same day ) - i followed up with Calvary portfolio and called number the clerk gave me. I spoke with a female, i dont remember her name. After i was verified i advised i had been notified that they were trying to file suit on this debt in a state i dont live in, anymore and had not for almost 3 years now and that Ive been a XXXX resident since leaving XXXX XXXX her i would like to set up arrangements to pay this and that i can do {$50.00} a month to start in XXXX. She then was looking in the file notes and advised she did see where suit was being filed but there was not an attorney name listed for the case at that time, but said not to worry that i wouldnt be hit with garnishment right away just bc a suit had been filed. I told her something along the lines of okay thats a relief but i would like to stop this from going forward and do a promise to pay and settle this debt and the monthly payments i can do is {$50.00} a month Im a single mother, with only 1 income who does not receive child support or any govt assistance. She then advised me that i should try to get this disputed cause of some inaccuracies she was seeing and said and lets try to get your credit fixed. She then started talking about some kind of credit repair program that i qualified for that would be {$370.00} upfront and then {$99.00} a month afterwards ( again completely ignoring me calling in wanting to settle this debt with a promise to pay because i dont want to miss being served at some random address they are going to and then have a garnishment brought against me cause i missed the court date- i never asked for credit repair or my credit to be fixed i didnt need those services i just wanted to pay and not stress out ). I told her i cant afford that offer and can only pay {$50.00} a month. She said that i could possibly qualify for a free credit repair sweep if i had a minimum of {$5000.00} in my works retirement account, so going along with what she was saying i logged into my retirement account and advised okay i do have that minimum in my 401k retirement. She advised okay great i will have to forward this to another representative who was out to lunch but they would reaching out and calling me back. Said it would be a same day call back So far i have not gotten a call back and its XXXX XXXX XXXX on the day of XX/XX/XXXX almost 24 hours later im still left in limbo with no arrangements being taken from me to pay {$50.00} a month. Im scared, stressed and worried that Im going to be garnished this is not right nor fair. XXXXno call back to me has been received from Calvary. Everything is still in limbo. I decided to reach out to the XXXX number the XXXX XXXX gave me that she advised was for the attorneys office that was listed but no attorney name listed for my case. The attorney office name is XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called in and a receptionist answered did not catch his name either, i said Im trying to settle a debt and i need to know who i need to speak with in regards to this office attempting to file suit. He said Im gon na have to transfer you to our collections dept. I was transferred over and was on hold for 40 mins before someone answered ( this resulted in me having to clock out of work that was not a lunch break, to handle this since it went past my 15 min break that i get in the mornings ). A female answered she asked for my file number, and i interrupted that as she needed my case # that was was from the magistrate filing ( # XXXX ). She said oh that did not pull up asked for my social and i still did not pull up and then advised, youll have to get in touch with another representative and gave me there ext - XXXX, did not give me a name of who i was calling but advised that they are short staffed and Ill have to call back in and dial the ext # to talk to the rep. She was unable to transfer me so i had to hang up call back to that number and then dial the ext and i did three times and all 3 times the ext said this is an invalid entry. So now at this point 3 days later i have gotten no where with either place. Calvary Portfolio has not called me back andignored my request over the phone of trying to set up a monthly payment to not do a suitinstead trying to solicit services that i dont need at this timenor did i inquire on. And the attorneys office cant seem to find my file or find me in the system from the brief 4 minutes of speaking to a live person after being on hold 40 mins and then giving me a invalid extension. Wasted almost an hour of unpaid time i have lost at work just today trying to get something resolved with a {$50.00} a month payment and absolutely nothing has been done. Could it be because both places realize they have messed up big time going and filing a suit in a state that i have not lived in for almost 3 years? Might i add that it reflects on my credit report of the addresses listed and shows my current address in XXXX reporting as of XX/XX/XXXX and the XXXX address last reported in early XXXX. I also have active student loans Ive taken out going back to school that would report my XXXX address on my credit as well every time i do the federal forms. This mess up has had me stressed out completely and was not needed, and no answers from either place of whats going on and who do i talk. Quick to go and file a suit at the court house and have a sheriff serve me but cant resolve this when i call in and get the run around.
05/27/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55369
Web
On XX/XX/2017 , I n oticed that CALVARY PORTFOLIO SERVICES, LLC was reporting to all XXXX credit bureaus that I owed {$2700.00}. I sent them the following certified letter : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , MN XXXX Calvary Portfolio Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX , which you claim I owe $ XXXX .This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , MN XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau CALVARY PORTFOLIO SERVICES, LLC respo nded on XX/XX/2017 s ta ting they received my letter of dispute and have marked it as disputed with all XXXX credit bureaus. They also sent a copy of a credit card statement as " proof '' that I owed them the amount listed.

I went further and sent via certified mail the following letter on XX/XX/2017 : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , MN XXXX Calvary Portfolio Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX XXXX : Acct # XXXX To Whom I t May C oncern : This letter is in response to your recent claim regarding account # XXXX , which you claim I owe {$2700.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , MN XXXX XXXX CALVARY PORTFOLIO SERVICES, LLC again responded with the same letter and several additional credit card statements, stating that I owe {$2700.00}, while reporting to the credit bureaus that the balance owed is {$2700.00}.

According to the FAIR DEBT COLLECTION PRACTICES ACT and the FAIR CREDIT REPORTING ACT, CALVARY PORTFOLIO SERVICES, LLC has twice failed to provide sufficient proof, bearing my signature stating that I have a contractual agreement to pay them what they claim I owe. Copies of credit card statements from a different company are not sufficient evidence that I owe any amount to CALVARY PORTFOLIO SERVICES, LLC .

07/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 22201
Web
In response to CFPB complaint # : XXXX My name is XXXX XXXX , a federally protected consumer, and I am making this complaint against Cavalry Portfolio Services , LLC for violating my cease and desist notice they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached the following to this complaint. - Debt validation letter - Cease and desist notice - Exhibit A ( copy of accounts reporting on my XXXX consumer report ) - Exhibit B ( copy of their response to CFPB complaint # XXXX ) - Exhibit C ( Cavalry Portfolio Services llc XXXX Profile ) In their response Cavalry Portfolio Services , LLC stated Cavalry sent XXXX XXXX the notice required under 15 U.S.C. 1692g which requires that consumers be provided notice of their rights. The notice was not returned to Cavalry as undeliverable and Cavalry did not receive a dispute or validation request from XXXX XXXX during the thirty-day validation period. I want to know how did they send this notice, name of carrier service, date and time of my signed receipt of delivery and the name of the person delivering this notice to validate they actually sent it to me and provide proof of me receiving their notice to lawfully validate this alleged debt. Also, there is no statute on fraud since I never contracted with them and they have no legal premise to have my personal and private identifying information without my explicit written consent. By me not disputing this alleged debt previously shall not be construed as admission of liability. It is my unequivocal belief that Cavalry Portfolio Services , llc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive information. In their response Cavalry Portfolio Services , LLC stated By way of background, on or about XX/XX/XXXX, the underlying account was opened with XXXX XXXX. ( XXXX ). The account was branded as an AAdvantage consumer credit card account. On or about XX/XX/XXXX, the account was charged off. On or about XX/XX/XXXX, a Cavalry affiliate acquired XXXX XXXX account from XXXX. What is this background they used to find my personal identifying information without my explicit written consent, I need to know who else had access to my personal identifying information without my explicit written consent, name of the firm or individual and their affiliation with Cavalry Portfolio Services , llc. Was my personal identifying information obtained via any trade whether monetary or not, what was the form or amount of this trade to obtain my personal and private infromation without my explicit written consent, what is the name, title, affiliation of the person or entity providing Cavalry Portfolio Services , llc with my personal identifying information without my explicit written consent. What is the name of the Cavalry affiliate that acquired my personal identifying information without my explicit written consent. Cavalry Portfolio Services , llc by using my personal identifying information without my explicit written consent to extort me into paying them an alleged debt they claim I owed them even though as of today XX/XX/XXXX Cavalry Portfolio Services , llc hadnt furnished proof as in a contract I signed with them that states I owe them money nor did they furnish proof of a trilateral contract signed by myself that grants Cavalry Portfolio Services , llc the right to collect on this alleged debt, nor do they have my written authorization or consent for them to use my private identifying information and threatening to damage my reputation in public is an act of extortion. Extortion is a federal offense when it interferes with interstate commerce. It is punishable by a fine, imprisonment, or both. All extortion statutes require that a threat must be made to the person or property of the victim. A threat to harm a person in his/her career or reputation is also extortion. A violation of the Racketeer Influenced and Corrupt Organization ( RICO ) Act occurs when a person, in connection with an enterprise, engages in a pattern of racketeering activity, such as Extortion. By searching the XXXX database ( Exhibit D ) it states 202 complaints have been lodged against Cavalry Portfolio Services , llc in the past three years which leads to the fact that I am NOT the only victim of Cavalrys pattern of extortionate activities. A RICO violation requires proof of a pattern of racketeering activity, through at least two acts of racketeering activity, the last of which occurred within ten years. 18 U.S.C. 1961 ( 5 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( E.D.N.Y. XXXX ). Courts generally construe RICO liberally in order to effectuate its remedial purposes. In order to establish a pattern, the plaintiff should prove a relationship between the acts of racketeering activity charged and a threat of continuing activity, or continuity of such activity. In other words, continuity plus relationship produces a pattern of racketeering activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( U.S. XXXX ). The term pattern thus requires at least two acts of racketeering activity within a 10-year period. 18 U.S.C.S. XXXX ( XXXX ). Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If Cavalry Portfolio Services , llc can not provide me with proof such as a signed receipt of registered mail or a tracking number of a courier service with my signature confirming my receipt that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I demand Cavalry Portfolio Services , llc immediately cease their extortionate and deceptive activities against my financial reputation by immediately removing any and all information they reported to any and all consumer reporting agencies.
07/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91606
Web
ON XX/XX/2019 ( THURS ) I GOT A CALL FROM XXXX XXXX ( LEVY DEPARTMENT ) LETTING ME KNOW BY VOICEMAIL THAT THERE IS A CHANGE IN MY ACCOUNT. WHEN I CALLED, THE XXXX PERSON TOLD ME THAT THERE IS A LEVY IN MY ACCOUNT AND THAT THEY ARE HOLDING $ XXXX++ ( DON'T KNOW THE EXACT AMOUNT TO THE PENNY- THIS AMOUNT IS MY WAGE EARNINGS SCHEDULED TO BE USED FOR CHECKS I'VE ISSUED, CHILDREN 'S ENROLLMENT AND OTHER BILLS. ) AND IS SCHEDULED TO RELEASE MY MONEY TO I DON'T KNOW WHOM ON XX/XX/2019. I ASKED THE PERSON WHAT IT IS ABOUT, AND COULDN'T TELL ME EXACTLY WHAT IT IS FOR AND SUGGESTED FOR ME GO TO A LOCAL BRANCH AND GET A COPY OF THE DOCUMENTS THEY HAVE. I THEN GO TO XXXX XXXX BRANCH ( A BRANCH I NORMALLY GO TO ) AND ASKED THE BANKER TO PRINT A COPY FOR ME, I THEN EXAMINE THE DOCUMENT AND SAW THAT IT HAS A NAME I HAVE NEVER USED EVER AND WAS WITH MY SOCIAL SECURITY NUMBER. CREDITOR ( PLAINTIFF ) SAYS XXXX XXXX XXXX, WHOM I DONT KNOW. I CALLED THE ATTY IN THE CASE AND I WAS TOLD THAT HE WOULD PUT MY CASE TO THEIR DISPUTES DEPARTMENT AND WILL SEND ME AN ID THEFT PACKET ( WHICH I NEVER RECEIVED TILL NOW ). I WAS QUESTIONING HIM THAT HOW COME I DON'T SEE THIS IN MY CREDIT REPORT TO WARN ME THAT SOMETHING SUSPICIOUS IS HAPPENING. I ALSO ASKED HIM FOR THE ORIGINAL NOTE/OR STATEMENT OF WHAT WAS OWED TO SEE IF IT WAS ME WHO OPENED THIS ACCOUNT. HE JUST TOLD ME THAT MY CASE IS GOING TO BE IN THEIR DISPUTES DEPARTMENT AND HE ALSO TOLD ME THAT TO WAIT FOR THE ID THEFT PACKET HE WILL MAIL ME AND THAT I SHOULD FILL IT OUR AND RETURN TO HIM AS SOON AS POSSIBLE. WHEN MY LAWYER FRIEND CALLED THIS SAME LAWYER ( XXXX XXXX XXXX MR XXXX XXXX ) HE TOLD MY FRIEND THAT HE WILL PUT A HOLD ON THE GARNISHMENT ON MY ACCOUNT - BUT IT SEEMS LIKE HE NEVER DID. ON THE SAME DAY, XX/XX/2019, I WENT TO A POLICE STATION IN XXXX XXXX TO REPORT THIS ID THEFT AND THE OFFICER TOLD ME HE CANT FILE A POLICE REPORT BECAUSE IT IS NOT AN ID THEFT BECAUSE IT HAS MY SOCIAL. I DONT UNDERSTAND! I THEN GO TO THE COURT IN XXXX XXXX XXXX ON FRIDAY XX/XX/2019 AND GOT A COPY OF THE COURT DOCUMENTS. I SEE HISTORY OF ADDRESSES THEY SUPPOSEDLY HAVE SERVED THE PAPERS. THE COURT DOCUMENTS DONT HAVE MY SOCIAL SECURITY AND OTHER PERTINENT, ADDRESSES THAT I NO LONGER LIVE IN FOR MANY YEARS. IT SEEMS TO ME THAT THEY ARE JUST SLOWLY PUTTING MY INFORMATION TOGETHER, ALL THEY HAVE OF ME IS MY SOCIAL SECURITY. ON THIS SAME DAY I WENT TO THE SAME XXXX BRANCH I WENT TO ON XX/XX/19 AND SPOKE TO XXXX XXXX, A PERSONAL BANKER WHO KNOWS ME FROM COMING TO HER WHENEVER I NEED ASSISTANCE FOR ANYTHING REGARDING MY ACCOUNT. I TOLD HER MY STORY AND SHE CONTACTED AND INVOLVED THE BRANCH MANAGER XXXX XXXX AND XXXX INFORMED THEIR ESCALATIONS DEPARTMENT ABOUT MY CASE. WHO SAID THAT THEY COULD NOT DO ANYTHING TO RELEASE MY MONEY BECAUSE THE DOCUMENTATION PRESENTED TO THEM HAD MY FULL SOCIAL SECURITY THOUGH I REPEATEDLY TOLD THEM THAT I AM TRYING TO DISPUTE THIS AND THAT I ASK FOR THEM TO INVESTIGATE FURTHER SINCE IT DIDNT HAVE MY FULL NAME AND I HAVE NO RECOLLECTION WHATSOEVER, THAT I OPENED AN ACCOUNT WITH THIS CREDITOR. THEIR ESCALATIONS DEPARTMENT THEN TOLD MS XXXX THAT THEY WILL CALL ME NO LATER THAN WED OF THIS WEEK TO GIVE ME AN UPDATE. I EVEN TOLD MS XXXX THAT EVEN IF SHE KNOWS MY FACE AND NAME, WHENEVER I COME TO HER FOR HELP REGARDING MY ACCOUNT SHE STILL ASKS FOR 3 FORMS OF IDENTIFICATION : MY ATM CARD, MY PIN AND MY DRIVER 'S LICENSE. HOW COME XXXX CAN NOT DO THE SAME FOR ME? I EVEN ALSO GAVE HER AN INSTANCE WHERE I TRIED TO DEPOSIT A CHECK THAT MISSPELLED MY LAST NAME AND THEY REFUSED TO ACCEPT IT WHEN IT WAS ONLY 1 LETTER OFF MY LAST NAME .SHE JUST SHRUGGED AND SAID THAT IT IS WHAT IT IS AND SHE CAN'T DO ANYTHING ABOUT IT. I ALSO CALLED THE XXXXXXXX XXXX XXXX AND AFTER SEVERAL ATTEMPTS I WAS ABLE TO CALL MR XXXX XXXX AND ASKED HIM ABOUT THIS CASE AND ASKED HIM TO PROVE TO ME THAT THIS IS MY DEBT AND THAT HE HAS TO GIVE ME ANO ORIGINAL APPLICATION AND STATEMENT BUT HE KEPT SILENT AND SAID SOMETHING ELSE. ON THE SAME DAY, FRIDAY, XX/XX/2019 I WENT BACK TO THE POLICE STATION IN XXXX XXXX ONLY BECAUSE FROM MY RESEARCH, I AM ALWAYS ADVISED TO GO AND FILE AN ID THEFT WITH THE POLICE DEPT, STILL THE SAME ANSWER. AND WAS TOLD TO GO TO XXXX XXXX POLICE STATION. SO I DID AND SPOKE TO A COUPLE OF OFFICERS AND TOLD ME THE SAME THING. IT'S NOT ID THEFT COZ IT HAS MY SOCIAL. BUT HOW COME IT IS NOT IN MY CREDIT REPORT? MONDAY, XX/XX/2019 I SPOKE TO OUR ATTY FRIEND, MR XXXX AND HE TOLD ME THAT HE HAD SPOKEN TO THE ATTY IN CHARGE OF THIS CASE ( MR. XXXX XXXX ) AND THAT HE WILL EMAIL HIM A POSTPONEMENT OF THE LEVY. WE ARE STILL WAITING FOR THAT UNTIL THIS TIME. TUESDAY, XX/XX/2019 : XXXX ESCALATIONS DEPARTMENT CALLED AND INFORMED ME THAT THEY WOULD NEED 2 DAYS TO INVESTIGATE ON THIS MATTER AND WILL LET ME KNOW BY THURSDAY. I DON'T KNOW IF THAT IS ENOUGH TIME FOR ME TO BE ABLE TO PUT A HOLD ON THE LEVY UNTIL IT IS FURTHER INVESTIGATED FAIRLY THAT THIS ACCOUNT IS MINE. AFTER A FEW HOURS I CALLED XXXX COMPLAINT AND ESCALATIONS DEPARTMENT AND ASKED THEM FOR A VERIFICATIONS OF DEBT LETTER, I SPOKE TO XXXX AND SHE TOLD ME THAT THEY DONT HAVE THAT AND THAT I NEED TO ASK THE ATTY ASSIGNED TO THE CASE WHO IS MR XXXX XXXX FOR THAT. I KNOW THAT I HAVE ASKED THIS FROM MR XXXX THE TIME I CALLED HIM ON XX/XX/2019 AND ASKED TO FURNISH ME THE ORIGINAL NOTE OF THE DEBT, AND HE JUST KEPT SILENT AND TOLD ME SOMETHING ELSE. ALSO, ON XX/XX/2019, I WENT TO THE SHERIFF 'S DEPARTMENT TO FILE A CLAIM OF EXEMPTION -ENFORCEMENT OF JUDGEMENT. I WAS TOLD THAT THIS COULD HOLD OFF THE DISBURSEMENT OF MY MONEY TO THE CREDITOR. THIS IS IT FOR NOW. I HAVE BEEN SEEKING LEGAL HELP BUT IT SEEMS LIKE IT WILL COST ME THE SAME AMOUNT TO KEEP MY MONEY ( XXXX ) OR EVEN MORE. I REALLY HOPE YOU CAN HELP ME.
11/13/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77070
Web Servicemember
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) Cavalry Portfolio Services LLC. I pull my credit report for 1st time on XX/XX/XXXX not nothing that this collection was on my credit report. I found out I have a right as consumer because I didnt even know that this was on my credit report. So, I found a letter that I can use to dispute this collection on the website of FTC. So, I sent them a letter of validation which I mailed certified on XX/XX/XXXX ( I have attached the letter I sent them ). They received it on XX/XX/XXXX and respond back with a letter on XXXX XXXX of verification I didn't ask for verification I ask for " VALIDATION '' .. They have not provide me with the following : Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me " VALIDATION '' ; that is competent evidence bearing my signature with showing that I have any legal obligation to pay you. Please provide me with the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing my signature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent Please answer all the above references but if you can not provide all the above documentions. Please delete immediately from my credit report. I have right to dispute as consumer because what they are reporting showing all kind of different dates and amounts with 3 credit bureaus is harming me financially. The last time they say I made a payment doesn't match anything on my credit reports. ( 1 ) The FCRA which I saw on the FTC and CFPB website says that if my information is being reported inaccurately. This is defamation, financial injury stating the case : US Court of Appeals Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. The result if file in court damage incurred by the wrong parties as deemed by the court. I have told the 3 bureaus that CAVALRY PORTFOLIO LLC is reporting these things incorrectly. 2 ) CAVALRY PORTFOLIO LLXXXX : the collection company is violating by " ReAge '' this account by reporting the date of the last activity instead of the date of first delinquency.Consumer protection afforded afforded by the FCRA Section 605 ( c ) Fine of {$1000.00}. 3 ) If collection Agency doesnt validate a debt and continually to pursue collection activity. The consumer protection afforded by the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. Fine {$1000.00}. The Credit Bureaus are also continually refusing to correct information after I have proved them proof of inaccuracies. Which is defamation, willfully injury. FCRA Section 623 CUSHMAN V. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F. 3d 220, June 9, 1997, Filed ( D.C. No.95-cv-01743 ) This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. Please delete this items from my report immediately.. These accounts have hurt my ability to obtain credit
06/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 196XX
Web
Cavalry portfolio Services LLC put a collections item on my report. Its an item thats been coming up on my report for about nine years now under different collection agencies. After 7 years that item shouldve been removed by now because it doesnt belong to me They failed to validate or verify it when I ask for it to be as required by law Its past the statute of limitationa. More about the item : Its an item that originally was coming up on my report for about {$420.00} when it originally appeared. {$300.00} original price and appeared as about {$420.00} with interests and fees, and that was about 9 years ago. b. At that time I did not understand credit well and I had a large purchase to make. I believed having credit puts people in a bad financial state so I did not own any kind of credit. at the time I thought it was financially responsible to only use debit card and not get into debt that can have a monthly 30 % interest rate applied. c. I was planning a big purchase so I made sure I did not have any type of credit card. So when it showed up on my report I disputed it. At the time the collections agency that had it refused to remove it and I did not know any legal avenues to take, so I made my purchase regardless. After my big purchase I still had the same belief that credit cards are not financially responsible. And I still never opened a credit card. d. I never made any payments on the collection because after my big purchase my bank closed my account with no explanation. And no matter who I called they wouldn't give me back my money. It was never affordable for me to make payments after having all my phones taken away. I spent the next few year rebuilding my financial safety net and getting on my feet again. e. The next couple of years has been a lot of struggle financially. But after XXXX I lost my job which left me with a lot of time to research credit. It made me change my mind about credit, I now have some credit cards but they are all secured cards. f. Now about 9 years later cavalry portfolio services llc are reporting the collections account as {$820.00}. I think it is past the statute of limitation. But when I told cavalry portfolio services that, they told me somebody made a payment on the debt back in 2019. g. I know it wasnt me because I was recovering from a motorcycle accident early in that year. And later after I partially recovered my mom was in XXXX XXXX XXXX. I know it wasnt me that made that payment. I know it wasnt my dad or my mom either. And aside from them, I do not have the type of people in my life that would do that kind of thing for me. Whoever did it is someone I dont know and someone that had malicious intent. h. The large purchase I made was a home. And with having my bank account closed right after the purchase, the nest egg I had ripped out from under me unexpectedly I had to rent out to make ends meet. A lot of the people I rented ended up getting access to my personal information. I've been trying to backtrack and figure out who has been responsible for the unexplained financial turmoil I've been going through. I want to know who made that payment. I want to know what the amount the collections agency at the time claimed I owed in 2019 before the payment was made. so I can figure out how much the payment was made for ( for example if the collection amount was {$1000.00} and the 2019 payment was for {$700.00}. It would mean that the balance that remained in 2019 was {$320.00} and that would mean Cavalry portfolio added {$500.00} of interests and fees. I want to make sure your fees and interest are legal to begin with ) I want to know who the payment was made to in 2019. I want to know how that payment was applied in 2019. For example if they applied 100 % of it towards interest and 0 % of it towards principal.Do you know why I want to know these things, because there are still a lot of bad actors in my life that I'm trying to cut out and having that information would help me understand what's going on, it would help me figure out if you falsely saying that a payment was made so that you can continue to illegally reported, or it will legitimize your claims and I can pay you the money that I owe you. i. I want to know how they arrived at the amount that was owed because Im confused about how this debt is getting verified. And confused why you did not respond to my verification and validation request with any document within the 30 days. Dead all I got in the mail was a paper that was an affidavit of identity theft. I want to know that what steps were taken so I'm sure that the right person is being charged for the debt if it belongs to someone else and not me. And lastly I want to know what was purchased on the credit card and where the purchases were made. Resolution : -Delete my social security from your records. -I want information about who sold you the account and for how much. -I want to know who paid on the account in 2019 and exactly when, how much and how the money was applied to the amount it was before the payment. I also want to know how much went towards fees and how much went towards principal. -I want to know if the debt was assigned to you, and who assigned it. The representative I spoke to mentioned it was purchased, if that is the case I want to know who the debt was purchased from. Also include how much it was purchased for and for how much.
07/25/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85032
Web
This complaint stems from a card that I had with XXXX XXXX XXXX, which through the process of a home loan modification, which was suggested by XXXX XXXX XXXX, was closed back in XXXX. Calvary SPV apparently bought the debt that XXXX XXXX XXXX discharged and filed a lawsuit with XXXX XXXX XXXX XXXX on XX/XX/XXXX according to court records. They then filed a motion for alternative service claiming that I was clearly attempting to avoid being served, however, according to their motion, they were attempting to serve papers in the middle of the day and the server noted that there were always vehicles missing from the carport when service was attempted. The court approved the motion for alternative service on XX/XX/XXXX, and on XX/XX/XXXX, there was an affidavit of service filed with the court. At this point in time I had no idea any of this was going on, and I was never served. Without being noticed of this action, I had no opportunity to appear, which is rather convenient for these kinds of junk debt cases where the standing of Calvary SPV is questionable, and they have an issue with producing the required documents. On XX/XX/XXXX, Calvary SPV petitioned for a default judgement, which was granted on XX/XX/XXXX. Again, I had no knowledge of any of this, which seems to be the standard with about 95 % of these kinds of cases in Arizona according to what I've seen in researching this issue in the last month since i found out about this action. According to court records, Calvary SPV filed an application for a writ of garnishment on XX/XX/XXXX with my employer, with a return on XX/XX/XXXX, and an affidavit of service filed on XX/XX/XXXX. At this point, I still have no knowledge of any of this going on, nor does my employer. On XX/XX/XXXX I received an email from my payroll department with a second notice of garnishment attached denoting the amount that was now being withheld from my weekly paycheck due to this judgement from XXXX. This was the first time I was made aware of any of this. I made a trip to the justice court on XX/XX/XXXX and received copies of the paperwork filed by XXXX XXXX XXXX on behalf of Calvary SPV, along with the attempted service and the alternative service. I contacted XXXX & XXXX, still dismayed, and was told that " the process server nailed the documents to my front door '' according to their file. I have a metal front door and a metal security door, so that is not even possible. They did not seem concerned with the lack of service, nor did they want to address any of the issues now that they have a garnishment in place. On XX/XX/XXXX I requested a hearing on the garnishment issue along with the withholding percentage. A court date was set for XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX XXXX advising me that they would not be available for the coming court date and I should send them all my banking information so they could make a determination on my request for an adjusted withholding. When I declined to supply that, I was told they'd see me in court. On the morning of XX/XX/XXXX I showed up for court and was told the judge had just signed their motion to continue. It was at that point I was told I could file a motion to have the judgment vacated. I complied all the information, to include dates and a statement of facts and filed a motion to vacate with the court on XX/XX/XXXX. XXXX XXXX XXXX sent a response to my motion, which I received on XX/XX/XXXX, stating that the time had expired for any kind of motion and there was no explanation of why it took so long for me to respond, therefore my motion should be denied and the judgement and garnishment should remain in place. On XX/XX/XXXX, we had a court date for the garnishment amount hearing. At that time I filed my reply to Calvary 's response again citing issues of the statute of frauds, being that Calvary and I never had any contract and they don't have standing, and noting that they had been fined {$170000.00} in Arizona for bad behavior in cases dating between XXXX and XXXX, and mine was filed in XXXX, so it fits the narative, as well as a class action suit filed in Michigan for fraudulent documentation. At this court date, I had the opportunity to go over this issue for the first time with XXXX XXXX, the attorney for Calvary SPV, and he advised me that they would cut the garnishment amount in half if I would drop my motion to vacate, which struck me as odd. We went over the financials with the judge, and despite having {$5900.00} in monthly bills, and a take home check of {$6100.00}, he didn't see that the garnishment of close to {$2400.00} per month would create financial hardship. The court seems to be a rubber stamp for Calvary as this point, despite the service issues that are blatant, and my total lack of knowledge of the existence of this case. The amount they are claiming includes {$9900.00} for principle, {$4300.00} in interest, and {$140.00} in fees according to the default judgement from XXXX. They're currently claiming {$16000.00} in their paperwork that was sent to my employer in XX/XX/XXXX, which was the first time either of us found out about this issue.
02/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94538
Web
Hello, Summary : XXXX charged me interest fees & late fees on a fraud balance, didnt remove these fees even after the fraud was cleared, & processed to charge interest + late fees on this previous fees! Then sent this to collections agency! ... XXXXXXXX XXXX I owned got frauded, was charged interest & late fees on this fraud amount ; when fraud amount was finally removed, the late fees & interest they charged on it & promised to remove was only removed for XXXX, not XXXX, leaving a balance of {$430.00} in interest & late fees in XXXX charged cuz of the fraud balance in the account. Then kept charging late fees + interest on this {$430.00} balance every month which then became {$890.00}. Of this amount, {$100.00} was a fraud charge from XX/XX/XXXX that was posted XX/XX/XXXX, on top of the {$430.00} in non waived fees. .. then proceeded to send this compounded ball of fees they promised to waive they then charged even more fees on to a debt collection agency and said they no longer have access to the account, all the notes & conversation recordings are deleted. Full story : I got a XXXX prestige card thinking it was a premium card with superior protections and service. However starting XX/XX/XXXX, fraud starting showing up on the card. XXXX did the responsible thing and locked the card and refunded the 3 instances of fraud. However, to my total surprise, while the card was locked and I was blocked from accessing it, the fraud actually continued, and continued into XX/XX/XXXX, racking up close to ~ $ XXXX in fraud! I had a prepaid cellphone plan, and XXXX thus couldnt verify Im the fraudster by phone, and needed to mail a verification, which they proceeded to send late such that I received only by XX/XX/XXXX. I was finally able to get access to the account and thus request them to remove the fraud. I highlighted on the statements which charges were legitimate and which charges were fraud. I paid my balance, and they refunded the fraud ( which were all these weird charges made in XXXX and XXXX towns - I never left America ) in multiple steps, each time me having to call back to ask the remaining fraud amount to be refunded. At first {$3500.00}, & then {$5600.00} of fraud. Finally by XX/XX/XXXX, I had paid all my charges & they seemingly would wipe out the rest of the account remaining which was fraud charges. However, to my great surprise there was still a {$550.00} balance on the account at the end of XXXX / XXXX, in spite of me paying off my total amount and the rest being fraud they said theyd refund. I soon realized what happened - they had wiped out the interest & late fees being charged on the fraud in XXXX, but did not remove the interest & late fees being charged on fraud amount for XXXX. {$39.00} of late fees were charged on the fraud amount in XX/XX/XXXX, & another {$39.00} in XXXX. {$170.00} of interest in XXXX, & {$140.00} of interest in XXXX, & {$40.00} in XXXX. .. this comes out to {$430.00}. Then a fraud charge from XX/XX/XXXX was posted on XX/XX/XXXX for {$100.00} and was also charged. ( It was fraud cuz it was same merchant and transaction amount as fraud done in XX/XX/XXXX by this same merchant and amounts ). The fraud charge was labeled : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$540.00} is the amount that was then left on the account when the account shouldve been XXXX. They then proceeded to charge {$39.00} of late fees for not paying these fees charged on fraud amount every month, and interest every month from {$11.00} to {$17.00}. Such that the balance ultimately came to {$890.00}. XXXX then proceeded to dispose this amount to a collections agency Cavalary Portfolio Services, and said my whole file & account and XXXX had been deleted. So now I have a debt collector trying to collect money on interest charges & late fees charged on past interest charges & late fees, themselves charged for a fraud balance on the account!!! XXXX specifically stated that they would clear the interest charges & late fees charged on the fraud amount, and they did do that for the XXXX charges, but seemingly missed doing so for the XXXX XXXX to XXXX charges, and then beyond. This is not money I owe or interest fees on money I owed XXXX, but is from the fraud balance XXXX had on the account while I was blocked from it and they were investigating. Its totally unfair and unethical to then not remove these fees and then send them to a debt collector who doesnt even realize this isnt money I owe. I expect XXXX to examine the statements of my accounts, remove this debt, and inform Cavalary Portfolio Services as such. An examination of the statements will show how I paid all the amounts that were my charges, the remaining amounts remaining were fees charged on the remaining fraud balance, and this now being sought as collections from Cavalary. Its a tragedy to have my credit report for the next 7 years to be sullied by a collections due to the lack of follow through, broken promises, and incompetence of XXXX credit card & Cavalary portfolio services.
07/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93280
Web
This is a long story and has withstood for too long I am now extremely fed up with the Customer Service of this company, it's harassment, and unethical debt collecting practices. Sad that these people are even able to call themselves debt collectors. Let me begin my complaint by stating some facts. In the first two week of XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating that they were collecting a debt on behalf of Cavalry Portfolio Services, the debt which supposedly originated from a XXXX account. The Account Balance stated was {$1800.00} however, they were offering a settlement amount of {$1100.00}. This seemed odd to me that a debt collection I wasn't aware would approach me through a third party and offer me a settlement offer right of the bat. I assumed this was some sort of scam, but regardless tucked the letter away for record keeping. As the months passed by and this account became irrelevant to me I suddenly received a second letter from a different THIRD PARTY collector by the name of " XXXX XXXX XXXX '' on XX/XX/XXXX stating that they were collecting on behalf of XXXX for the alleged XXXX account. They claimed that they would escalate to a law firm if the amount was not paid. At this point I decided to check my credit reports and realized that this account was indeed on my reports as a collection account. I freaked out, I was not aware that debt collectors could just report accounts as collections without validating them first. At this point I began to consult professionals on this matter and stressfully assume that at this point my life was over. Within a month on the XXXX of XXXX of this year I received another letter yet again from " XXXX XXXXXXXX XXXX '' about the alleged debt, claiming that they would allow me to settle the debt for less than owed. At this point I decided to draft a debt validation letter, however due to my young age of XXXX years and lack of experience with this subject I decided to stand by and hope it would blow over. On XX/XX/XXXX I received yet another letter. However this time it was directly from XXXX XXXX, stating that I must act within 30 days in order for the alleged account to not be placed with a law firm. At this point I freaked out and soon received a call from them in which they offered to delete the account from my credit report if I paid in full. Reluctantly I agreed, as I am approaching homeownership and was in urgent need to get this off my credit report. Before the payment was being processed I decided to consult with an attorney and inquire about this issue I was having. I was advised to not allow XXXX to aggressively harass me in this manner, at that point I decided to send the debt validation letter in which I clearly stated that I wanted clear Validation that the account was mine or removal of it from my reports. It was clear and concise, and somehow XXXX responded by saying that they weren't sure of what I was trying to dispute but that they would agree to put my account in a dispute status and would respond in 150 days. ANOTHER WAY FOR THEM TO CONTINUE TO REPORT AN ALLEGED AND UNVERIFIED ACCOUNT ON MY CREDIT REPORTS WHILE RUINING MY CREDIT AND TRYING TO AGGRESSIVELY FORCE ME TO PAY AN UNVALIDATED DEBT, COMPLETELY ABSURD THAT SOMEONE CAN DO THAT!!!!! If this is legitimately my debt why couldn't they simply send a correspondence verifying it, instead they decided to use a technicality to prolong the process in order to try to get me to pay the alleged debt. All this shows a pattern of increased harassment from Cavalry, their inability to provide validating correspondence on this debt is pure utterance of their fraudulent manners. They escalate their threats and harassment 's and when they see you don't abide by what they say they offer you more enticing ways to end the " issue '' such as offering a less amount or offering to delete this from your credit report if you pay. The Fair Debt Collection Practices Act and the Fair Debt Collection Practices act states that collectors may not use false or misleading statements to garner a debt. Something that Cavalry did throughout this whole process, but most importantly these Acts state something very clearly. BOTH OF THESE ACTS STATE THAT DEBT COLLECTORS ARE OBLIGATED BY LAW AND BY CONTRACT WITH THE CREDIT AGENCIES TO REPORT ACCURATE INFORMATION. NOT ONLY ARE THEY NOT REPORTING ACCURATE INFORMATION, BUT IF THIS ALLEGED ACCOUNT WERE TO BE VALID THEIR OFFERING OF PAYING TO DELETE WOULD HIGHLIGHT VIOLATION OF THE CREDITORS AGREEMENT TO REPORT ACCURATE INFORMATION. Cavalry plays the hostage game of holding your credit hostage until you pay the amount and offering to delete it once they get their money on a debt that has never been validated!!! I have spoken to my a professional advisor on this matter and I have hereby decided I will be contacting my State 's General Attorney office to bring these shady debt collection practices to their attention and help stop these unfair and illegal practices.
09/19/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93312
Web Older American
Back in XXXX, I was trying to purchase a home, but my credit wasn't where it needed to be for the mortgage lender to approve me. The reason being that I had a few accounts under dispute. Cavalry Portfolio being one of the accounts under dispute. It was in dispute status because they are trying to collect from XXXX, and XXXX is a very old account. It is so old, that I let the account go shortly after I became XXXX, and my income dropped massively. I became XXXX in XXXX the payments to my creditors stopped shortly afterwards. If I was generous, and I said I paid for my credit card bills for three years after I became XXXX, then that would still mean I stopped paying for my credit cards in XXXX. Please believe me when I say I did not pay my creditors for three years as there would be no way I could afford it and still live. My income dropped by more than 50 %. To get back to the point at hand, the lender told me I couldn't have accounts in dispute. Due to this, I was referred to XXXX XXXX XXXX to help me remove dispute codes from my credit report. They did so by helping me call the credit bureaus. We called and spoke with XXXX on XX/XX/XXXX. XXXX was the representative 's name. To make it brief, she said the Cavalry Portfolio dispute codes removed and confirmation was to be mailed to me. We also Spoke with XXXX. XXXX was who helped us there. Cavalry Portfolio dispute codes were also removed, and confirmation was to be mailed to me as well. I had already handled XXXX on my own before I dealt with XXXX XXXX XXXX. To this day I have not received any notices saying my disputes had been removed, and the disputes are still on my credit report. Since I could not get a loan with the mortgage lender due to these dispute removals taking too long, I was forced to stop the loan process and focus on simply trying to restore my credit. The first step I took in trying to restore my credit is sending debt validation notices to Cavalry Portfolio. This happened on XX/XX/XXXX. I also decided to be a little more proactive in my approach and called Cavalry as well. I spoke with a XXXX XXXX on XX/XX/XXXX. My first approach was to ask for the removal of the dispute codes since that is what I was trying to do in the first place, but then I decided it was better to ask for debt validation verbally instead since I didn't agree with the collection and what was being reported and I had also requested in writing anyways. That, and XXXX said she would inform a supervisor to remove the dispute codes which would be completed in 1-2 days, but I couldn't simply take her word for it since I didn't speak to the supervisor myself. To reiterate from before, to my recollection this account stopped being paid nearly a decade ago. XXXX informed me that based on her records the account was opened on XXXX. That seemed correct. What I found very odd is that she stated the charge-off date was XXXX. That couldn't possibly be true, but I continued listening anyways. She then said the last payment date was XXXX. That was even stranger than the charge-off date. The reason it was very strange is because according to her statement, the account was charged off in XX/XX/XXXX which would mean there was a lack of monthly payments for 6 months, but then somehow, I made a single payment AFTER it was charged-off and then never pay again beyond that? You don't have to be a private eye to point out that doesn't smell right. Today is the XXXX of XXXX and I have not received any validation of debt from Cavalry Portfolio. They may have told me some information over the phone, but I need something in writing to prove what their records are saying is true. Cavalry Portfolio is a debt purchaser, so I know they buy debt. I need the original creditor 's validation of debt as well as some form of account ledger because there is no way I stopped paying for this account in XXXX when I became XXXX in XXXX and my income dropped next to nothing immediately afterwards. There is also no way I let the account charge-off and then make a single payment immediately afterwards. That doesn't make any sense. To me, this sounds like companies trying to fabricate some information so they could extend the statute of limitations for credit reporting. I need it to stop, and I need to have this account removed from my credit report since nobody seems to be doing what I am asking or is legally required. Cavalry is not validating this debt, and the credit bureaus have not removed the dispute codes from this account after me requesting they remove it and them saying they would. They can't have it both ways. Either remove the disputes when I ask for them to be removed or validate this debt. Otherwise remove it from my credit report if you can't. You can't simply not validate it and not remove disputes when I clearly have asked for it to be done.
05/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • XXXXX
Web
On or around XX/XX/XXXX and subsequently on or around XX/XX/XXXX a Potentially Negative - Major Derogatory information was found on my credit report as reported to XXXX and XXXX. The reported details are as follows : Source XXXX Alert Date XX/XX/2022 Balance Amount {$1300.00} Is Collection YES Open Date XX/XX/2022 Payment Status UNPAID ( D ) Status Date XX/XX/2022 Name XXXX XXXX XXXX Street Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY Zip XXXX Source XXXX Alert Date XX/XX/2022 Balance Amount {$1300.00} Is Collection YES Open Date XX/XX/2022 Payment Status XXXX XXXX XXXX XXXX XXXX ) Status Date XX/XX/2022 Business Type YC I do not have any responsibility for the debt Calvary Portfolio Services ( Calvary ) is trying to collect. If Calvary has good reason to believe that I am responsible for this debt, I request that they forward, as soon as possible, the documents that make them believe that. Specifically, I request the following information to be provided : Why Calvary thinks I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When Calvary identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can Calvary provide a copy of the written agreement that created my original requirement to pay? If Calvary is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when Calvary obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount Calvary is trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Has Calvary made a determination that this debt is within the statute of limitations applicable to it? Tell me when Calvary think the statute of limitations expires for this debt, and how Calvary determined that. Details about Calvary r authority to collect this debt. I would like more information about Calvarys firm before I discuss the debt with Calvary. Does Calvarys firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If Calvary is contacting me from a place outside my state, does Calvarys firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I need to hear from Calvary to make an informed decision about Calvarys claim that I owe this money. In order to make sure that I am not put at any disadvantage, I urgently request that Calvary record that I dispute having any obligation for this debt, and also report to all three credit reporting bureaus ( XXXX, XXXX, XXXX ) that the debt is disputed, or otherwise have it removed from my credit reports immediately. Sincerely, XXXX XXXX
08/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19141
Web
Cavalry Portfolio Se, XXXX XXXX XXXX & XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave Cavalry Portfolio Se, XXXX XXXX XXXX & XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. Cavalry Portfolio Se, XXXX XXXX XXXX XXXX XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; Cavalry Portfolio Se, XXXX XXXX XXXX & XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; Cavalry Portfolio Se, XXXX XXXX XXXX & XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Cavalry Portfolio Se, XXXX XXXX XXXX & XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt.Cavalry Portfolio Se, XXXX XXXX XXXX XXXX XXXX FundingS is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Cavalry Portfolio Se, XXXX XXXX XXXX XXXX XXXX XXXX has provided false information to XXXX, XXXX, & XXXX
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • UT
  • 84045
Web
I requested and received my reports from XXXX, XXXX and XXXX and they have incorrect information reported on them including ; addresses, spelling of my name, phone numbers, employment, XXXX party reporting ( especially a collection from XXXX XXXX XXXX ) and payment history. I do not feel that my privacy has been respected nor the following upheld ; Privacy Act of 1974, 16 CFR 313- Privacy of Consumer Financial Information and 15 USC 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Because of this, and to avoid any further confusion or harm to me or my family due to these reporting errors, per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given to any of these companies ; written, unwritten or verbal, past, current or future. 15 USC 6802. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please help me ensure only one proper spelling of my name and my current mailing address are present on my reports. The employment currently listed has never been accurate and must also be removed. Please also ensure the information inaccurately reported by XXXX XXXX XXXX is removed per 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
06/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 93312
Web
Back in XXXX my daughter needed some XXXX services. I applied for a XXXX XXXX XXXX XXXX and the credit card was granted on XXXX of XXXX, so I paid my child XXXX service with the new XXXX XXXX XXXX XXXX card. The first payment was scheduled on XX/XX/XXXX, unfortunately I did not receive a bill with the payment phone number or the payment address to send a payment, so almost at the end of the month decided to call and ask the best way to process my first payment, the XXXX XXXX XXXX XXXX representative told me that I needed the account number to make the payment, number that in the time of the call I unknown, for their security reason she couldnt gave me the account number, so the best was XXXX XXXX send me the bill to my mailing address and then process the payment. Until XXXX XXXX XXXX I received my first bill from XXXX XXXX XXXX XXXX, it was the XXXX bill with the payment information, STETEMENT WITH CLOSING DATE OF XX/XX/XXXX, PAYMENT DUE DATE of XX/XX/XXXX, and a MINIMUM PAYMENT DUE OF {$190.00} Dollars. On XX/XX/XXXX I paid {$100.00} dollars to XXXX XXXX XXXX XXXX over the phone, and in XX/XX/XXXX of XXXX I paid another {$100.00} dollars online, so the minimum payment was covered before the due date. Come XXXX, I tried to process the monthly payment over the phone, XXXX XXXX XXXX XXXX refused to accept my payment because they had the suspicion that I applied for bankruptcy, I informed to the representative that it was not the case and I will continue with my payments in time before the due date, the representative refused to accept the payment. In a second call before the XXXX payment due date I called to the XXXX XXXX XXXX XXXX to check if they cleared the information and if I could process my payment, again the representative refused to accept the payment and this time I was informed the account was sent to the collection department, even when my previous payments were paid in time and I was trying to pay the third month. I tried to get the recovery or collection department phone number to stop the collection work, but the representatives told me I cant contact or make a payment because they were updating the account to the collection department and they will contact to me, I told several times to the representative that I was in the position to continue with regular payments and continue with the original credit card agreement, but they refused to give me a solution to stop the collection process. After several calls I gave up making my XXXX payment because the continually refused to accept it. Months went by and never did we receive another phone call or notice or some documentations or letter in regards this debt. The XXXX XXXX XXXX XXXX sold my account to a collection agency named XXXX XX/XX/XXXX. XXXX XXXX hired a Law Office to collect this debt, on XX/XX/XXXX they sent me a paper work of the account and I discovered the details that make this illegal collection. Originally the payment schedule was : 1rst minimum payment of {$98.00} before XX/XX/XXXX 2nd minimum payment of {$98.00} before XX/XX/XXXX 3rd minimum payment of {$98.00} before XX/XX/XXXX. And continuing every XXXX of the month until the balance be paid in full. But as I said the first bill was lost in the mail or just XXXX XXXX XXXX XXXX never sent out, So the 1rst payment was paid on XX/XX/XXXX over the phone, the second payment was paid on XX/XX/XXXX, On XX/XX/XXXX on XXXX the first and the second payment were covered before the second payment due date. On the third payment it was not possible to process because on XX/XX/XXXX of XXXX Synchrony Bank/Care Credit sold the account to the collection agency Cavalry SOV I LLC, even before the third payment due date -remember the due date is the XXXX of each month-, that should be the real reason why the did not accept my payment because they sold the account to a collection agency before the account was a charge-off, but the account was not a charge off because I paid the first and the second minimum payments before the due date of the second payment. XXXX XXXX XXXX excused in I was applied for a bankruptcy but that is a lie, the true is they sold an account to a debt buyer before the account was a charge off. Now Cavalry SOV I LLC ( debt buyer ) hired a law office -XXXX XXXX XXXX- the law office is attempting to suit me for this debt, a debt the I never refused to pay ( the original creditor refuses to accept the payment ) I want to pay in the original terms stipulated with the original creditor.
08/24/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08816
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 15 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX P.C. CAVALRY PORTFOLIO SERVIC CAVALRY SPV I , LLC. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 15 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX Federal Trade Commission
08/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 98391
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, I am making this complaint against CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, for committing identity theft. I have never given CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, continues its collection efforts, I will file for litigation for actual damages caused and CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. CAVALRY PORTFOLIO SERVICES LLC / CAVALRY INVESTMENTS LLC shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
03/30/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 080XX
Web Servicemember
Cavalry SPV 1, LLC has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt. Documents proffered by Cavalry SPV 1, LLC are insufficient to validate the alleged debt. XXXX XXXX and by and through Cavalry SPV1 have worked to committed fraud by preparing and submitting false documents to this court with the intention that this court and I rely on the false documents to the detriment of me. They are doing this to many others as well have made billions doing so in the worst of economics. Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings. They also filed this lawsuit during the holidays XX/XX/XXXX-XX/XX/XXXX with the same intent their tactics are that defendants do n't know how to and/or can not respond in time. I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories. Their response was they did not receive it and/or the same tactics as to file a motion with no time to respond a few days prior to the current court date of XXXX XXXX 2015. XXXX XXXX XXXX on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights. Cavalry SPV I , LLC, which is an affiliate of XXXX XXXX XXXX. They are a debt buyer typically of defaulted credit card accounts, purchasing them for pennies on the dollar in order to collect on them. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ). The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value. Assume the following scenario which, for the sake of simplicity of illus-tration, will use simple, rather than compound interest : on XXXX XXXX, a consumer owes {$1000.00} on her credit card, all of which is principal and does not include any interest, late fees or other fees. She fails to pay her credit card bill, and never makes another payment. What happens? On XXXX XXXX, she will receive a bill for the {$1000.00}, plus 29.99 % interest based on the annual percent-age rate, plus a late fee for {$39.00}. She will continue to receive these charges for the next 5 months ( for a total of 6 months, or 180 days until the creditor will " charge off '' the account for tax purposes ). By this time, the bill will be approx-imately {$1300.00}, or almost 40 % higher than it was on the day that she defaulted. This {$1000.00} loan, which now includes an extra {$400.00} tacked on since the day the consumer stopped paying, will be sold for {$56.00} ( assuming a sales price of 4 cents on the dollar ), and the consumer will then be sued by a debt buyer for {$1400.00}, plus attorneys ' fees of 15 %, or {$210.00}. ( This assumes they will not also be seeking prejudgment interest of 29.99 % ). For the consumer, the price of de-faulting has suddenly become 161 % of the principal of the amount loaned. For the debt buyer who invested {$56.00}, the potential return on investment is 2,800 % ; {$56.00} invested and {$1600.00} returnedPlease let me know if you needed anything.
08/17/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30043
Web
Cavalry Portfolio Services is claiming that I owe it monies but it 's never given me any loan or credit. After contacting me numerous times claiming to collect on an account that XXXX assigned to it with amounts changing from {$2200.00} to {$2200.00}, {$2200.00}, {$2200.00} and finally {$1800.00}. The initial letter stated, " Cavalry SVP I, LLC recently bought your XXXX XXXX XXXX, XXXX account listed above and is now the CREDITOR for your account. Cavalry SVP I, LLC has referred YOUR account to Cavalry Portfolio Services, LLC XXXX " Cavalry '' XXXX for servicing. " And further down at the bottom of the letter it says : Make Checks and Money Orders Payable to Cavalry Portfolio Services, LLC. XXXX letter attached ) Just like that a company I 've never heard of before was asking me to send {$2200.00} without any proof of their ownership of the debt or my indebtedness. Naturally, I sent a letter with a confirmation receipt requesting validation of the debt on XXXX XXXX, 2014 under my FDCPA rights and proof that I am contracted to it for the initial amount of {$2200.00} ( letter attached ). The Postal office tracking showed Cavalry received my letter on XX/XX/XXXX,2014. However, It did not respond to my request within the required 30 days time frame. On XXXX XXXX, 2014 cavalry sent a letter acknowledging receipt of my XXXX XXXX dispute letter. The letter also stated : '' Please be advised that we have already ceased collection efforts for the time being in response to your communication. " XXXX letter attached XXXX This was just an attempt to buy time. Cavalry did n't have anything to back their debt claim but it was reporting me to CRAs as delinquent for an account it allegedly ownedFurthermore it never ceased collection efforts as promised since it was still reporting derogatory remarks on my credit report. If that does not constitute collection efforts as far as a collection agency is concerned, what does? In summary, Cavalry made derogatory entries on my credit file without validating the debt. And when I asked for validation it failed to do so using diversionary tactics because it has nothing to back its claims. So I did not receive the requested validation until XXXX XXXX, 2014 when a law firm, XXXX XXXX XXXX, contacted me in a letter citing " XXXX XXXX XXXX '' and averring that, " verification of a debt involves NOTHING MORE than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed ... '' So Basically Cavalry never responded to my validation request of XXXX XXXX, 2014 pursuant to my rights under FDCPA and continued to report negative information about me in violation of the FCRA. And on XXXX XXXX, 2014 I invoked FCRA Section 623 and requested complete documentation and record within 30 days. Again cavalry failed to respond to my request of evidence within the 30 days time frame but sent me a letter, this time through another attorney, XXXX XXXX XXXX, XXXX, claiming that XXXX sold my alleged account to a company called XXXX XXXX which in turn sold the alleged account to Cavalry SPV I , LLC which referred/assigned the said account to Cavalry Portfolio Services for collection. So now I have a collection account on my credit file. And the credit reports show Cavalry Portfolio XXXX as the Collection Agency collecting a derogatory account assigned to it by HSBC.This is false and a blatant misrepresentation and imposture. In Arizona, Cavalry was fined {$170000.00} because it has made a practice of not responding to consumer requests for proof or evidence of a debt even though it had already reported the debt on the consumer 's credit report. This is exactly what I experienced dealing with Cavalry. I feel that Cavalry has no right to make derogatory entries in my credit report. As a outcome of my complaint, I want it to remove all its negative entries from my credit report
06/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20748
Web
In accordance with the Fair Credit Reporting act reporting of this account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I want to apply these laws and exercise my rights. Please delete these accounts. Please send me a 1099 form and delete this account It is further agreed that CAVALRY shall take all steps necessary to ensure that no credit report or credit reference that is unfavorable or that may be construed unfavorably to XXXX XXXX XXXX shall be made by it or by any consumer reporting agency with regard to any debts or claims as between CAVALRY and XXXX XXXX. Without limiting the effect of the foregoing obligation, CAVALRY shall also within ten days hereof send notice [ in writing or electronically or both ] to each consumer reporting agency to which CAVALRY has reported any information about XXXX XXXX XXXX, deleting from their files all references to the [ alleged ] debt which is the subject of this settlement agreement. To that end, CAVALRY shall submit a Metro II form coded with DA ( delete account ) [ and/or ] a XXXX XXXX Form with the Delete Tradeline option box checked to each consumer reporting agency to which CAVALRY has reported any information about XXXX XXXX XXXX XXXX Prior to any execution of any release of claims by XXXX XXXX XXXX, shall submit to counsel for XXXX XXXX XXXX clear and complete copies of these forms ( with CAVALRYs subscriber/password code redacted if CAVALRY chooses ) and proof that CAVALRY has submitted these forms. Each required Universal Data Form or the equivalent must contain CAVALRY certification that it has modified its internal records so that the information to be deleted is not re-reported. In the event Plaintiffs discover, more than fortyfive ( 45 ) days following CAVALRYs submission of the XXXX XXXX XXXX form/XXXX XXXX form ] as described, that any consumer reporting agency still reports the alleged debt, XXXX XXXX XXXX may notify CAVALRY in writing, and CAVALRY will within ten business days re-submit a request for deletion of all reference to the debt. CAVALRY shall adjust its relevant internal records in a manner that will permanently reflect the agreed-upon status of the debt. CAVALRY agrees to take all steps necessary or appropriate to prevent the re-reporting of any information about the [ alleged ] debt. In the event any such information is re-reported to any consumer reporting agency, CAVALRY agrees to take all steps necessary or appropriate to ensure that the re-reported information is deleted from the files of every consumer reporting agency to which the information was re-reported. Further, should a consumer reporting agency ever notify CAVALRY that XXXX XXXX XXXX is disputing the tradeline, CAVALRY will not verify the tradeline or will confirm that the tradeline should be deleted ; in such an event, CAVALRY will also submit to counsel for XXXX XXXX XXXX, within forty-five ( 45 ) days after receiving the notification of the dispute from the consumer reporting agency, clear and complete copies of the notification of the dispute and any and all forms ( including electronic forms ) by which it responds to such notification ( with CAVALRY s subscriber/password code redacted if CAVALRY chooses ). CAVALRY further agrees that it will not assign, hypothecate, or transfer the [ alleged ] debt to another creditor, a collection agency, or any other third party, and that it will not alter the account number or otherwise relabel the account. The parties agree that time is of the essence of this contract. This release shall not extend to the obligations created by this Agreement or to any claim or cause of action based in whole or in part upon a communication to a consumer reporting agency after the date of this agreement.
05/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 863XX
Web
XXXX XXXX XXXX XXXX., also being referred to as Cavalry SPV I , LLC XXXX Filed a complaint against me and is suing for an alleged debt they allegedly bought from XXXX. XXXX XXXX XXXX submitted as Exhibit 2 an Affidavit of Sale Of Account. This is a statement from a XXXX employee named XXXX XXXX. This affidavit does not include any specific account information that pertains to me. Just that XXXX sold a pool of charged-off accounts. Exhibit 3 is a Bill of Sale and Assignment also signed by a XXXX employee. This document is not notarized, nor does it include anything proving that this alleged employee signed the Bill Of Sale. Exhibit 4 is a " Fact Sheet, '' it appears to be a generic credit card agreement that was not signed. Exhibit 5 appears to be an online application for this alleged debt. The information contains false information. It shows that I made {$170000.00} and that the address is XXXX XXXX XXXX. I provided tax transcripts showing I had no reported income for XXXX, XXXX, XXXX, and XXXX. And that I lived at XXXX XXXX XXXX and not XXXX. This alleged debt was applied for on XX/XX/XXXX, according to this document. Exhibit 6 is a copy of many credit card statements. It shows some payments were made but not the account number showing who paid. It also shows a purchase to XXXX XXXX XXXX XXXX, which is a company I own. I've provided documentation showing the XXXX account belongs to XXXX XXXX and not me. XXXX XXXX is my ex-wife. I originally learned of this alleged debt from a Summons they filed on XX/XX/XXXX, I was served in XXXX of XXXX. I received a letter dated XX/XX/XXXX. It was the letter stating I have 30 days to dispute this debt, and if I don't respond that they will assume the debt is valid. I disputed the alleged debt within 20 days. They sent this letter out asking if it were mine after they had already filed the lawsuit. I responded with an Answer, and now we are set for arbitration. XXXX XXXX XXXX doesn't have an agreement or application signed by me. They failed to allow 30 days to pass for me to dispute the alleged debt before filing a lawsuit against me. They do not have any signed credit card receipts from me. They have no proof that I ever used or benefited, or applied from this alleged credit card. They also attempted to contact me before XXXX XXXX. XXXX is a copy of the Summons filed. XXXX is the letter they sent stating unless I notify them within 30 days, they will assume the debt is valid. Notice it was dated after the Summons was filed. XXXX is the exhibits they are using in arbitration. Much of it is hearsay, and there is no proof that this alleged debt is mine or that I applied for it. Scan XXXX is my final response in preparation for arbitration. Exhibit 1 is a credit card application that would be signed when credit is applied for. They have no such signed document. Exhibit 2 is my tax transcript showing I did not have the reported income that they alleged I had. Exhibit 3 is a copy of my credit report showing they never reported this alleged debt as disputed to the Credit Reporting agencies as they are required to do so under 15 I/S/ Code 1692 e8. Exhibit 4 is a copy of the back of 3 other credit cards I have. Notice each of them state that, " Card use subject to credit card agreement '' XXXX XXXX XXXX can not provide a copy of the back of the alleged card that says this. Exhibit 5 is a copy of county records showing when I moved into my current residence. Exhibit 6 is a screenshot of the XXXX account of XXXX XXXX XXXX XXXX. As you can see this account is owned by XXXX XXXX and not myself. Exhibit 7 is a copy of XXXX complaints from this year. And as you know, there are an additional XXXX complaints with the CFPB. This company has a history of breaking the law. Every court case in history comes down to one thing, and that's proof. XXXX XXXX XXXX has NO proof that I applied for this alleged debt.
10/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • XXXXX
Web
XXXX is not responding to my letters sent more than 30 days ago. My first letter was sent on XX/XX/ no response. 2nd letter sent on XX/XX/XXXX, 3rd Letter sent on XX/XX/ no response from XXXX. It is against federal laws for my requests to be ignored. I mailed a copy of my social security card and utility bill with each letter and still did not get a response.I will take everything I have to court and show how you are violating my consumer rights and damaging my character. I am tracking and documenting all of my correspondence to this company and have proof you continue to ignore federal law!!! This is my fourth letter to XXXX of which the previous 3 have been ignored and you continue to report inaccurate information and unverified accounts on my credit report. I am prepared to start litigation if these accounts are not deleted from my credit file upon receipt of this letter to your company through CFPB. I am attaching all previous letters sent and I demand all information I sent as a dispute be formally addressed. How is the alleged account of XXXX XXXX XXXX still reporting late payments if the account is charged off? DELETE THIS UNVERIFIABLE ACCOUNT FROM MY CREDIT FILE! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. CAVALRY PORTFOLIO SERV XXXX XXXX XXXX XXXX As you have on record, I was previously a victim of identity theft and it is your responsibility to ensure that all of the information you have in your database is accurate and to address any concerns I have about the information that you are reporting about me. If I tell you an address is not mine, you should delete it right away to prevent the compromise of my identity my thieves! I sent you a letter which is also enclosed asking you to delete inaccurate addresses from my credit file on XX/XX/ which you did not respond to. Delete all inaccurate addresses from my credit file that are inaccurate and undeliverable to me as I previously requested. Now Im demanding it and I will make sure my consumer rights are not violated by your company!! Delete all of these addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. XXXX XXXX XXXX XXXX XXXX, CA XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
03/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28803
Web
I am filing this complaint against CALVARY SPV I, LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX, Calvary Portfolio Services , LLC, and XXXX, XXXX Background : I opened a XXXX credit card account on XX/XX/XXXX. Due to unplanned circumstances, I was unable to make the minimum payment. I tried unsuccessfully to work with XXXX. My last payment towards the outstanding balance was in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and sold to a collection company. I tried to work out a payment plan with the collection company. They wanted two lump sum payments that I could not manage. XX/XX/XXXX was the last I heard from anyone regarding the account until I was served a COMPLAINT FOR DAMAGES lawsuit, on XX/XX/XXXX, from an attorney representing CALVARY SPV I, LLC. There are two parts to my complaint. First Part : CALVARY SPV I, LLC failed to provide me with a Written Notice of Assignment of Debt. As a result, I was not aware of my right to validate and/or dispute the debt. CALVARY SPV I, LLC, is a DEBT COLLECTOR as defined by the Fair Debt Collection Practices Act ( FDCPA ) and as such, are required to comply with the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g. Validation of debts III. LII U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter V. DEBT COLLECTION PRACTICES Section 1692g. Validation of debts ( a ) Notice of debt ; contents : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debtcollector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Second Part : According to the Florida Office of Financial Regulation, neither CALVARY SPV I, LLC, nor its affiliate, Calvary Portfolio Services , LLC, is a licensed Debt Collector in the state of Florida. Calvary Portfolio Services, LLC provided the Court NO EVIDENCE that Plaintiff complied with the FLORIDA CONSUMER COLLECTION PRACTICES ACT, ( FCCPA ), with regards to the sections listed below. a.559.553Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. b.559.715Assignment of consumer debts. This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ( History. s. 1, Ch. 89-69 ; ss. 6, 13, Ch. 93-275 ; s. 3, Ch. 2010-127. )
03/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89107
Web
I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), Sept. 30, 1996, 110 Stat. 3009425. )
04/03/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 152XX
Web
My wife and I have been negatively impacted by the debt collection practices of Calvary Portfolio. I have seen her upset and have seen her negatively impacted for a contract employment opportunity because her reputation was negatively impacted due to a scrupulous Public Record entry which this company used as a means to collect a debt. This circumstance greatly affects my entire family unit, for which I tirelessly work hard for. This form of debt collection also forces innocent people whom are not known to my wife to be publicly associated with a debt they do not owe in a Public Record forum. If Calvary Portfolio is allowed to continue in this debt collection pattern, this means, any person 's name will eventually be included in a Public Record entry by virtue of living next to, living with, or knowing someone with a debt, but the debt is not belong to them. Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since XX/XX/XXXX. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract XXXX job and my acceptance of an XXXX Position. Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. My wife also was treated very poorly and abusively by Calvary Portfolio 's lawyer. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur. This debt has been paid and I did so not really having hardcore proof specifically of this debt, the purchase of the debt, nor was I given an opportunity to be heard prior to the filing of several motions in several states by Calvary Portfolio ( or their representatives ). It has already been requested Calvary Portfolio remove their Public Record Entry for my name in all the states they filed motions just to collect a debt. Please see the attached for XXXX example. If there are filing fees, please advise, but the comments they have added to the public Record forum is absolutely inappropriate. It is noted that Calvary Portfolio essentially concedes that prior to legal action being taken against me, their offices did not attempt to contact me for a debt they 've procured and took legal action prior to me being heard both in XX/XX/XXXX and in XX/XX/XXXX. Even with knowledge of a known address, a time frame period was not provided to me informing me of a possible impending legal action.
05/08/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48204
Web
On XX/XX/2020, Claimant sent a validation of debt in response to an entry made on Claimant 's Credit Report to Respondent as follows : I neither affirm, nor deny this purported debt. You claim I owe your company [ {$1300.00} ]. This letter is being sent to you in response to an entry made on my Credit Report. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency Garnisheeing via Third Party Withholding Unit Michigan Department of Treasury may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company for breach of the duty of good faith and fair dealing by interfering with or failing to cooperate in the other partys performance. The Duty of Good Faith and Fair Dealing. Every contract contains an implied duty of good faith and fair dealing. This duty requires that neither party will do anything that will destroy or injure the right of the other party to receive the benefits of the contract. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. Today, XX/XX/2020. I state that I have previously sent respondent a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a Notice of Income Tax refund Used for Debts and Garnishment Disclosure, dated XX/XX/2020, issued by the Michigan Department of Treasury, noticing Claimant that The Michigan Department of Treasury is holding Claimant 's income tax refund for the tax year listed above based on the debt ( s ) owed to CALVARY SPV I LLC AS ASSIGNEE XXXX XXXX XXXX, based on a garnishment. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 15 U.S.C. 1692g ( b ).
01/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30024
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX RE : Collection account : XXXX {$1300.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
03/30/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • DC
  • 20010
Web
I am a resident of the XXXX and I wish to file a complaint for abuse of process and violation of the FCRA against XXXX XXXX and Cavalry LLC ( debt collectors ) who have filed suit against me in a mandatory mediation state knowing that the debt was non-collectable as the statute of limitations has been exceeded. I believe that Calavry and XXXX purchased a non-collectable debt because their algorhythms showed I have several " paid current '' on my credit report, including my mortgage and my car. I believe that to data mine and file court summons for debt outside the statute and then use the mandatory mediation nature fo XXXX small claims court to compell a summons is an abuse of process and I wish to file a claim against them or have one filed in my behalf and those like me. Thhis concerns a XXXX credit card I closed myself 7 years ago XX/XX/XXXX when, at the peak of the financial crisis, XXXX sent me a letter stating that, eventhough I had not missed a payment they were demanding a full payoff of my {$5800.00} balance in 30 days or that I would agree to a new interest rate of 29 %. As I could not afford eitehr of those terms, I closed the card XX/XX/XXXX. I paid on the closed car faithfullly for three years until they raised my rate again despite no fault of my own and I was unabel to pay the new rate/ minimum payment. On the date of my summons, the plaintiff, Cavalry LLC did not appear and I challenged this before the presiding Judge ( XXXX ). Judge XXXX said that XXXX could represent Cavalry against me as their Atty was present and was acknowledged as an officer of the court. The XXXX Atty assigned the case who met with me in mediation was XXXX XXXX, who seemed to be representing XXXX and Cavalry LLC on every case before the court that day. In mediation I challenged the debt on grounds of absolute defense due to statute of limitations being expired ( no payment of cc closed XX/XX/XXXX since XX/XX/XXXX, court filing date by Cavalry was XXXX XXXX XXXX. The Atty for XXXX could not produce proof of payment on the debt within the statute of limitations. I requested a continuance of one week as XXXX XXXX ( one week later was my vacation and I could come to court and request dismissal on that date for their failure to produce proof of collectability ). The Atty for XXXX stated, " one week is not enough time to get the proof " and protested my asking for it on " too short a notice ''. Therefore, a continuance was granted until XXXX XXXX, which therefore requires me to give up some of my planned XXXX vacation to return to court or face a court issued judgement against me. It is my view that, given that Statute of limitations is expired and, alos given that Calvary filed suit against me and summoned me to court on XXXX XXXX, XXXX, they should have brought the proof of collectability with them on that court date ( they had 2 1/2 months to get it ). The case should be dismissed, but I also wish to pursue XXXX as it is my understanding that a court judgement in XXXX has been rendered against them for the same violation : bringing suit outside the statute of limitations and summoning people before the Court without standing to do so ( no proof of collectabilty ). XXXX has confirmed that they are obligated to tell me under the FCRA that the debt had been written off in XXXX XXXX with last payment more than 120 days prior ( XXXX XXXX ), the case was filed XXXX XXXX ( outside the 3 year statute in XXXX. Further XXXX told me that XXXX and Calvary have placed the collection report on my credit report despite lack of standing ( attempt to re-age the debt ) I wish to file suit against them for damages related to their abuse of process and I want them to lose their right to act as a debt collector in the XXXX.
01/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30127
Web Servicemember
This is a Copy of what I wrote the Collection Company Calvary Portfolio Services for Account # XXXX on XX/XX/2018. This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. They did not provide any of the things I requested. I am attaching a copy of the letter they sent in response. I considerate alleged debt settled.
09/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • XXXXX
Web
This is fraudulent collection opened by someone who stole my identity. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( Emphasis added ) Therefore I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. I respectfully request that you provide me with the following : 1. The amount of the debt ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect debts in Maryland ; 5. Proof that the original creditor attempted or contacted me regarding this debt ( certified mail, letter, etc ... ) I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Couple years ago, I have lost my ID along with all my information which had all 3 bureaus place a credit fraud alert on my credit as a result of identity theft. As a result, on XX/XX/XXXX, I have disputed with the CFPB and have all the disputed items removed from my credit report. Now, enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that claimed an Identity Theft, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. As a matter of fact, this debt has already been successfully disputed through the CFPB on XX/XX/XXXX with complaint number : XXXX and has also been successfully removed from my credit report. Sincerely, XXXX XXXX
10/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46516
Web
I noticed an account on my credit reports from a company called CAVALRY PORTFOLIO SERVICING that I never had any business relationship with. CAVALRY PORTFOLIO SERVICING was attempting to collect on a an alleged debt in the amount of {$800.00}. I then sent CAVALRY PORTFOLIO SERVICING a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between CAVALRY PORTFOLIO SERVICING and myself and the original application for the account. CAVALRY PORTFOLIO SERVICING violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity. I have had my identity stolen and sent CAVALRY PORTFOLIO SERVICING a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent CAVALRY PORTFOLIO SERVICING account with the credit bureaus. CAVALRY PORTFOLIO SERVICING however continued reporting this fraudulent CAVALRY PORTFOLIO SERVICING account with the credit bureaus. XX/XX/2023 I noticed CAVALRY PORTFOLIO SERVICING still reporting this fraudulent CAVALRY PORTFOLIO SERVICING account with the credit bureaus. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) CAVALRY PORTFOLIO SERVICING was required to cease collection efforts until the alleged debt was validated but failed to do so. CAVALRY PORTFOLIO SERVICING continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent CAVALRY PORTFOLIO SERVICING account XXXX, XXXX and XX/XX/2023 on my credit reports. I sent CAVALRY PORTFOLIO SERVICING a FAILURE TO RESPOND letter via certified mail XX/XX/2023. CAVALRY PORTFOLIO SERVICING violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. XXXX XXXX XXXX violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. CAVALRY PORTFOLIO SERVICING violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) CAVALRY PORTFOLIO SERVICING was required to cease collection efforts until the alleged debt was validated but failed to do so. CAVALRY PORTFOLIO SERVICING continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, CAVALRY PORTFOLIO SERVICING FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. CAVALRY PORTFOLIO SERVICING violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent CAVALRY PORTFOLIO SERVICING account XX/XX/2023 on my credit reports and it is still there as of this filing.
01/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30519
Web Servicemember
XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZXXXX XXXX XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
02/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10456
Web Servicemember
XX/XX/2021 XXXX A XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX {$1600.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
12/31/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31705
Web Servicemember
XXXX and these company have admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over three years ago. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. I have been targeted by criminals about 4 years ago, or so. They are mendacious in saying this breach started in XXXX XXXX. In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. These collection companies know very well these are no my accounts ; however, these collection companies are seeing blood in the water, they are focused like the sharks they are. We must close these collection companies that unabashed in ruining Veterans and XXXX XXXX Family Members credit reputations. They are still with this trickery and foolery. I need to know what could be done to these companies criminally. Those accounts are either, fraudulent, my daughter, or my son. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint, and letting other consumers know. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deed against them. They are more disturbed at me, and worried about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at the collection companies, and XXXX. These are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, and XXXX and these collection companies are in the business of making money legally, or illegally. These companies are much more than a credit reporting agency. It is a data broker, and thieves living like XXXX XXXX. It collects information from all of us, analyzes it all, and then sell them. They retaliated against me for filing a complaint with C.F.P.B. This retribution came instant within hours after I filed. As a Veteran who fought for this country, and a XXXX XXXX Family Member. They dont care who they XXXX over to save their brand and they thieving ways. These are authentic and true words. Basically, this quote is stating what I am complaining about, that these companies dont care. I learned this the hard way after these companies caused me to lose my V. A. loan, they are creating havoc in my life. They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop criminalizing this Veteran, and this XXXX XXXX Family member. I am filing this again because they admonished, and castigated me for filing an earlier complaint. XXXX and these companies are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. They are too stubborn and too XXXX to satisfy the consumer, and they are too concerned about XXXX, and these companies brand at the expense of a Veteran, who is a XXXX XXXX Family Member too. This is very sad, and they must punish.
10/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11207
Web
XXXX XXXX Todays date : XX/XX/XXXX XXXX XXXX XXXX XXXX New York XXXX CAVALRY-PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Social Security Number : XXXX XXXX : ACCOUNT IN DISPUTES : XXXX-Acc # XXXX Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : XXXX DL # : XXXX XXXX XXXX D.O.B. : XX/XX/XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX, IA XXXX Tel : ( XXXX ) XXXX Cc : Attorney Generals Office, Consumer Complaint XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX : XXXX
05/23/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 337XX
Web
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy You, CAVALRY SPV I , LLC and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k. I take this lawful action ordering judgment against you. A court of competent jurisdiction can add additional damages it deems necessary. For your violations, I am assessing a penalty/fine of {$86000.00} to be settled immediately upon receiving this communication, you have 5 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a {$2500.00} additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal.
06/19/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46201
Web Older American
Capital collections did knowingly and intentionally misrepresented the collection account and committed fraud with the payment of a debt. As per my ( 7 ) previous appeals to the CFPB you will be able to follow the information that I have previously submitted and conclusively determine that a material misrepresentation of the facts was intentional given to commit fraud. I have submitted ( 7 ) previous disputes on the matter with CFPB, and only through the course of verifying personally that the account that I paid in full was purposely misrepresented as the account on my credit report. Please verify all information I am about to provide with the complaint ( s ) and correspondence previously submitted by me. First part of XXXX I was contacted by a Capital representative by phone and was told it was to collect a debt for the exact amount on my existing credit report. I met arrangements and paid that debt in full to XXXX and XXXX. The phone call was recorded. The delay between the initial call and payment was to have an email sent to me with the settlement offer in writing. On that conversation, which was recorded, I verified that the amount currently left on my credit report would be removed in full. After payment and as clearly demonstrated by my first ( 5 ) appeals to the CFPB you will note that my request for assistance from the CFPB shows the difference between the original amount and the settled amount. It took ( 5 ) appeals to have it removed. It was never on my credit report before, and was certainly not on the credit report at time of phone conversation with the Capital representative. At this point Capital collections committed fraud with a material misrepresentation of the account and facts. It took ( 4 ) additional disputes for me to call XXXX and XXXX to inquire why my paid account was not reflecting paid. I was told by the representative of XXXX and XXXX that my account was closed on XX/XX/XXXX and was paid in full. I was transferred from the office in NJ to the office in Florida and spoke with the manager. I was informed by the manager to hold on and after ( 2 ) five minutes wait that there was another open account with Capital that he could not legally discuss and gave me Capitals direct number. Upon calling Capital and giving my name and last four of my social I was informed by the representative that she could not handle my case and was transferred to elevated special customer service. I had never spoken with Capital previously, as I believed through a representative of Capital that my only account with them had been paid in full, with written settlement offer on a recorded line. It had taken me months and ( 9 ) complaints with the CFPB to uncover their fraudulent behavior. Please review the recorded conversation with Capital and verify the information given with the documentation provided by my credit report and the documents submitted during requesting help from the CFPB. Please advise me as to the course of action I can take against this company for fraudulent activity while engaging in material misrepresentation of the only account listed on my credit report at time of settlement and the subsequent addition of a different account in an effort to validate said illegal transactions. The additional amount was added after the fact and clearly represents intent to defraud through material misrepresentation.
11/10/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77044
Web
I requested written investigation/verification of an alleged debt, Lates/CO under the FCBA & FDCPA I requested written investigation/verification of an alleged Lates/CO under the FCBA from Cavalry Portfolio Services DEBT BUYER that " Cavalry Portfolio Services '' claim I owe, but to no avail did they investigate/verify the alleged debt or even alleged late pays/charge off on specific dates. I requested a investigation/verification of this alleged debt & lates from " Cavalry Portfolio Services ''. I have yet to receive a response - their silence is their agreement to the facts. " Cavalry Portfolio Services '' failed to provide me with a legal verification/validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. Yes, in the state of TX a creditor that collects its on debt is covered under the TDCPA.I am demanding that " Cavalry Portfolio Services '' delete this account/derogatory information from all credit reporting agencies ( XXXX, XXXX, XXXX ), because they have not abided by the laws of the Federal Trade Commission, FCBA, FCRA, TDCPA. a.When notified of a dispute about information furnished to a CRA, 1681s-2 ( b ) obligates a person to conduct an investigation and report the results to the CRA. 15 U.S.C. 1681s-2 ( b ) ( 1 ). The XXXX XXXX has held that investigation must be a reasonable XXXX " to determine whether the disputed information can be verified. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .b.As the court noted in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX JMR/FLN, 2007 XXXX ( XXXX XXXX XXXX ), " the majority of courts considering the question have drawn upon defamation 's traditional 'multiple-publications rule '. Under this rule, each publication of the same falsehood by the same defamer is a separate cause of action, thus starting the limitations clock anew. '' ( citing Restatement ( XXXX ) of XXXX XXXX ( 1 ). In the FCRA context, this means each transmission of an erroneous credit information is a separate FCRA violation. Cavalry Portfolio Services did n't answer the following that I asked for below and signed contract agreement : *A copy of the original signed credit application showing the terms of the agreement. *A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. *Copies of all documents and financial instruments used to pay the disputed late payments. *Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. *Copies of all documents sent to me regarding my account. *Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations. *Please provide proof of receipt of payment to Cavalry Portfolio Services XXXX and Cavalry Portfolio Services policies for investigating this type of dispute. *Please also provide the required employee handbook sections that describe your company 's methods when dealing with lost or misapplied payments, computer glitches ( down time ) for manual payments, Cavalry Portfolio Services methods when dealing with lost or misapplied payments and the internal procedures for review and investigation of misapplied payments.
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60047
Web Servicemember
On or about XX/XX/2022, Cavalry Portfolio Services ( XXXX ) purchased information of a charged of account from XXXX XXXX. CPS immediately began reporting this invalid information to credit bureaus as an open account citing a debt amount of {$1800.00}. CPS did not serve any notice or communication prior to reporting this erroneous debt to the bureaus. Per XXXX, the debt was reported to the bureaus on the same day the account was purchased and assigned ( XX/XX/2022 ). CPS thereafter began reaching out to me contacting my cellphone in an attempt to advise me that they were attempting to collect a debt on behalf of XXXX XXXX. Per that initial conversation, I advised their agent that I do not owe anything to XXXX XXXX because the account was charged-off behind negotiations after a stint of financial hardships. I also advised that I do not owe anything to CPS as I have no business relationship with CPS and that I would not accept phone calls of such a nature. I made it clear that any correspondence regarding validation of the debt would be required and must be provided through postal mail. Subsequently, CPS mailed a letter to me which further indicated that they were either retained or assigned to attempt to collect a debt on behalf of CPS. On XX/XX/2022, having knowledge that the information CPS was attesting as fact was not valid and could not be corroborated without proof, I immediately contacted XXXX XXXX to file a dispute citing the same general information I gave to their agent on the phone. XXXX XXXX later reported the debt as being validated, showing that CPS presented information showing the account was purchased and thereby assigned to them. Thus, making their prior claims using the phrases of on behalf of or assignee of XXXX XXXX are attempts to make authoritative impersonations. If they had a valid debt, they would produce the originating wet ink signature documents or some evidence of a transfer of payments from me to CPS to substantiate that I was aware and acknowledged an account with CPS. I was served a summons a week ago and found that CPS has failed to advise the court of the disputes verbalized and filed with the bureaus. In their claims to the court, they state that I refused to pay. I have made no refusals. I have simply requested validation of the debt by originating instruments of contract between me and CPS or between me and XXXX XXXX. I have requested proof of any financial payment transactions made from me made payable to CPS. CPS has essentially reported information to the bureaus and the court which fail to validate any knowledgeable engagement of a business relationship between myself and CPS thereby making their claims frivolous. After receiving service, I contacted the bureaus to confirm the date of my initial dispute. After speaking with XXXX directly, I have reopened their investigation into CPS claims as they never provided proof of original construct or payments. Also, as their court claims evidence shows to XXXX, they reported the debt on the same date of purchase. Thus, at no point was notice provided nor was there establishment with me of an engaged business relationship. So, the reporting of this debt was inconsistent with requirements established by the FCRA.
01/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33032
Web
CAVALRY {$2800.00} On XX/XX/XXXX I sent a Cease letter to Cavalry which is attempting to collect a debt that is expired, has not been verified and continues to try to re-age this account. On XX/XX/XXXX they responded to a complaint I placed with the CFPB on XX/XX/XXXX stating they were aware of the cease request but yet still send me a notice on XX/XX/XXXX. In their response on XX/XX/XXXX they stated that the debt for {$2800.00} was CO on or about XX/XX/XXXX and XXXX shows a date of first delinquency of XX/XX/XXXX and Cavalry has only sent me a bill with a due date of XX/XX/XXXX for the time frame of ( XXXX ). If the account was charged off on XX/XX/XXXX why do I have a bill on XX/XX/XXXX and why has Cavalry not sent me the Charge off notice from this creditor. Why have they not provided me with the information I requested showing they own this debt? Also charges off are normally 180 days from the date of last payment so what is the true date of first delinquency. I never got a notice of validation from Cavalry and asked them time and time again to provide me with all the information to help verify they even have a right to collection on this account which they have not been able to provide. Not to mention they are attempting to collect a debt well out of the statue of limitation for the state of Florida and continue to report this on my account without providing me with any real reason to believe they have any rights to this debt. Also have violated the cease order after knowing as they stated in the response on XX/XX/XXXX and still sent a request 2 days later on XX/XX/XXXX. CAVALRY {$4100.00} On XX/XX/XXXX I sent a Cease letter to Cavalry which is attempting to collect a debt that is expired, has not been verified and continues to try to re-age this account. On XX/XX/XXXX they responded to a complaint I placed with the CFPB on XX/XX/XXXX stating they were aware of the cease request but yet still send me a notice on XX/XX/XXXX. In their response on XX/XX/XXXX they stated that the debt for {$4100.00} was CO on or about XX/XX/XXXX and XXXX shows a date of first delinquency of XX/XX/XXXX and Cavalry has only sent me a bill with a due date of XX/XX/XXXX for the time frame of ( XXXX ). If the account was charged off on or about XX/XX/XXXX the why has do i have a bill for XX/XX/XXXX and why has Cavalry not sent me the Charge off notice from this creditor. Why have they not provided me with the information I requested showing they own this debt? Also charges off are normally 180 days from the date of last payment so what is the true date of first delinquency. I never got a notice of validation from Cavalry and asked them time and time again to provide me with all the information to help verify they even have a right to collection on this account which they have not been able to provide. Not to mention they are attempting to collect a debt well out of the statue of limitation for the state of Florida and continue to report this on my account without providing me with any real reason to believe they have any rights to this debt. Also have violated the cease order after knowing as they stated in the response on XX/XX/XXXX and still sent a request 2 days later on XX/XX/XXXX.
10/03/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 33025
Web Servicemember
This report is in regards to a XXXX credit card and debt sale and collection actions by Cavalry SPV I LLC. XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX veteran on XXXX income only. I was adjudicated as XXXX XXXX XXXX effective XX/XX/XXXX, but the decision took until XX/XX/XXXX for adjudication by SSA, In XX/XX/XXXX I notified XXXX of my XXXX and impending homelessness due to the decision delay by SSA. I had previously accepted the offer from XXXX for the add on service to payoff the balance if I became unemployed or XXXX. On XX/XX/XXXX I received an update from XXXX XXXX, Reference : XXXX, requiring phone contact to which I was medically unable to respond. I was homeless until XX/XX/XXXX when the VA and XXXX XXXX secured housing and food and established my VA medical care. Through their legal aid program they contacted XXXX on my behalf in XX/XX/XXXX which XXXX never responded to. The negative credit reporting by XXXX was a major issue in the XXXX XXXX securing housing for me even when they were paying the rent directly with their financial resources. XXXX continued the negative reporting and failed to include my account in the CFPB investigation and fines levied against them in XX/XX/XXXX. After the CFPB case was resolved, XXXX sold my account to Calvary SVP I LLC. Calvary SVP I LLC. then began contacting me directly by mail and telephone to collect on the account bypassing my legal representation who had contacted XXXX. Both XXXX and Calvary SVP I LLC were simultaneously reporting negative information on the same account to this day. Calvary SVP I LLC. filed civil suit in XXXX County Florida small claims court case number XXXX filed XX/XX/XXXX. PlaintiffCavalry SPV I LLC XXXX, XXXX XXXX, XXXX. Retained Bar ID : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX The account was protected by the add on service XXXX offered. It should have been paid off without negative credit reporting. XXXX failed to disclose this fraudulent failure to provide benefit during the CFPB investigation leading to the estimated {$700.00} million dollar fine in XX/XX/XXXX. XXXX then packaged and sold the account to Cavalry SPV I LLC without disclosure to the CFPB or my legal representation. XXXX continues to report negatively on the account. Cavalry SPV I LLC was informed by my legal representative of the prior actions by XXXX and refused to respond through their attorney, Cavalry SPV I LLC has been reporting negatively on the account since they purchased it from XXXX. It is currently listed as in collection. Cavalry SPV I LLC filed the Civil lawsuit for debt recovery just as my federal student loans were approved for total permanent XXXX discharge, indicating that they were monitoring my credit to decide whether to sue federal since student loans would have preferential treatment in collections or bankruptcy, I believe that I have been denied my benefit of balance payoff by fraud by XXXX. I believe that the type of XXXX may have been a factor in thir actions. I have been denied due process by having the account sold to Cavalry SPV I LLC and being contacted directly for collections actions while I had established legal representation.
12/04/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29203
Web
XXXX XXXX I found out I was pregnant with my XXXX XXXX I continued to work until I just could not anymore. The XXXX made it very hard for me to stand up for long periods and I was constantly XXXX so XXXX XXXX, XXXX was my last day at work. Due to not working I was got behind on my car payment. XXXX XXXX, XXXX I gave XXXX XXXXo my beautiful XXXX XXXX and then my car was repossessed on XXXX XXXX, XXXX. It was very hard for me being I just had a XXXX to get around so I was really trying to get my car back. When the finance company contacted me sometime the beginning of XXXX XXXX with the amount I needed to pay to get my car back which was like a little over {$1000.00} I was not able to make that payment. I told them if I came up with the money I would call them back. I called XXXX XXXX, XXXX because I was going to borrow the money, I was told the car was already sold on XXXX XXXX and that I would have to call back to see what amount I owed if any after they put everything in the system. Well sometime in XXXX I received a letter showing amount that was owed after all the sale and I owed them {$9600.00} I went back to work XXXX XXXX, XXXX and was getting back on my feet financially so after a few checks I called them to make payments because I did not want to owe them I paid {$350.00} in XXXX XXXX and XXXX I paid {$300.00}. Well in XXXX I was not able to make any more payments I had move into a new place and was trying to get back on tract with a lot of my current bills. XXXX XXXX after I received my income taxes I made a {$3000.00} payment leaving my balance at {$5900.00}. I was told as long as I made a large lump sum they would remove any interest if any was accrued. Well I was not able to make another large sum like that until that XXXX of XXXX my boyfriend new how much I wanted to pay that bill off he gave me {$2500.00} to pay on it. My new balance was {$3400.00}. I was had plans on just paying the rest off with my income taxes in XXXX XXXX. The finance company called me sometime in XXXX XXXX I remember the month because my mom had just had a XXXX and was in the XXXX. The lady that called me from the finance company called to ask was I able to make another payment I told I was not I had a lot going on my mother was in the XXXX and I was a XXXX mother. The lady said if I was n't going to be able to pay the balance off before XXXX XXXX that they were going to take me to court. I was very upset because I had been trying my best to get this balance paid off and so we got into an argument because I did not like the way she talked to me and I hung up the phone and left it at that. I stopped answering any there calls. Well eventually it showed up on my credit for {$11000.00} with XXXX XXXX and then in XXXX XXXX with a collection agency called Cavalry Portfolio for {$6800.00} I asked for validation of this debt and they sent me my original contract with XXXXXXXX XXXX XXXX saying I owed XXXX which was the amount I finance the car for and I am just confused on how they came up with these amounts. I have attached the original letter that was sent to me in XXXX XXXX from XXXX XXXX showing the final amount of {$9600.00} before I made my payments. totaling up to {$6100.00}
06/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 92880
Web
I would like to file a complaint and alert the authorities that CAVALRY SPV I LLC - a debt collector, debt buyer and furnisher of information to the 3 credit bureaus, XXXX, XXXX AND XXXX has not been handling my disputes in compliance with the law. In XX/XX/XXXX I received a letter claiming I owed {$990.00} to Cavalry SPV. I responded within 3 days of receiving this letter, disputing the validity of the debt and informing them that I had been a victim of ID theft as I never applied for, used, consented to acquiring this debt or ever used this credit card. XX/XX/XXXX I received a response from Cavalry asking me to complete their Victim of ID Theft Affidavit. I completed, signed and mailed it back. 45 days later, CAVALRY filed a lawsuit against me in the Superior Court of CA in an attempt to collect the {$990.00} debt I had told them DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY to payment of this debt. I was shocked. I was embarrassed. I was scared! Cavalry NEVER notified me of any investigation they completed regarding the validity of their claim that I owed this debt. I was so frustrated after checking my credit report and seeing it was tras hed! 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like Cavalry who can ruthlessly destroy the lives of some people. I filed a police report. FTC report and forwarded it to Cavalry who did nothing but continue to report this debt to all 3 credit bureaus AS VERIFIED!!! I sent them a copy of my DRIVERS LICENSE WHICH HAS A DIFFERENT name than the person they named as defendant. My name is XXXX XXXX XXXX Theyre suing XXXX XXXX. I filed a Discovery Motion requesting information about this debt. All they gave me was credit card statements. On a XX/XX/XXXX statement it says transactions took place in XXXX XXXX, CA on XX/XX/XXXX however I was in XXXX, Texas for XXXX XXXX XXXX and provided them with proof. Again highlighting that this is NOT MY DEBT! From XX/XX/XXXX to XX/XX/XXXX CAVALRY SPV is reporting that I owe this debt of {$990.00}. XX/XX/XXXX they were alerted that this debt was a RESULT OF FRAUD. They did not change the information they furnished. I complained directly to XXXX XXXX and XXXX and they notified CAVALRY. Then the credit bureaus responded that the DEBT WAS VERIFIED AS ACCURATE! How? Impossible!! Ive been racking my brain trying to find out who stole my identity and they are able to verify it as accurate?! How?!!! Thats impossible! There needs to be more transparency. Are the credit reporting agencies and the debt buyers one and the same? Shouldnt the 3 agencies be NEUTRAL and worried only that information is true and correct? FOR EXAMPLE, XXXX notified CAVALRY that I disputed the debt belonged to me. I provided XXXX with police report, affidavit, and other documents and XXXX notified Cavalry. Cavalry then responded with debt is verified and Experian closed my case! For 9 months CAVALRY has known that they purchased a debt that was obtained fraudulently and that I am a victim. They have done nothing. Please help me as they dont care about anything I have to say.
03/16/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 850XX
Web
I have an old credit card debt now owned by Cavalry Portfolio Services. They have placed the debt with a debt collection law practice called XXXX XXXX XXXX. On XX/XX/2022, I called XXXX who referred me to XXXX. I called XXXX and I spoke to a representative named XXXX XXXX, who said it was unclear whether they were still retained and to call back the next day. On XX/XX/2022 ( a Friday ), I called XXXX XXXX again at XXXX, who told me the same thing and to try again Monday or Tuesday, but that if it were Tuesday, he'd be out of the office for a period of time and so to speak to any other rep. On XX/XX/2022, I called XXXX times but no one ever answered at any number I was able to find for XXXX. On XX/XX/2022, I spoke to another representative at XXXX, and started the process to make payment arrangements on this account. The representative falsely told me that as part of this process they were required -- REQUIRED -- by the State of Arizona to charge interest ( false statement 1 ). When I said -- and this call was recorded, as all calls to XXXX are -- that no, charging interest was optional, and they didn't " have '' to, he repeated the statement ( false statement 2 ). When I stated then that they would be charging the full 10 % interest that the State of Arizona allows to be collected on debtor judgments, he said, no, he couldn't tell me what the interest would be, but that it might be 4 or 5 % ( again, falsely stating the facts : If the State of Arizona mandated they charge interest, that rate would be fixed by statute. ) This call lasted XXXX minutes, originating at XXXX XXXX from my personal mobile device. DESPITE my reservations about having been lied to, I still went ahead and set up an agreement to pay off this debt, including providing my account numbers and setting up payments to wipe out this debt in 24 months with no reduction or settlement ( and including the " mandated '' interest. ) This representative said they would be sending out a Note and Confession of Judgment ( not his words, but in fact, if not specification ) and to return them immediately. Again, despite my reservations, I agreed. Today -- XX/XX/2022 -- I received a letter dated XX/XX/XXXX from XXXX XXXX Firm informing me they had NOT received the Note & Confession requiring me to sign the Note & Confession and return it to them within 7 days. This is now where I draw the line : They're setting me up to sue me because I " violated my agreement. '' I spoke to the representative ON THE XXXX. The earliest the Note & Confession could have been postmarked would've been the XXXX. They're giving me 7 days to sign and return something I HAVE NOT EVEN RECEIVED YET ( assuming they even sent it. ) EVEN if it arrived tomorrow, the XXXX, -- and I doubt it will because I don't think the Note & Confession are even in the mail yet -- the EARLIEST they could POSSIBLY receive it would be Friday the XXXX, and there's probably a very good chance they wouldn't until their arbitrary and unnecessary -- they already have my account information to process payments! -- deadline had passed. Factoring this absurd manipulation into their repeated violations of the FDCPA
08/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • NY
  • 144XX
Web
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Calvalry XXXX, NY XXXX Re : Original Institution XXXX. XXXX.A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} I have received information from, XXXX, ( XX/XX/XXXX ), XXXX respond information via CFPB ( XX/XX/XXXX ) and Cavalrys ( XX/XX/XXXX ), copy of XXXX information regarding A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} regarding my complain to CFPB. I am disappointed that the entire document compiled by XXXX and Cavalry did not include original term of agreement between XXXX and myself and Credit Protector fee, and how the interest, late fee or over the limit fees are accumulated and why, any record showing, how much were deducted for Credit Protector in case of unemployment or medical, issues and when was the last activities in the card. I am asking again furnish me with the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. Indicate clearly how the interest fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges like Credit protector are expressly authorized by the agreement creating the debt or are permitted by law. I have been unemployed and XXXX for a long time due to three different motor accident and XXXX and my only source of income is US {$XXXX} from XXXX XXXX XXXX/retirement ; despite that I had been paying my debts with the help of my wife who had decided to discontinue helping until the date I stopped paying all my bills. I have not seen any XXXX report indicating that they were helped with that side of benefit. XXXX who apparently sold use their legal resources to harass me and failed to meet their obligation to assist their card member in any event resulting from medical issue, or unemployment. XXXX finds it easy to sell such account to debt collector and they fail to let the Debt Collector the Calvalry know that, Medical Record had been supplied to XXXX, Protection Service who had been deducting freely from this account. Credit Protector Fee is supposed to help the Card member in any event resulting from medical reason or while they are undergoing medical treatment or unemployed, instead I am penalized for over the limit, late fee and other fees XXXX feel they have the right to charged THESE MONEY while they were not honoring my unemployment and medical condition. This information have not been included this in the documents you provided by XXXX and Calvalry and yet they are threatening to garnish my only source of income. XXXX failed to honor their word ; they have all the Doctor report like other who other waived or stop bothering me due to my unemployment and medical condition. I have 2 XXXX Degrees, and tried to work with XXXX XXXX XXXX without success. My medical condition has not changed in addition I had two XXXX XXXX and undergoing XXXX XXXX up to now. Sincerely, XXXX XXXX Cc. : XXXX CFPB
05/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 14215
Web
XXXX XXXX Action towards Cavalry SPV I , LLC for violating fair debt collection practices in the State of New York. Concern : This is a complaint about Cavalry SPV I , LLC, a debt collector disclosing personal debt information to neighbors. This action has taken place about three times ; also, I am unsure of the legitimacy of their documents. My name is XXXX XXXX, and on Midday, On XX/XX/XXXX, an overzealous server used unscrupulous tactics when she came to the home at XXXX XXXX XXXX in XXXX, New York, on behalf of Cavalry SPV I , LLC. During this time, this woman franticly began ringing the doorbell multiple times as if it's an emergency. For months I have been ill with a XXXX condition called XXXX XXXX that makes me very weak to the point of bed rest, which I am also receiving XXXX XXXX that are similar to XXXX. ( I am not allowed to have much public interaction due to a XXXX immune system ) On this day when hearing the doorbell ring multiple times as if someone was lying on the bell. My caregiver, in a panic, went to the window. When asking the person to identify themselves, this female server mumbles her name and says " yeah '' she was looking for XXXX XXXX. When told she is not available, the woman was asked to leave. This rude woman begins to yell out loudly, " I am looking for XXXX XXXX. " I have a court order summons from a debt collector to contact her '' " XXXX XXXX, anyone, I have a court order summons 's from a debt collector trying to reach her ''. She not only repeats this loudly three times! she begins to laugh about it, according to the caregiver. My caregiver records this yelling over her cellphone and gets a call from the downstairs neighbor before she brings this to my bed. My downstairs neighbor goes to her window and tells the woman her name is XXXX XXXX, and no one has seen XXXX XXXX in some time and asks her to leave. The women repeat her rant to her and says Ok, XXXX XXXX, but I see a mailbox. The neighbor informs her again that she is not XXXX XXXX. The mailbox does not have anyone 's name on it. The server then puts the court notice in the mailbox without an envelope laughing and walking away, according to both the caregiver and the downstairs neighbor XXXX XXXX. A photo was taken as to how the server put the notice in the mailbox with no envelope allowing XXXX XXXX to read the notice. Three other neighbors were outside and witnessed this women 's behavior. When they heard her yelling, the neighbor who has a camera on their home mentioned she might have recognized this woman doing this before. She also stated the possibility of seeing this woman before performing this unruly tactic for several years in what she perceives as XXXX and XXXX neighborhoods for another company XXXX collections. On XX/XX/XXXX, another notice was placed in the mailbox, this time in an envelope. Under 2014, DFS 23 NYCRR 1, a regulation to reform debt collection practices by debt collectors, including third-party debt collectors and debt buyers. Cavalry SPV I , LLC. Is responsible for the actions of the people they hire and the breach of privacy.
07/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77053
Web
I am writing to formally request that Cavalry Portfolio Services validate the alleged debt associated with this account or provide sufficient evidence of a trilateral contract connecting me to the debt within XXXX business days of receiving this letter. If you fail to comply with this request, I will have no choice but to pursue legal remedies, including filing for arbitration, for potential violations such as identity theft. Furthermore, I demand that Cavalry Portfolio Services cease and desist all communication with me, both written and verbal, regarding the alleged debt, except as required by law. Please consider this letter as a formal notice to cease and desist any further contact with me, my family members, my workplace, or any other third party related to this matter. Failure to comply with this request may result in legal consequences for Cavalry Portfolio Services under the provisions of the Fair Debt Collection Practices Act ( FDCPA ). As a responsible consumer, I believe it is my right to ensure the accuracy and legitimacy of any debt claimed against me. Under the FDCPA, I am entitled to request validation of the debt within a reasonable timeframe. Failure to comply with this request may result in legal consequences for Cavalry Portfolio Services. I request the following information to validate the alleged debt : XXXX. The original creditor 's name and address. XXXX. The account number associated with the alleged debt. XXXX. Detailed information regarding the nature and origin of the debt. XXXX. Verification that Cavalry Portfolio Services is licensed to collect debts in my state. XXXX. Any agreements, contracts, or other documentation that demonstrate my contractual obligation to Cavalry Portfolio Services. Please be aware that my request for debt validation is not an acknowledgment of any liability for the alleged debt. I am merely exercising my rights as a consumer under the FDCPA. It is crucial that you provide me with the requested information to substantiate your claim. Furthermore, if you fail to validate the debt or provide evidence of a valid contractual relationship within the specified time frame, I demand that Cavalry Portfolio Services remove this account from my consumer report immediately. Inaccurate or unverifiable information on my consumer report is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in further legal action. I expect that Cavalry Portfolio Services will handle this matter promptly and in compliance with all applicable laws and regulations. Failure to do so will leave me with no alternative but to escalate this issue further. Please provide all correspondence and documentation related to this debt validation request in writing to the address listed above. Any phone calls regarding this matter will not be considered as a sufficient response. I anticipate your timely cooperation in resolving this matter. Thank you for your attention to this request. I expect a prompt response within four business days from the date of receipt of this letter. Sincerely, XXXX XXXX
07/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78230
Web
FCRA 611 ( 15 U.S.C. 1681I ) 5 Treatment of inaccurate or unverifiable information ( A ) If after reinvestigation under paragraph 1 of any information that is disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promply delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation. ( ii ) promply notify the furnisher of information that the information has been modified or deleted from the file of the consumer. This debt with Cavalary Portfolio collections hasn't been verified as a legitimate account. The company has not be able to provide the original contract between myself and the lender. Nor have they been able to provide a written statment from the creditor, identifying the collection agency as the legal owner or collector of the account. I've asked multiple times of them to provide validation. The best they have been able to do is send a written statement in the mail along with an outdated bill from the original creditor. This doesn't consistute debt ownership of the collection agency nor legality. Could I pick up a bill from the curb that was found and contact that individual claiming to have legal right to collect? This is a summary of what I wrote to the credit bureaus. I XXXX XXXX am writing this letter to dispute the Cavalry Portfolio companies debt claim. The Original creditor was XXXX XXXX XXXX The account ending in XXXX was filed as a part of a XXXX XXXX bankruptcy as of XX/XX/XXXX. During that time, the amount XXXXXXXX XXXX was claiming repayment for was XXXX dollars according to the XXXX file. All late fees and interest stopped when the account became apart of the bankruptcy. The amount of XXXX that Cavalry Portfolio claims I owe is soley based on an old bill. I disputed this back XXXX XXXX XXXX and during that time, Cavalry responded by letter that they denied any inaccuracies with the debt.I since re-disputed the debt oXXXX XXXX I don't see where they've updated my credit report that the account is in dispute. Again, the amount listed on the credit report is inaccurate and I've included a copy of the XXXX file as proof of it's inaccuracy. In addition, the statute of limitation for a collection company to legally sue on a debt in Texas is four years. It's passed the time frame with the debt being filed in Bankruptcy court on XX/XX/XXXXXXXX With that being said, as a consumer I have a legal right to 100 % accurate reporting through credit bureau 's. I demand that this item be removed from my report or I may need to escalate this account to the Fair Credit Reporting Agency. Thank you for your attention in this matter. Regards, XXXX XXXX XXXX XXXX XXXX Notice of filing search criteria XXXX cag XXXX official form XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX acct ending XXXX total claim XXXX tracking number for XXXX XXXX letter XXXX tracking number for XXXX letter XXXX
11/10/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AR
  • 71913
Web
XXXX XXXX is a debt collection agency. I have never had a contract with them and they sued me for an old credit card. The amount sued for is over double what the credit card limit for the card was. I spent hours drafting and fiiling an answer. Then I spent hours more answering other things questions they sent. I filed all answers with the court. I took off from work and showed up in court because I had not been informed that they had filed a nonsuit. In the mean time I moved. They filed suit again. Again I filed my answer with the court. Again I took off from work, sat through every case and was not called. I asked the court clerk why I was n't called. She said I was rescheduled for XXXX. I asked if I would get notification in the mail, she replied affirmatively. In XXXX XXXX, I called the court to get my court date. I ca n't remember what day it was. However the judge who had been previously assigned the case passed away. Two days before my court date I called about my case, they said that the judge had signed a judgement against me. I had recalled getting a letter from the law firm Cavalry that they had sent to, the judge saying that I did not answer their lawsuit. I did answer it, and I knew, my answer was on file. I also sent the answer registered mail and have the receipt. I thought the judge would look and see that or leave it til court. He did n't. I called the court clerk to complain. She said, I, would have to pay them, {$10.00} for a, transcript plus the judgement amount before i could appeal it. I did n't have that much money. So ever since the company, who should have never had the right to, sue me in, the first place has caused me, a ton of stress and XXXX that led me to quit my job. I since started working some place new, for half the salary. That has caused me a lot of XXXX as I am, struggling to pay for the basics now. But now they 've found my new job and are attempting to garnish the little money that I make. Their lie worked somehow. They are n't owed any money by me. If they bought my debt for {$50.00}, then I 'd gladly pay them that amount. But they have wasted a lot of my time and resources and misrepresented themselves and me in a letter to, the judge. They never intended to show up in court. They continually rescheduled or filed nonsuit without telling me hoping I 'd slip up. I knew this and followed all steps to prevent this. I can barely purchase groceries right now. And even, though I pay for insurance, none of us can afford to see a doctor. This makes me want to give up And receive food stamps and government assistance and, subsidized healthcare. How can Cavalry SPV be allowed to hurt people and the economy this way? I pay and have paid a ton of, money in taxes. What if, in order to support my family because my wages are garnished, I was forced to quit my job to qualify for government benefits? This should be illegal. I have two college degrees and have worked more than XXXX hours a week every single week for the past 7 years just to make it.
01/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85022
Web
I received documents from Calvary Portfolio in response to a complaint I filed with the CFPB recently, stating that this company did not provided me with evidence that the account they allege, is actually my responsibility. In response to this complaint, Calvary Portfolio sent me one document with the name XXXX XXXX XXXX, XXXX Az, as well as a single statement without any name on it, and documents which shows they purchased this account from the original lender, as a secondary collection agency. I have a son, also XXXX XXXX XXXX, who lived at the same address in XXXX Az. An original contract is necessary to distinguish between which XXXX XXXX XXXX this account might belong to, if it belongs to either of us at all. The documents they sent to me in response to the CFPB investigation do not meet the requirements for proving the debt is mine. If they are alleging a breach of contract from where they will seek a judgment, Arizona law requires that a signed contract between the original lender and the borrower be presented in a breach of contract dispute. Calvary Portfolio did not send me the original contract and I must assume that as a secondary collection agency, they do not have the original contract signed by me and the original lender. In Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract, there is no valid claim for breach of contract. Apparently the original cardholder agreement for this alleged debt, states that " Arizona law shall control, '' and, since the contract alleged by Calvary Portfolio does not exist, and this contract was not signed by either party, whatever agreement might have existed, must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Calvary Portfolio 's claim is nearly four years after the date of the last transaction, their case is time barred. Calvary Portfolio has already violated my rights under the CFPB rules by not notifying me before collection efforts began, and now they are continuing to violate my rights by seeking to prosecute a case against me without the original contract required by Arizona law. I am in consultation with an attorney regarding the filing of a lawsuit against Calvary Portfolio in this matter. I am requesting that Calvary Portfolio cease and desist from all collection efforts in this alleged debt that they have brought against me. I want Calvary Portfolio to remove this alleged debt from all of my credit reports. I want Calvary Portfolio to end any collection efforts, including any future lawsuit that may be filed at an court in Arizona. When I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed, I will cease with my lawsuit and we will consider this matter closed. I expect an answer to this letter no later than XX/XX/2020, so I may proceed accordingly.
12/31/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29651
Web
On XX/XX/XXXX I paid for and downloaded my credit reports from ( XXXX, XXXX, and XXXX ) and noticed that I have an alleged collection being reported by a company named Cavalry Portfolio Services ( each with incomplete and inaccurate account numbers ). I sent notices of dispute on XX/XX/XXXX, but I am dissatisfied with the remarks placed on my credit reports ( XX/XX/XXXX ) that this account " meets FCRA requirements ''. The account listed on my XXXX report is named XXXX XXXX Bank, but upon further review and the matching up of the original balances, opened dates, and address ', I have come to the conclusion that this alleged derogatory account is being reported by Cavalry Portfolio Services as well. Although XXXX XXXX is listed as the original creditor per my XXXX and XXXX reports, I have never been notified by either of these institutions of this alleged debt nor have I ever been notified by these two institutions that they were going to OR have ever placed derogatory items on my credit files under my Social Security number. These actions are in complete VIOLATION of my consumer rights and illegal per FCRA 623 ( a ) ( 7 ) ( b ) ( i ), After closely examining my credit reports, a balance and an Original Balance of {$710.00} were reported to all 3 major credit bureaus on said Date Opened " XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ) ''. Then upon further review I realized that in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 7 months after original balance of {$710.00} reported ), the reported balance reported was listed as {$720.00} in those 3 months ( based upon a 24 month balance history ). If the date opened is in the month of XXXX of XXXX and the original balance is {$710.00}, then how can {$720.00} be reported for those 3 months alone -then resume as the stated original balance of {$710.00} for the months of XX/XX/XXXX and forward. I've never contacted nor have I ever been contacted by anyone about this alleged, erroneous, fraudulent debt and never have I paid this company Cavalry Portfolio Services {$1.00}. I fully believe that this may have been an unlawful tactic to re-age this alleged debt in order to extend this alleged debt 's ORIGINAL statute of limitations beyond the state of South Carolina 's medical and credit card statute of limitations to further damage my credit file! I hereby refuse to accept the allegations and repercussions of this incorrect and inaccurate account associated with my Social Security number without any signed law binding contractual obligation between myself AND Cavalry Portfolio Services! ( see attached documents of credit reports ) Let me add that upon trying to submit this complaint, It wouldn't accept the name of the business as Cavalry Portfolio Services, but I was able to find that they also go by Cavalry Investments , LLC. ( provided 2 attachments as proof from the South Carolina 's Secretary of State Business Name Search ) *6 total attached documents*
05/05/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37660
Web
I have tried several times to resolve this issue. I have disputed with the credit bureaus and sent multiple debt validation letters to Cavalry and I have yet to receive any validation of this debt. I have filed a dispute with the XXXX and this company mainly keeps stating the same information but has yet to provide me with anything. I don't know any other way to resolve this. I have attached the only thing I have EVER gotten from Calvary Portfolio. I received this in the mail the end of XXXX and onXX/XX/XXXXrequested debt validation -- - anything to prove the debt was mine. I never received anything even after 30 days. On XX/XX/XXXX I sent another request. During this time I also disputed with the credit reporting agencies. Again I never received anything additional in the mail other that what I have attached and that was my first communication from this company. Then on XXXX I filed a compliant against Calvary Portfolio Services with the XXXX and still never received any validation or any additional information from Calvary Portfolio Services. Since then Calvary has responded on numerous occasions that they have validated this debt. How was it validated? I have yet to receive anything. They state that it was mailed to the correct address as it was not returned.. again I have only received the one notice from Calvary Portfolio Services and that was on XX/XX/XXXX and there is a copy attached. The mailing address that I mailed the validation request to was the same one on the settlement offer that I have attached. That address is XXXX XXXX XXXX XXXX, NY XXXX. I have no reason to lie and state that I have not received any additional notifications or validations. According the the FCRA I have the right to receive validation of this debt within 30 days of request. Since Calvary stated that they acquired or purchased this debt in XX/XX/XXXXand I received a settlement notice XX/XX/XXXX and I had requested validation of debt XX/XX/XXXX due to it reporting on my credit report then I believe that I was within the 30 days of initial notification even though it was just a settlement offer. I have lived at this address for years and there is no reason it would have gotten mistakenly placed somewhere else. I have kept good records of my steps that I have taken. I also believe that the last 3 responses that were mainly just repeating themselves or saying this has already been validated is not appropriate at this time and with the circumstances the way that they are. I have seen no proof that you have validated this account or even made an attempt to contact me or to rectify this situation. I am attaching the only thing that I as of today have received from Cavalry and I have also attached Cavalry 's reply to my XXXX complaint which still does not show that information has been provided to me to verify and/or validate that this is my debt. Again, I have only received this one letter which is a settlement agreement from Cavalry.
03/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29209
Web
I received a copy of my credit report on XX/XX/XXXX, where I seen a collection agency listed from XX/XX/XXXX by the name of Cavalry Portfolio Services. I was NEVER contacted, nor given any information in regards to this company. I have absolutely no knowledge of this company and have NEVER been notified by this company. On XX/XX/XXXX I sent a debt validation request, not verification as I have the right to request the contract and proper validation of this debt " claiming '' to be belonging to me and the contract and the amount owed under the FDCPA. On the date of receipt by tracking, that Cavalry received my letter, they reported a {$1.00} decrease in the amount total owed. At first it states {$480.00} now it states {$470.00} on my credit report. I waited for Cavalry to respond and send me proper validation that constitute and aligns with the my rights as a consumer, of which I never received. Also the proof of the license and ability to collect in my state. On XX/XX/XXXX I received a letter from this company dated XX/XX/XXXX, stating they were notating my account as " disputed '' and would write me within 150 days with validation, NOT the proper 30 days that is required by thus set laws. Still did not contain any validation of this debt belonging to myself and the contractual agreement between myself and this company. On XX/XX/XXXX I received a second letter from Cavalry, stating they bought my debt from a company with the same name, and this was my notification of them owning a debt of which I never had a contract with or was ever validated. Stating I have 30 days to respond with a request for validation or else they will assume the debt is mines. " Assuming '' is not legally binding, and they are completely ignoring my request for validation upon initial letter sent to them, in and effort to buy time. This is not correct nor proper, I have already requested debt validation from this company, of which I have yet to receive. Instead I have received the run around. On top of that, placing false information on their forms in an attempt to collect, because they did not properly validate nor notify me of any debt that is claimed to be belonging to myself and then, so in a desperate attempt, they state they sold it to a sub division within their company. The company has the same name, same number, same account number, and is reported to the Credit Bureaus as the same company. They lowered the amount by {$1.00} to falsely make it seem as though, they sold it to cover up the fact, they never notified me, they never presented proper validation, and they have in fact listed erroneous information on my credit report without following the right and proper level guidelines to do so. I feel violated, and yet I STILL have not received VALIDATION of this debt nor a contract, between myself and this company, after I have made the request by mail, have copies, and a certification receipt that they in fact received it.
04/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 334XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX *please send any pleadings or motions to XXXX XXXX XXXX fax COUNTY COURT IN AND FOR XXXX XXXX COUNTY , FLORIDA CASE NO : XXXX CAVALRY SPV I. LLC AS ASSIGNEE OF XXXX PLAINTIFF NOTICE OF HEARING VS. XXXX XXXX XXXX Defendant ( s ) ______________________________/ TO : XXXX. XXXX XXXX XXXX Attorneys for Plaintiff XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( XXXX ) PLEASE BE ADVISED that the above styled Plaintiffs Motion for Summary Judgment before the Honorable XXXX XXXX, Judges of the above styled Court at XXXX County Courthouse, on XX/XX/XXXX at XXXX : XXXX or soon thereafter as counsel can be heard. Defendant 's request a MOTION THIS CASE BE DISMISSED WITH PREJUDICE. PLAINTIFF FAILER TO SEND DEFENDANT DATAIL EVIDENCE REQUESTED XX/XX/XXXX PLEASE SEE ATTACHED A REQUEST MAILED TO PLAINTIFFS ATTORNEY ON MENTION DATE. DEFENDANT WOULD ALSO REQUEST THE COURT FILE FOR A FULL INVESTAGATION ON HOW THE DATE OF THE DEBET THAT TO THE BEST OF MY KNOWLEDDGE DOSE NOT BELONG TO ME. THIS DEBET WAS REMOVED BY XXXX BUT WILL REMOVED AND PUT BACK ON BY THE PLAINTIFF USING A DIFFERENT DATE DEBET WAS OPEN XX/XX/XXXX KEEPING THE STATUTE OF LIMITATION UNDER 5 YEARS. I CALLED THE LAW OFFICE FOR THE PLAINTIF, ON XX/XX/XXXX, I SPOKE TO ONE OF XXXX XXXX, UNIDENTIFIED ASSISTANT, SHE TOLD ME THAT THE DATE DONT MATTER BECAUSE THE JUDGMENT HAS BEEN FILED AGAINST ME AND NOW THEY HAVE 20 YEARS TO COLLECT FROM ME. I MENTION THIS DEBIT AND DATE IS NOT CORRECT I HAVE EQUIFAX DOING A BACK GROWN CHECK OF WHO MADE THE CHANGE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Mr. XXXX, I wanted to inform you that the package with the bank information was received Saturday, XX/XX/XXXX. The copies that were made are very hard to read. I was able to verify the date the bank shows that I stopped paying was not XXXX. As I mentioned to one of your associates that you never sent me any information about the charges on this account. Your associate told me your company had received a judgment against no reason to go to court. For this reason, I will request from the bank why they had reported the wrong date to give them more time on the statue of limitation. I will also file a complaint with the CFPB after I can confirm they have made a mistake reporting the wrong date. I would like a response from you as well to ensure me that also investigated with the bank to make sure they gave you the correct information to the judge. I will wait to hear from you before I send a letter to the courts. Best regards XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Fri, XX/XX/XXXX at XXXXXXXX XXXX Subject : Cavalry Portfolio /XXXX To : XXXX Good morning, XXXX, My name is XXXX XXXX and I obtained a letter from your law firm yesterday. The letter was about a court day for XX/XX/XXXX.
02/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34953
Web
hello XX/XX/XXXX I decided to open an account with XXXX XXXX XXXX, the time I opened the account I was told that If I need to purchase something I can buy with the receipt that they gave me until I receive my new card. on XX/XX/XXXX, I got a call from XXXX, one of their customer services told me that I was late for two months and I told them I didn't get the card or any statement yet how can I have a past due for 60 days? they say yes we have sent you the card and all the statements when I told him to verify the address they actually sent it to the wrong address so the customer service told me they will remove any late fees which they did. They've requested that for the future I can create a XXXX account and set up autopay which I did. The customer service stated that I need to make the payment today or I will get a 60-day overdue report on my credit, so I paid the gentleman {$300.00} that day On XX/XX/XXXX with a check I thought that was it but it wasn't. so in XXXX, I decided to get financing for a new car at the time my credit score was XXXX and I am applying for the car I qualified for with a low-interest rate. When I got to the dealership they have to check again I found out that my credit score has dropped XXXX points, came to find out they did report a 60-day negative payment on me. and it was XXXX. I had no choice but to finance the car with a high-interest rate. I called XXXX more than 28 times and each time I call XXXX they gave me a different supervisor and stated that whomever I had spoken with they don't know their name to they don't work here anymore to asking to give them 30 to reply back to the credit bureaus. I've opened several disputes with the credit bureaus but every single time a dispute was in my favor another person would add the bad credit back to my credit history. so I've decided to pay the credit off so I don't have to deal with XXXX anymore. In XX/XX/XXXX I received a package from Calvary XXXX stating That I owed them {$1700.00} ' I called them to state them that the account was paid off and that's when I found out there was another account opened at the same time and they stated that I was making payment on it, came to find out that XXXX has been taking money from my bank account for 2 different accounts when I only receive 1 credit card from them, so I called XXXX asking them to send me a copy of any statements which they did but with the wrong address. with all that, they refuse to accept responsibility for their mistake. during the beginning year of XXXX Corona Virus time, Calvary XXXX kept on reporting negative history on my credit, I'm self-employed I couldn't get any loan for my business, my credit was XXXX, I couldn't for the PPP Loan I could get any type of credit with SBA, I was forced to close down my business, they've turned my life upside down, my finances my family my mortgage, my car payments and everything else that I've worked for.
09/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11215
Web
Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is XXXX XXXX XXXX ( XXXX ) and the plaintiff/petitioner on the writ is Cavalry SPV I , LLC ( Cavalry ) as an assignee of XXXX XXXX. ( XXXX ). The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. I then contacted XXXX. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. My haste in filing a complaint is an attempt to force XXXX or Cavalry to submit a release of claims within the 10 day window in which my employer is required to respond. I believe XXXX misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, XXXX caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. My complaint will be satisfied when XXXX ( and/or Cavalry ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) XXXX submits to me an apology letter, and 4 ) XXXX posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, XXXX commits to addressing every complaint alleging misidentification. I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.
05/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94605
Web
In XX/XX/XXXX, I received a letter from Cavalry Portfolio Services claiming that I owe them {$1000.00}. I responded on XX/XX/XXXX with a letter requesting that they validate the debt and they responded on XX/XX/XXXX with printouts of old account statements and a bill of sale from XXXX whom they purchased the original debt from. They did not provide an original signed contract as proof of debt so I sent them another letter on XX/XX/XXXX stating what they sent me did not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and also this : " In the case of XXXX XXXX XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. '' However, they were still reporting the collection on my credit report and their response, on XX/XX/XXXX and XX/XX/XXXX to the letter I sent them on XX/XX/XXXX was the exact same printouts they sent me on XX/XX/XXXX.
04/26/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 11213
Web
There is a collection account on my credit report from Cavalry Portfolio Services. It says they are reporting it every single month, which is just another means of harassment to get someone to pay. I have never even taken out a credit card with XXXX XXXX in the amount of {$440.00}. They are also reporting this as late, but I do n't even know how it 's possible to be late on a supposed collection account. I do n't have a contract with them. In fact, on their very own " validation '' it says previous arrangements are not applicable. There 's nothing to be late on. I 've never even been contacted by them. I 've never been contacted by XXXX XXXX about this account either. In fact, I just opened a new credit card account in XXXX with XXXX XXXX, but Cavalry just keeps reporting this collection item and on top of it report it as late every month. I called Cavalry again on XXXX/XXXX/16 at XXXX and requested validation of this debt. I was told that they do not own the debt and that they are not reporting, which again then should n't be on my credit report because it says being reported by Cavalry every single month for YEARS. Cavalry told me that XXXX XXXX owns this account and gave me their number. XXXX told me that they are owned by Cavalry and Cavalry is the one reporting this. I called Cavalry back again at XXXX and I again was told that there 's nothing that they can do and they are n't the ones reporting this although it 's on all three credit reports as such. I called XXXX XXXX back yet again and asked again about validation. I told them that if it is somehow indeed a valid debt that I would pay them, but they just told me that I should just know if a debt is mine or not and if they send me validation that it will just say that I owe {$440.00} and pressured me to just pay them over the phone and when I requested validation yet again they got gruff and hung up. A month and three days later ( today ) I called XXXX back to ask about my alleged account and spoke with XXXX XXXX at XXXX and she told me that after I asked for validation on XXXX, Cavalry recalled the debt the very next day. They are simply trying to hide that they never even owned this debt while they were reporting it, incorrectly reported and are shuffling this back and forth so that I ca n't do anything about it. Cavalry and their subsidiary ( if they even are a subsidiary! ) are just giving me the run around and it 's unethical and this needs to be deleted from my credit reports. Furthermore, each time a debt is assigned or sold to a new collection agency or law firm, that agency must advise me, very specifically, that I have a right to dispute the debt and request verification of the debt. I requested validation of my own volition numerous times and I have NEVER received a right to dispute.This notice is required pursuant to 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act ( FDCPA ).
12/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 344XX
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATEXXXX IN RESPONSE TO CFPB COMPLAINT : XXXX SINCE YOU DID NOT ANSWER TO MY COMPLAIN CORRECTLY AND INCORRECLY STATED THAT I MADE ARRANGEMENT WITH YOUR COMPANY, WHICH IS MY 2ND REQUEST FOR YOU TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. CAVALRY PORTFOLIO SERV XXXX CAVALRY PORTFOLIO SERV XXXX Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Creditor 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
08/24/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 91040
Web Older American
The above listed descriptions of the behavior of the agency are not exactly descriptive of what they do, but I had to mark one option in order to be able to expand on the subject. Let me explain. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. The mortgage bank purposely lost the mountains of documents they requested and in the process protracted the home loan modification period to well over two years. Two years of suffering, not knowing whether the next month we would still be living in the same home. And this is after cooperating with the bank and yielding to their every whim. Regardless, I am so grateful of having achieved this and of my clawing back from a situation that forced others not as fortunate to fall. Tragically some of my debts went without recourse and I lamentably could not pay them back. This credit card debt is one of them. The reason I stated the best description of the issue as being communication tactics is as follows. I noticed that collection letters this company has sent to me appear to be from supposedly the same debt collection company. What I found is that each letter comes from a different entity that is at least outwardly, similarly labeled but importantly different in their content. If you are not careful, you could fall for XXXX of the XXXX statements and options they present to the you, the debtor. For example on one form, they state that because of the age of the debt, they wo n't sue me. On another letter, that is still under the same name overall but a different direct entity, they make no mention of not suing. In fact in this version of the letter they threaten to pursue a judgement. So which is it? Either they wo n't sue me or they will depending on the very vague statement that depends on which form you receive and at which point in the timeline? These are very disturbing tactics that quiet frankly took me an inordinately long time of analysis to catch. They do stress however that they will continue to report it to the credit reporting agency if I do n't pay the balance that I owe plus the interest accrued. I have enclosed images of what they send me routinely in the mail so the reader can compare both communications ; in my opinion very deceitful and dishonest. I can not help but wonder how many unsuspecting people have been the victim of this form of manipulation of the written media. This must be stopped!! These are legal firms with bar-authorized attorney carrying out this form of misrepresentation. Your group could do a great deal to correct this
10/23/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33024
Web
On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.
06/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92707
Web
XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine.

Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX

03/11/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30106
Web Servicemember
This information is not listed on my credit report. On XX/XX/XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called Calvary SPV1 DBA XXXX XXXX XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for XXXX XXXX XXXX. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with Rashaun again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/. On XX/XX/ at XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.
07/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77053
Web
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # : XXXX I am writing this letter to formally lodge a complaint against Cavalry Portfolio Services , LLC regarding your abusive , deceptive, and unfair collection practices in the collection of extensions of credit. As a federally protected consumer, I am deeply concerned about the conduct of your company, and I believe it is essential to address the issue promptly. I refute any alleged agreement or contract, whether implied or explicit, between myself and the original creditor. Moreover, I have never provided any consent for your company to possess my nonpublic personal information. This account is, in fact, a billing error, and I expect you to provide me with documentary evidence of the obligor 's indebtedness. Additionally, I have reason to believe that Cavalry Portfolio Services , LLC is conspiring with consumer reporting agencies to cause a restraint of trade and commerce, which amounts to racketeering activity. Such actions are in violation of the False Claims Act and are seriously jeopardizing my consumer credit reputation with other financial institutions. By fraudulently furnishing this alleged debt to coerce payment, your company has resorted to threats, duress, and coercion, thereby exercising undue influence. I want to make it clear that I am legally refusing to pay this debt under the provisions of 15 U.S. Code 1692c ( c ). Therefore, I demand an immediate cease and desist of all illegal activity, communication, and collection efforts related to this and any alleged debts until Cavalry Portfolio Services , LLC provides sufficient documentary evidence of my legal obligation to pay. Failure to comply with this cease and desist notice will leave me with no choice but to pursue legal action for actual damages caused. In such a scenario, Cavalry Portfolio Service s , LLC will be held accountable for violations of various acts, including but not limited to TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. I hereby request that you promptly provide me with the necessary documents supporting your claims. The receipt of this notice invokes my rights under UCC 1-202f, and I expect a timely response from your company. Your immediate attention to this matter is both requested and required. I anticipate a resolution within [ state a reasonable timeframe, e.g., 30 days ] from the receipt of this letter. Please consider this as an opportunity to rectify the situation and resolve the matter without resorting to legal proceedings. I trust that you will treat this matter with the seriousness it deserves and act in accordance with the applicable laws and regulations. ( ACCOUNT NUMBER : XXXX ) Sincerely, XXXX XXXX
12/03/2015 Yes
  • Credit card
  • Other
  • WA
  • 980XX
Web
Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.
02/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TN
  • 38053
Web
On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XXXX XXXX, XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is XXXX, XXXX, XXXX XXXX XXXX XXXX, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX. It was very intimidating and the phone conversation was intimidating as well.
02/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 105XX
Web
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
01/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information that should be on the report is missing
  • NY
  • 105XX
Web
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
03/13/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • MN
  • 551XX
Web
This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.
01/22/2017 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63031
Web
My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.
10/31/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 33064
Web
So this collection agency Cavalry SPV I apparently sues me, I never received any documentation or subpoena and found out doing a search of my name. I had spoken to this agency in the past when thy called me on my work phone and told them to not call or contact me at work and disputed the debt. About a year later, I received another call, on my work phone I told them not to call, where they threatened to sue, although they were apparently already doing that. Then I got a letter ( can't find original but I did take a pic of it - see pic attached ) stating the debt was too old to sue for - although they were suing me. They wanted to offer to settle the debt which I asked for proof of. I asked them to show me a signature ANYWHERE on the credit application, on a charge slip, anywhere to prove it was actually my debt and they were unable to do so. The address has not been used by me in 10 years since I moved, but they refused to do anything but tell me to pay. I disputed the alleged debt, but they refuse to take it off my credit reports, or show proof. How can I prove it isn't mine when they provide NO information on the OVER 10 YEAR OLD debt? ISN'T THERE A STATUTE OF LIMITATIONS ON DEBT? So when I found out I was being sued, I had an attorney show up to assist me for the hearing on XX/XX/XXXX that I found out online through the court portal that was the court date. Neither the debt collector, nor their attorney, show up for the hearing to try mediation or dismiss the case that day as directed by the XXXX county circuit court. The final hearing was held and because they did not show the judge dismissed it for lack of prosecution because nobody from Cavalry SPV or their attorney showed up for the hearing. I was going to ask to dispute it and prove the debt was really mine, but because nobody for the collection agency showed up, the judge had to dismiss the case. Because they contacted me on a work number that I previously told them not to call, and they did anyway. They threatend to sue me, even though they sent a letter stating they can not sue ( after they called me. ) Then didn't show up for the court date when they did sue me. All of which are breeches of the FCRA. I want to file a complaint and my recourse would be to have this removed from all credit bureaus immediately. It shouldn't even be there because it is over 10 years old too, but Cavalry bought the debt and reported it as a NEW debt, so it is showing it will be on my credit until XX/XX/XXXX, WAY over the 7 year reporting limit on old debt. They alleged in court papers I owe over XXXX, from an address I haven't lived at in 10 years, but zero proof it was really me.
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 22192
Web Servicemember
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) CAVALRY PORT ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ) SEE ATTACHMENT This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
10/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11419
Web
Regarding Calvary Portfolio Services, Account # XXXX Good day, Please assist me for I have no where else to turn for Help. This collections account is showing negatively, unlawfully and inaccurate information on my credit report for months now. Ive first reached out to Calvary Portfolio since XX/XX/XXXX of this year when I found out about their existence on my credit report. Since then, Ive been calling Calvary asking for a validation letter, proof thats it is mine, and signed agreement, and still to this day, I have not received anything. Ive even reached out to Citibank. I saw on my credit report they were the original creditor, and asked for the same requested paperwork. They said to call Portfolio, they no longer own the account. Ive then tried XXXX, XXXX and XXXX, and they all kept stating its verified, but with no proof. All three credit reporting agencies have totally different information on this account showing on my credit report, so it doesnt make sense how they can verify the accuracy of this account without my approval, consent, or have any signed document giving the authorization or validating this account is mine.. First, its an account I have no signed agreement with and no prior written notice of. I have NEVER received anything ( physical paperwork, or phone call, email, nothing of the kind ) from Calvary or XXXX. Ever. Next, Its also an account that shows an address that I have no affiliations with : XXXX XXXX XXXX XXXX XXXX, NY XXXX My address which Ive for over XXXX is listed below. The attachment shows proof of that. Also, its marked as a charge off account since XXXX of XXXX, yet the balance continue to increase? That illegal. Legally, once an account is charged off, the balance freezes, but does not continue to accrue. So whoever this account belongs to, hopefully will catch that error as well. In addition, upon contacting both Calvary Portfolio and XXXX, the original creditor that sold the account, for validation of this account, including ID verification, its now XXXX months of repeated attempts per my request, but yet, Im still left with no documents from them proving this account is mine. Ive attached documents proving the horrible and disgusting means this companys false information is damaging on my credit report for I wish to have this permanently removed from all consumer reporting agencies. Im more upset over the fact that Ive tried for months reaching to all consumer reporting agencies, even requesting proof of their verification attempts, yet Im left with nothing, hence my plea to CFPB. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX
03/07/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • RI
  • 02840
Web Servicemember
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX after they repossessed my car, demanding I pay XXXX immediately to get my car back. I didn't have that money up front and I tried to negotiate with them in working on a payment plan or pay back the payments I had but they wouldn't want to do that and at that time my car was still available. On XX/XX/XXXX I received another letter account number XXXX ( account to auto loan ) had been sold for XXXX! How was I supposed to come up with 8 plus grand in one month! I remember talking with XXXX XXXX XXXX who was so rude and unprofessional that talking to him trying to take care of this was very difficult and he retired shortly after we spoke before XX/XX/XXXX letter. On XX/XX/XXXX I received a letter threatening to sue me for my outstanding loan balance signed by XXXX XXXX. XX/XX/XXXX another threat in attempting to collect the debt by which I never spoke to XXXX because of the first time. Never heard from XXXX though it was sold to a third party debt collector Calvary Portfolio services. Not sure exactly when but it was beginning of XX/XX/XXXX I believe XX/XX/XXXX according to affidavit claim ( letter attached ) On XXXX XXXX I sent Calvary Portfolio a letter asking them to verify the debt before making any payments ( letter attached ). Calvary never responded to the letter within the 30 days according the FCRA and never heard from them until XX/XX/XXXX not sure the exact date I was served a summons for a credit card account with XXXX which I never opened XXXX? I had a line of credit but never owned a credit card. I responded on XX/XX/XXXX and received the summons 20 days before that XX/XX/XXXX. I stated that I object to balance owed and I never took out a CC with them and it was the account ending in XXXX? I don't even know what that account is? I never banked with XXXX after all this. On XX/XX/XXXX I had packet with my paperwork signed by me in regards to the auto loan and the repossession fees etc and a court date of XX/XX/XXXX. I thought the letter was a another attempt to collect and I never showed up to court thinking the state of limitations was long passed and only making a final payment in XX/XX/XXXX. A judgment was entered of the day of the no show and one year later my wages are being garnished through my work! How did they get that information? How did they know where I worked? I was never notified or properly served and I didnt know I could dispute it. I also wasnt given the proper documents to even challenge the judgement I never received anything that there was a judgement against me. I found out after my wages were garnished.
02/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 92301
Web
Cavalry Portfolio Services LLC as assignee of Cavalry SPV I , LLC ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that Calvary states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. Calvary Portfolio Services claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. Cavalry and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. Cavalry has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called Cavalrys ' Collections Attorney ; XXXX XXXX XXXX to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both Cavalry and XXXX on XX/XX/XXXX in which they both received. XXXX XXXX XXXX sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. Calvary filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. Calvary has been attempting to collect a false debt since XX/XX/XXXX. Cavalry obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.
08/20/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
On XXXX XXXX I sent a letter to XXXX XXXX XXXX BOX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that XXXX cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89122
Web
Formal Complaint Against Cavalry Portfolio Services I am writing to file a formal complaint against Cavalry Portfolio Services, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, with contact number XXXX. The purpose of this complaint is to bring to your attention the alleged unfair and deceptive practices I have experienced during interactions with this company. Details of the Complaint : Lack of Validation : Despite my request for debt validation, I have not received adequate documentation or verification of the alleged debt in question. The lack of transparency in providing essential details raises concerns about the validity of the debt. Failure to Cease Communication : I have previously requested that Cavalry Portfolio Services cease communication regarding this debt, as permitted by the FDCPA. However, communication attempts persist, causing unwarranted stress and anxiety. Failure to Provide Information : Requests for detailed information about the debt, including the origin and substantiating documents, have not been adequately addressed. The lack of transparency impedes my ability to assess the legitimacy of the debt. I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Cavalry Portfolio Services. Take appropriate action to ensure compliance with the Fair Debt Collection Practices Act. Facilitate communication between me and Cavalry Portfolio Services to resolve these issues amicably. Enclosed with this letter, please find copies of relevant correspondence, including communication logs and any documentation related to the debt. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to address the alleged violations. Your assistance in resolving this complaint is crucial in protecting consumer rights and promoting fair debt collection practices. accounts Account owner Individual Account Original creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Agency CAVALRY PORTFOLIO SERVICES Creditor Classification Banking Status date XX/XX/XXXX Original amount owed {$2300.00} Balance date XX/XX/XXXX Date of last payment Date of first delinquency Balance owed {$2300.00} Comments Consumer Disputes This Account Information CAVALRY PORTFOLIO SERVICES Account owner Individual Account Original Creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Thank you for your prompt attention to this complaint.
06/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78516
Web
I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XXXX of XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Cavalry responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with Cavalry, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from XXXX and XXXX reflects a different account number for the same account that Cavalry is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is Cavalry still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is XXXX XXXX XXXX offering a settlement on an account that is not verifiable? For the second account, Cavalry merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XX/XX/XXXX states that a payment was due on XX/XX/XXXX, then how can Cavalry say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that Cavalry has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! Cavalry nor XXXX XXXX XXXX provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, Cavalry failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
04/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20748
Web
I was noticing a few days before my direct deposit was supposed post I tried to open my account using my phone and on the computer and I couldn't open my account at all. XX/XX/XXXX ( Thursday ) I called the bank to find out why I couldn't open my account that is when I found out that there was a write of garnishment of property on checking account. I called Cavalry Portfolio Services and spoke to a women ( do not recall the name ) who answered the phone and taken my up dated information and I ask her why didn't they go thru HR with DoD which I've been employed for the past XXXX and not XXXX which was a part job which I have not work for in over a XXXX XXXX she said they couldn't locate me and that was very hard to believe. XX/XX/XXXX : I went to the court house in XXXX XXXX County I spoke with an appointed court attorney explain to them ( her ) that I didn't know a third party company could block my bank account from any debits from my bank account until the entire amount is paid, I have no money to pay any of my bills. I was asked to get copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My concern is this form is the exact form submitted on XX/XX/XXXX .... nine years ago and now submitted again without even trying to locate me or thru the HR department at XXXX XXXX XXXX XXXX where I've been the last XXXX know, I believe this was purposely done, not to collect the amount XXXX XXXX purchased it for but the interest for the past nine years included. Know the other problem I have with this Writ of Summons is .... I was living in XXXX Va. at XXXX XXXX XXXX XXXXXXXX XXXX during time they said I was served or summons ( I have attachments of w-2 form ) and I didn't find it in my last year credit report and I request another for this year. I also believe this account is not mines and I say that because XXXX I was living in XXXX Va. I just do not remember this account .... if my name is attached to this account it may be fraudulent someone may have gotten my info ... really don't believe this my account I just do not remember. is why wait so long and why not for thru my job where I've been employed for the past XXXX? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money form my medication just had XXXX XX/XX/XXXX from my XXXX reversal. This type aggression to collect debt that is not initially there is very destructive and emphatically unmoral worse than sharks ... this is " tort ''
02/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18940
Web
Dear Sir or Madam : I am writing to complain of abusive debt collection tactics used by Cavalry XXXX, addres : XXXX XXXX XXXX, XXXX CT XXXX, and to request that you investigate this matter. Cavalry XXXX began contacting me about my former credit card XXXX XXXX account # XXXX. The last payment for this account was made on XXXX, XXXX and the balance was {$2300.00}. Cavalry ' abusive collection tactics included : Calling me at XXXX XXXX and after XXXX XXXX Emailing me with the request to pay them {$3000.00} ( copies of emails are attached ), without any verification or validation of the debt, and proofs of debts ownership. Threatening me with the legal actions to collect unverified debt. Continuing to contact me after I wrote them and told them to stop. ( Copy of letter enclosed. ) Billing me for {$3000.00} when my ending balance was {$2300.00} on my account. Cavalry never submitted the proof of Ownership of this debt. If they bought the debt from XXXX XXXX XXXX, they must submit me Bill of Sale or other document of purchasing this debt and that it has the right to collect this debt. All they ever mailed me that are XXXXXXXX XXXX XXXX Statements, that are only proved that I owed money to XXXX XXXX, not Cavalry. Cavalry did not submit any document who it is, what right it has to conduct business and collect the debts in Pennsylvania, state Licenses, etc Cavalry is trying to collect a debt for the fraudulent, stolen account from me without any documents to proof to support its claim. The bank statement of fraudulent account that was submitted to me is not a proof. I'm avictm of Identity theft. In XX/XX/XXXX I was robbed and my purse was stolen, with Credit Cards, Driver 's License and Social Security card. I reported right away to XXXX XXXX Police Department, address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. After that I got many unauthorized charges on credit cards from Arizona state. I have never even been in Arizona. I have a lawsuit with XXXX XXXX XXXX that they are do not remove fraudulent address from my credit report. Also, my debt with XXXX XXXX is too old. 4 years of Statue of Limitation have passed in XX/XX/XXXX. It is illegal to demand a debt when the statute of limitations expired. Please see attached correspondence from me and Cavalry. Again Cavalry did not produce any proof that I owe the debt to them, Bill of Purchase, Licenses and other legal documents, supporting its demand. Without these kinds of documents, Cavalry is a scam. Very truly yours,
06/14/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 93306
Web
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer Cavalry SPV won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( Cavalry SPV ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company XXXX XXXX XXXX XXXX. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
08/30/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 70068
Web
Upon obtaining my credit file, Cavalry was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent Cavalry a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. In response Cavalry sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. Cavalry then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. Cavalry know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
04/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23060
Web
Cavalry and their law firm XXXX XXXX XXXX have been using false representations trying to collect a debt from me without any evidence that the debt is mine and that they own the debt. Among other wrongs, they have used a false credit card agreement to verify the debt and to file the lawsuit. The real credit card agreement for the alleged account, which can be obtained from the supposed original creditor XXXX or from the CFPB database, is markedly different from the credit agreement they have been attempting to collect with. This is in violation of the FDCPA. Again, they filed a lawsuit against me 3 days after the statute of limitations had expired, according to the last payment dates on the credit card statements they provided in debt validation and in court. And in order to trick the court into getting a judgement against me, they submitted a random computer printout where the date of last payment was changed to be the very last day of the statute of limitations so it looks like they filed the lawsuit just in time. They tried to use the court to collect a debt using evidence that had two different dates of last payments with no explanations for the inconsistencies. Again, the amount they claim is owed on the debt and reported to the credit bureaus is different from the amounts on the alleged credit card statements they provided as validation and in court. So yes theyre validating and trying to collect a debt using documents that show two different amounts owed with no explanation. Again, they are attempting to collect a debt using an affidavit which contains a notary signature that appears to be forged. The signature appears as a pixelated image, in stark contrast to the other signatures and marks on rest of the document. This is not an artifact of photocopying, and is consistent with digital forgery. When I pointed out to them that I do not owe the debt and showed up to trial ready to put an end to it, they non-suited without prejudice, so as to avoid getting a judgement against them, so that they can keep tarnishing my credit reports with the hopes that I will one day send them money. Theyve had nothing to say about all these violations and lack of evidence that the debt is mine and have refused to take this off my credit report. Cavalry and their attorneys have committed multiple violations of debt collection and common laws and have refused to stop collection and remove this debt from my credit reports.
05/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 22201
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cavalry Portfolio Services LLC, for committing identity theft. I have never given Cavalry Portfolio Services LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Cavalry Portfolio Services LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Cavalry Portfolio Services LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from Cavalry Portfolio Services LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Cavalry Portfolio Services LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Cavalry Portfolio Services LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cavalry Portfolio Services LLC, continues its collection efforts, I will file for litigation for actual damages caused and Cavalry Portfolio Services LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
09/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
I had made several attempts to contact this collection agency for validation of a debt they claim I owe and are reporting on my credit report. I sent a dispute letter on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. All I have received are copies of a statement. I am aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and am simply asking for proof that I am indeed the party being asked to pay this debt, and that there is some contractual obligation which is binding on me to pay it. Legal validation consists of the following : 1. Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 2. Date of Last Activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 5. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 6. Proof of photo identification ( i.e., driver 's license, state identification card, orother government issued identification card ) that waspresented to youat the time of incurring this debt. 7. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 8. Proof that this debt has not beenwritten off as a tax liability. 9. Any other intimate knowledge of the creation of the debt by you, the collection agency.
05/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85304
Web
Hello, I have been attempting to work with Cavalry SPV LLC to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted Cavalry to resolve the dept since in have not received any information via mail or phone. Cavalry informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is XXXX XXXX XXXX in XXXX AZ. I was able to attain the phone number of the law firm after Cavalry told me they would not be able handle taking care of the dept even though it still under their name on the credit report. I have attempted to call XXXX over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called Cavalry back and spoke to their legal department on XX/XX/19 explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at XXXX to contact me so we can attempt resolution. No response from XXXX on XX/XX/XXXX so I called Cavalry back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at XXXX and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX to tell me his voice mail was full so I was not able to leave a message to get a call back. My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. Thank you for your consideration as a consumer to get through this! XXXX XXXX
03/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 334XX
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERVIC Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/06/2017 Yes
  • Credit card
  • Other
  • TN
  • 38305
Web
When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
05/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89015
Web
This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from XXXX XXXX XXXX . This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the collection agency. XXXX and Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX , XXXX , and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
10/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02127
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91605
Web
This complaint submission is in regards to a false credit report by ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a Debt Validation Request. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of 2023, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CAVALRY PORTFOLIO has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CAVALRY PORTFOLIO is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
01/17/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 70122
Web
Cavalry Portfolio Services LLC is reporting an account that was a charge off credit card from XXXX XXXX XXXX from XXXX on my credit reports. Under Louisiana civil code XXXX XXXX XXXX XXXX the statute of limitation of debt collection of an open account is 3 years old. On my XXXX Credit report it shows that Cavalry started reporting this account on XXXX/XXXX/XXXX, XXXX and XXXX XXXX show that they started reporting on XXXX/XXXX/XXXX, Cavalry was sent a letter on XXXX/XXXX/XXXX to validate this account and provide proof that they notified me in written XXXX to XXXX days before reporting this account to the credit reporting agencies as required under FCRA. Per phone conversation with with XXXX XXXX ( supervisor with Cavalry Portfolio Services ) they are servicing the account on behalf of Cavalry SPV 1 LLC who purchased the account on XXXX/XXXX/XXXX from XXXX XXXX XXXX. According to XXXX XXXX XXXX 's records provided by Cavalry Portfolio Services the account was charged off on XXXX/XXXX/XXXX making this account past the 3 year statute of limitations of debt collection under Louisiana XXXX XXXX XXXX XXXX XXXX ) for open accounts ( credit cards ). XXXX XXXX XXXX stated that they first started reporting this account to the credit reporting agencies on XXXX/XXXX/XXXX which is a violation because under FCRA since they are required to wait XXXX to XXXX days before reporting, which he said they purchased it on XXXX/XXXX/XXXX and reported on XXXX/XXXX/XXXX ( 48 days ). XXXX XXXX XXXX stated that they sent out the first notice on XXXX/XXXX/XXXX, the second on XXXX/XXXX/XXXX and that Another company they used called XXXX XXXX XXXX XXXX started servicing the account in XXXX. XXXX XXXX XXXX was asked to provide the Bond number showing that his company was licensed and bonded in Louisiana as a XXXX XXXX but could n't provide that information. XXXX XXXX XXXX was recording the conversation and was brought aware of the many FCRA violation his company had committed from reporting false information, reporting this account before the XXXX to XXXX days required, that they had to be bonded in Louisiana, not providing the information that was asked to validate this account and that once XXXX XXXX XXXX charged off the account they sent out a XXXX required under Federal Bankruptcy Laws and that once its filed on my tax returns it satisfy any amount owed under XXXX Sections XXXX, XXXX, XXXX, XXXX, XXXX.
10/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 344XX
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
08/03/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45040
Web
On XX/XX/XXXX, I checked my bank account and saw a check made out to the Court. I immediately called my bank and they said I wrote a check to the court. I said no I did n't. After a few moments they said it was a garnishment. I then called the court and they told me a judgement was made against me in XX/XX/XXXX.They said that the law office trying to attempt the debt sent a summons. I said I did n't receive anything regarding the situation or the garnishment at all! I asked the court to mail me papers. She gave me a number to contact the law office. After trying 5 different numbers that I was given by bank and court, I was able to speak with someone. The law assistant said that it was delivered and because it was not returned to them unable to deliver, that they assumed I received it. Then said I even called to talk to someone about it. Then proceeded to say '' I did, we were going to make a payment arrangement for XXXX . '' I said well, a lot was going on in my life last year but i did n't recall talking to you and would never have agreed to that because I could never afford that amount. After all that I said can we make an arrangement on the amount due XXXX. She then said that I owed XXXX. I said the garnishment paper from the court says differently. I have asked now twice for them to send me what they have and they wo n't but keeps asking me to send her what I have instead, i am confused why i would have something they do n't have. I faxed my doc. on XXXX, she states they never received it? She also states the court fees are XXXX, but my judgement paper states XXXX. They have continued to call me and I feel threatened if I do not comply, that there will be more garnishments. I received the judgement papers on XXXX ( from the court after asking for them to mail to me ), they garnished my paycheck on XXXX and the judgement for the garnishment was filed on XXXX.The last record on the docket was XX/XX/XXXX and out of no where in XX/XX/XXXX garnished my checking account. All the info on my sheet states it was verified on XXXX. So then I was left without my money and was never told I could dispute this at all and was left without any options. I feel as though they are withholding information and/or trying to get me to offer up information that in the end would incriminate myself. I would just like to settle and end this all. Also the debt is From XX/XX/XXXX.
02/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34997
Web
In XXXX of XXXX I was sued by Cavalry SPV i
12/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • GA
  • 30238
Web
On XX/XX/XXXX I received several calls from XXXX different XXXX XXXX. The first was from XXXX, formerly XXXX bank. I told XXXX bank the first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from XXXX and a call from CalvaryXXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called XXXX they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did. Cavalry is also requesting that I pay court fees and filing cost but we haven't been to court. I asked the young lady if this was legal and That didn't seem fair but she said the only way XXXX court get around paying the court cost was to pay settlement with was like only XXXX dollars less then the balance. I ask for a breakdown of the amounts in writing which I haven't received.
09/04/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • WA
  • 99336
Web Servicemember
Cavarly Portfolio Services sued me whereI did not live or sign for the debt after they bought it from a bad debt list the original creditor wrote the debt off and the first collection agency XXXX wrote it off in bankruptcy. I became aware of this when I served both the default judgement and the notice of hearing at the same time in XX/XX/XXXX. I made my last payment on the car in XX/XX/XXXX. I did n't know I could sue at this time and so I did nothing. Since they have had the default judgment they have violated my FDCPA an additional three times. They seized all of my mothers social security funds from her bank account around {$900.00} in order to get it back she had to pay around {$150.00} to get an attorney to fix it. Cavarly claimed because my name was listed as payable upon death that they thought the account was mine even though the XXXX XXXX XXXX advised them otherwise. Then later on I had a account at XXXX XXXX XXXX one day it was just negative {$50.00} because they had seized all of my direct deposit paycheck from the day before and the bank charged me for the transaction. Still unaware of my options without talking to an attorney I believed it was over with in XX/XX/XXXX when the scarlet letter I wore on my public records for my credit report listed with case number XXXX default civil judgement for {$7000.00} fell off my report. No they were not done I sent them a letter regarding my rights under FDCPA and that they had violated several times. The statue of limitations had come and gone XXXX times. I advised them not to contact me or I would be sueing them for all of the violations. I received a generic letter from a new attorney in XX/XX/XXXX letting me know that they were taking over the collection of my debt from Cavarly. I am in the process of selling my home and the title is clouded something I was never served papers on even though all of the legal filings thus far had been in XXXX County where I had resided once temporarily for six months. I lived in XXXX County for two years when they say I was sewer served about lawsuit in XXXX County. However they filed the lein on my home in XXXX County of course not even that could be done without adding and inflating the amount of the judgement by {$7500.00} in interest they are claiming on a {$7000.00} debt that they were never intitled to collect on in the first place.
04/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19026
Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
04/04/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10304
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
08/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33935
Web
According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 73012
Web
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/2023 Status : Collection account. {$8900.00} past due as of XX/XX/2023. Status Updated : XX/XX/2023 Balance : {$8900.00} Balance Updated : XX/XX/2023 Original Balance : {$8900.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Cavalry Portfolio Service. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this said debt is related to identity theft as i have shared over 30 data breach cases with them as well as an Identity Theft.Gov report with the incidents explained. At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/2023. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. I have requested validation PROOF from this collector and they have failed to provide anything, however just a written notation to the credit bureaus stating the debt is valid. They've been asked to provide the following information and have failed on 3 attempts approaching 90 days. -What the money Cavalry Portfolio Service says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :
02/19/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 48044
Web
My situation involves a time barred debt held by Cavalry Collection agency which I am being sued over. I found out about the lawsuit because I received a solicitation from an attorney explain that they could help me in the lawsuit. I had no idea there even was a lawsuit. What there was were numerous disputes from my behalf against Cavalry collection agency, all of which have been ignored and or responded yo not with the itemized charging documents or other original paperwork tied to the account as the FDCPA outlines, but rather with bills for their agency. The debt is old. Past the state statute of limitations. The moment I got wind of the lawsuit, I called the attorney of record for Cavalry : XXXX XXXX XXXX | Attorney at Law ( Admitted in Michigan ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX I explained that the debt was past the state statute of limitations and she informed me that a payment was received in 2016 of {$20.00} dollars that restarted the statute of limitations. When I asked where the payment had come from and who had made it against the account, she replied that she did not have the information and that it didn't matter who made it. The " payment '' reset the statute. I was then informed that Cavalry was suing me for {$2000.00} dollars but if I paid {$1000.00} they would remove the debt from me and not continue with their lawsuit. I find this all preposterous and highly dubious. Very convenient that a phantom payment was recorded by an unknown individual that " doesn't matter '' which reset the statute of limitations just when it was about to age off. I also find it highly suspicious that while I disputed the collection numerous times, Cavalry has chosen never once to comply with the FDCPA laws and provide tangible documentation on the debt. I suppose that doesn't matter as well. I do not have an attorney yet, but am asking this agency to step in and mediate the matter to make sure that my rights are not being violated under federal law. Furthermore I request that my original request for validation be noted for the record as well as that cavalry filed a lawsuit against me without proper notification never once having answered by disputes. I had to find out through a solicitation from an attorney who monitors court filings of their legal action. Completely shameful.
12/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11590
Web
I have sent a validation of debt from Calvary SPV 1 LLC on XXXX citing U.S.C. 1692g Section 809 which requests the following The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. If, within the 30-day period, the consumer disputes in writing any portion of the debt or reque sts the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable. Futhermore, they reported a new collections balance on XX/XX/ to XXXX, XXXX and XXXX. I received a response from them dated XX/XX/XXXX that they do not have this account in this possesion and it has been placed with a law firm which I have not bee contacted by nor have any information. Calvary SPV has said they can not investigate without specific information, which I am not sure what they are referencing. Futhermore they have been reporting a new collections balance every month which has been affecting my credit score but have not provided validity that I owe them this debt or signed a contract with them stating so. Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. Reported on XX/XX/ by Your account is 30 days or more past due Account Cavalry Portfolio Servic Account number XXXX Amount past due {$2100.00} Status Collection/Chargeoff Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Ct, XXXX See attached letter received from Calvary SPV XXXX
10/19/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 711XX
Web
Hello, This claim is prompted by unfair practices performed by Calvalry SPV, LLC. I received a summons from the City Court for XXXX in the State of Louisiana. I responded to the Request For Admissions of Fact stating that I denied the amount they were attempting to collect. Prior to this action I requested in writing full debt VALIDATION from the collection attorney XXXX XXXX, to which I received a few statement pages showing the total balance due. This does not adequately satisfy a request to show how charges were calculated, including interests, fees and associated charges. Since then I received a settlement offer with no specific dollar amount. I called in to discuss the matter again and was told there was no specific amount offered but if I wanted to be considered for acceptance of anything less than the full amount of {$2300.00} I would need to fill out a 'hardship ' form and send in financial documents. During this call I asked again for the documents explaining how this debt was calculated. I was told by the representative at that time that this, along with the hardship form would be sent to me. I received the financial statement/hardship forms but never received the documents explaining how this amount was calculated. Today I called again requesting these documents and told that 'verification ' was sent out to me. I explained that I received the hardship forms but not anything else. I also stated again specifically that I was requesting documentation of transactions and how this amount was calculated. The representative then informed me that I would not be sent this information and it would be presented to me in court. I feel this is a violation of my rights as a consumer to deny me this simple request. Not once have I refused to pay. I have only repeatedly questioned the amount due to prior arrangements I had with the original creditor. This account has been incorrectly reported on my credit reports as well as now entered into public record and Calvalry has yet to show me documentation of the accuracy of the value claimed. In addition, I feel it is also unfair to deny me this information which allows me time to review the documentation prior to the pending court case. Please assist in facilitating me receiving the full list of transactions/statements they are refusing to send.
03/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • UT
  • 84096
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX acquired alleged debt for a credit card opened in 2016 from XXXXXXXX XXXX. They then sued me through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I contacted XXXXXXXX XXXX, both their collection department and fraud department who did not have any account history to tie back to my personal information including my Social Security Number. < Summary of CFPB Complaint - Unvalidated Debt Collection Attempt by XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX XXXX Summary : This summary serves as a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the improper debt collection practices of XXXX, Cavalry Debt Collection, and XXXX XXXX XXXX. The parties in question have made attempts to collect an unvalidated debt, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). The aforementioned parties have engaged in the following unlawful practices : Attempts to Collect Unvalidated Debt : Despite the consumer 's repeated requests for validation of the alleged debt, XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX have failed to provide proper documentation to confirm its validity. Harassment and Unfair Practices : The consumer has been subjected to frequent and aggressive phone calls, as well as threatening and misleading correspondence, in an attempt to coerce payment for the unvalidated debt. Infringement of Consumer Rights : By pursuing the collection of unvalidated debt, the involved parties have violated the consumer 's rights under the FDCPA and the CFPA, which require debt collectors to validate debts upon request and abstain from unfair, deceptive, and abusive practices. As a result of these violations, the consumer has suffered emotional distress, financial harm, and damage to their credit score. The complainant requests the CFPB to investigate the matter and hold XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX accountable for their unlawful practices. Furthermore, the consumer seeks the cessation of all collection attempts, removal of any negative credit reporting related to the unvalidated debt, and financial compensation for damages incurred.
05/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48076
Web
RE : Cavalry partial account # XXXX Cavalry Portfolio SVCS has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}. The above mentioned account is an old XXXX XXXX credit card which was closed due to fraud back in XX/XX/XXXXwith the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old. I have written Cavarly Portfolio twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX. Cavarly Portfolio has refused to provide those records and alternately become more aggressive trying to collect. I will prove that Cavalry Portfolio has been engaged in fraud against consumers for years. I will prove Cavalry Portfolios intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit. Cavalry Portfolio has also provided untruthful statements to XXXX, XXXX & XXXX in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports. These and other willful schemes of Cavalry Portfolio has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord. I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court. Through my research, it seems Cavarly Portfolio has a history of manipulating records and attempting to collect on debts they have no legal right to collect. I have requested records of this debt and Cavalry Portfolio has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
11/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 455XX
Web Older American
I am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her. XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX. I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility. I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX. When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint. We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.
12/27/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34609
Web Older American
My son who no longer lives in Florida stole my identity and used it to make several purchases in my name back in XXXX and XXXX when I was still working as a XXXX XXXX at a XXXX XXXX. I had recently lost my wife of 30 years who passed away very unexpectedly and I myself the same year almost died from a XXXX XXXX and had XXXX XXXX XXXX. I went back to work 2 months later and began working 60-70 hours a week. I paid no attention to my son who had gotten his hands on my bank account info and all my personal info, he proceeded to buy all kinds of things without my knowledge, he apparently was making payments on time and the only way I found out was when he left Florida and moved to Michigan all of a sudden. Then I started getting bills from what he had purchased under my name.I never got the mail when he was in Florida since he was smart enough to get it before I got home from work which was 10 or 11 oclock at night.I cleared up all of these accounts by returning merchandise he bought for his apartment and left in Florida, and also by writing letters to the other merchants.This merchant - cavalry portfolio services, bought an account from XXXX XXXX .Apparantly my son bought some furniture on credit and paid about {$1000.00} of a balance of {$1500.00}, when I became aware of the account they had already sold it to cavalry at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX, phone number XXXX.I spoke with XXXX who removed the collection from my credit bureau, however Cavalry portfolio services will not . I have disputed them in the credit bureaus, and contacted them twice, they will not delete the collection from my bureau unless I pay them {$960.00}, even though the original balance remaining was only XXXX {$600.00} they will not help me. I offered up to {$600.00} to clear it, even though I should not have to, they say it is my account because my name is on it, they don't care about identity theft, they are not interested in what's right only the money. I can not afford anymore, I have been retired since XXXX with XXXX XXXX, I have perfect credit with a XXXX score but this account is keeping me looking like a bum with a collection account. It is very disturbing th work hard my entire life, get to XXXX years old and have this happen. Please help!
12/25/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • XXXXX
Web Servicemember
I disputed and requested validation with Calavry Portfolio Services LLC. I requested that they show proof that they are licensed to collect in my state ( Tennessee ), detailed billing history for the account, amount owed and how it was calculated, and the agreement because I am not aware of who they are. The first letter they sent stated i owed them or a debt had been sold to them. After i asked for validation they sent me nothing stating that they are able to collect in my state and a balance of XXXX with clumps of what seems to be nothing but paper and saying that it is valid. There was over XXXX pages that are either blank or has homedepot advertisements and nothing else on it. One page stating regulations for California, Colorado, Massachusetts, Minnesota, New York, Utah, and North Carolina. but nothing about if are you licensed to collect in Tennessee. I sent them another certified debt verification letter on XX/XX/XXXX to make sure i had proof that i had tried to communicate with them. I did get a response on XX/XX/XXXX for my first request and it had nothing i asked for. I will be waiting to see what the response is for the certified letter I sent them on XX/XX/XXXX Company Name : Cavalry Portfolio Services Address : XXXX XXXX XXXX XXXX, CT XXXX First letter they bought or sold things. I think it was XX/XX/XXXX. I sent a letter back asking them for validation. Date I received my first response was XX/XX/XXXX they said i owed XXXX. How did they come to that amount? how was that calculated? Sent over XXXX pages of fluff. - blank pages - homedepot advertisement - internet printed credit card agreements ( it looks like someone just printed a random agreement off the internet ) - and more blank pages I sent another debt verification to them on XX/XX/XXXX certified mail because i had no proof i sent them anything and did not want this to escalate. I am currently waiting on my response. Certified letter should reach them XX/XX/XXXX. I hope that they send me actual documents and not over XXXX pages of fluff. I would prefer this ends here and they remove it off my credit, not sale/buy anything that i did not give them permission in the first place to anyone else. I would prefer a letter in writing that this is done as soon as possible.
08/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93280
Web
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
06/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38125
Web
I have been contacted by a debt collection agency. Cavalry Portfolio Services LLC, XXXX XXXX XXXX XXXX XXXX The last communication was sent to me on XX/XX/XXXX stating that I owe a debt from XXXX from XXXX XXXXXXXX XXXX XXXX XXXX for {$2800.00}. Mind you the amount has changed a few times. I have responded to this company several times to advise them that I do not owe this debt and that I am being ignored. My last response was sent on XX/XX/XXXX asking for any information on the original credit card company. Anything to validate this debt. They will not share any of this information with me. Therefore, I reached out to XXXX XXXX XXXX to see if there is any information on the account. The account number can not be found in their database as I was told this is an invalid account number. I have also provided my social security number with XXXX XXXX XXXX and they can not validate any accounts that I have ever had with them. I ask for them to send this information in writing. The above company XXXX XXXX XXXX XXXX XXXX ) has not sent me any documentation to respond to their complaint accordingly ( validation of debt ). They are also ignoring the responding letters that I do not owe this debt. I have never used this card or seen a card. I have filed a complaint with XXXX, and filed a police report about this matter, reported this to my credit bureau as well. The creditor has not contacted me to dissolve this matter. I was a victim of identity thief from XXXX / XXXX and believe this is a result of it or the above company is making up account numbers. If this is an account from this period, I want answers so that I may dispute this matter properly. Please don't let them do this to you. Fight for your rights and don't be a victim of identity theft or allow a company to falsely accuse you of a debt that is not yours. I would like Cavalry Portfolio Services to dissolve this invalid credit card debt. Remove my information from their database and stop contacting me. XXXX & XXXX I ask the same. If they can not do this please provide where this account originated, when and where the account was used, and documentation where I signed anything to confirm this is my debt. I request credit card statements, and any payments made on this account.
05/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • XXXXX
Web
On XX/XX/XXXX, I filed a dispute of a debt Cavalry Portfolio claims to own with XXXX, XXXX, and XXXX. ( see attached letter dated XX/XX/XXXX XXXX, XXXX and XXXX all forwarded the information to Cavalry Portfolio with a deadline to provide validation by XX/XX/XXXX. Also On XX/XX/XXXX, I requested Cavalry Portfolio to provide validation of a debt the claim they own I also requested XXXX to provide accounting of the amount they claim I owe to XXXX XXXX. ) On XXXX XXXX, XXXX XXXX XXXX claims to have mailed me proper validation.Yet they failed to provide a copy of those documents in their response. Making allegations or claims without providing documents of support does not hold any legal standing. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( a third party debt collector associated with Cavalry Portfolio ) requesting a settlement for the same XXXX XXXX debt of {$790.00}. This is the only correspondence I have received. Cavalry Portfolio never timely responded to my request and have provided no proof they have. I am requesting a copy of the letter Cavalry claims to have mailed me on XX/XX/XXXX and proof of mailing they actually sent this letter. On XX/XX/XXXX, I filed a Civil claim against Cavalry Portfolio. Since they thought I was bluffing and since it seems to be the only way to obtain unredacted records. Cavalry reported this debt to the CRAs with misleading information and deliberately left out crucial information with the intent to defraud. Cavalry Portfolio never provided the date of last activity for this account. Alternately Cavalry reports the DATE OPENED as XX/XX/XXXX. This misleads creditors and has a greater negative impact on my credit scores. Negative information has less impact of a consumers credit score as time passes. Additionally, Cavalry Portfolio themselves admit they did not buy this debt until XX/XX/XXXX. Therefore, by their own admittance, they reported inaccurate information to the credit bureaus and twice confirmed this information as accurate. This material fact alone is a cause for fines and damages. I dont even need to address other false information and violations committed by Cavalry. Instead I will wait for our court appearance and my amended complaint to address those.
07/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 77632
Web
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. XXXX - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,30067- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
09/12/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • XXXXX
Web
CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately. Especially the lien from the house in XXXX XXXX CA XXXX! My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. This XXXX issued date XXXX XXXX. When I speak to all these collection agencies, they all have different dates & amounts. Some say this dept is for something back in XXXX or XXXX, they don't even know. I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. I request, & By law is my right to receive a copy of the original contract. & There is none. Proving information with a signature that shows I owe, if any of this debt. I need proof of ownership, payment historys anything & everything on this is. ( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. you must delete this mistaken debt ASAP. I also need all the creditors/Law Groups that have been involved in this court case # XXXX. Information needed is, complete legal names and address, contact information emails and numbers.. Companys License XXXX XXXX which are required by law or ordinance to be engage in business as a collection agency. Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX XXXX XXXX would even comply to a judgment on XX/XX/XXXX.! I the Defendant was never served or notified that XXXX hours away from my home & was supposed to be in a courthouse. in LA. I live in XXXX XXXX XXXX. In Learning about this false XXXX from XXXX? I was never serviced : on this claim, & not given the at least 15 days before the court date. I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.
08/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01440
Web
I answered a call a few months ago from someone claiming to be representing a debt collection agency and they stated I owed over {$3000.00} to XXXX and they were collecting the debt. They asked me how I would pay. I told them I did not owe anything to XXXX and thought they had the wrong number. About a week later I received a letter from a credit collection agency saying I owed {$3300.00} to this collection agency from a XXXX debt. The letter said I had 60 days to dispute the claim or the agency had the right to continue to collect it from me. I sent a letter to them disputing the claim and I never heard back from them. Today I was trying to refinance the our house and the bank said that I have a {$3300.00} collection debt that was on my credit reports. I was shocked ... and upset. I do not owe anything to XXXX and am not in collection with any of my bills. I was never given any evidence of what this debt was and I had disputed the accusation. I called XXXX and they confirmed that I do not have any debt according to their records that they had no record that I had ever had a bad debt that went to collection. How can a collection agency place negative reports about me to a credit bureau without any proof that I owe a debt? Can they still post negative information and claim that you owe money after you submit a dispute? Can they make up any amount ... ..and just say that you owe it ... ..and if you don't pay they will try to ruin your credit and place false reports to credit agencies? What are the requirements for reporting debt on someones record? What proof is required? This seems so crazy. The bank representative helping me with my refinance also indicated that this looks strange and the agency submitting the claim is difficult to find ... after a number clicks/searching I found that it is. Cavalry Portfolio Services COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I want this company to retract the report they sent to the creditors. They have no evidence that I owe anything ... as XXXX directly confirmed that I have no debt with them or record of unresolved debt. Now this false claim has impacted my credit score and my ability to do things like refinance my home or take out a loan.
06/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 186XX
Web
I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from XXXX and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to Cavalry Portfolio Service due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by Cavalry Portfolio Service. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). Cavalry Portfolio Service has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and Cavalry Portfolio Service Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDE MUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by Cavalry Portfolio Service reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.
04/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 956XX
Web Servicemember
Dear CFPB, There are four Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information. For example, on my XXXX Report there are CAVALRY PORTFOLIO SERV with an open date of XX/XX/XXXX ; XXXX XXXX XXXX with an open date ofXX/XX/XXXX ; XXXX XXXX with an open date ofXX/XX/XXXXand a XXXX XXXX with a open date of XX/XX/XXXX. XXXX and XXXX have similar Collections reported. Last year, I contacted the three Credit Reporting Agencies about these four collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation. I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported. I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these four erroneous collection reports removed from my three credit reports? Sincerely, XXXX XXXX
03/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 37128
Web
On XX/XX/XXXX I received a summons from the XXXX XXXX XXXX XXXX XXXX. The summons stated that I had to appear in court on XX/XX/XXXX, at XXXX XXXX. The attorney 's office XXXX XXXX XXXX was representing a company by the name of Cavalry SPV I LLC. The amount that I was being XXXX for was {$3500.00}. After receiving the summons I respond by sending three letters to address this issue. The following letters were a Cease & Desist, Debt Validation Letter, and another requesting other information to support the company 's right to collect this debt. All XXXX letters were sent on XX/XX/XXXX to Cavalry SPV I LLC and to XXXX XXXX XXXX along with a green-certified return receipt via the US post office. On XX/XX/XXXX I received a packet from XXXX XXXX XXXX and a letter that stated an account with XXXX XXXX Shop Your Way with account # XXXX. The account was opened on XX/XX/XXXX for the amount of XXXX XXXXXXXX packet also contained a stack of billing statements from XXXX, no documents previously requested validating the right to collect the debt. One of the green-certified cards was returned on XX/XX/XXXX by Cavalry SPV I LLC. On XX/XX/XXXX I appeared in court at that time I was asked by the XXXX XXXX XXXX 's attorney to make payment arrangements. I decline to do so because under the Consumer Protection Act I was not given the information I requested and my rights are being violated. The attorney showed me a document signed by a representative from XXXX that I had not received but requested. A new court date was set for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received the 2nd packet very much like the first one however it stated that I opened the account with XXXX on XX/XX/XXXX. This is a very huge difference at less by 10 days according to 1st letter. I did not sign a contract with this company. I did not give them permission to contact any creditor or credit agencies. One hardship that I experienced was I had a store credit through XXXX for two years that was closed due to Calvary negative reporting that was in good standing. I can not apply to move to a new home because my credit is being negatively affected. I will attach my documents to support this complaint.
07/23/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CO
  • 80831
Web
Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 3. They never sent me a receipt for the money. OR reported it on my credit report. 4. In the state of XXXX that debt should have expired. 5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! I attach images of the paper work. to substantiate my claims. Thank You.
07/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60617
Web Servicemember
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
06/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77346
Web
On XX/XX/XXXX, I submitted an online dispute with XXXX for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named Cavalry representing XXXX XXXX XXXX XXXX/XXXX ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact Cavalry through written communication requesting a validation of such debt. Cavalry responded by sending a few copies of billing statements showing a balance of {$680.00} BUT specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and Cavalry blatantly ignored consumer request numerous times. Cavalry refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at Cavalry after failed written communications late XXXX or earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can XXXX say that reporting of such debt is accurate when Cavalry CAN NOT provide the consumer with adequate documentation? If Cavalry can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from Cavalry was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.
05/24/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 326XX
Web
I have an unverified account from Calvary Portfolio Services, LLC. I have previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Cavalry Portfolio Services , LLC has reported a collection on all 3 credit reporting agencies onXX/XX/XXXX & XX/XX/XXXX. I sent registered letters to Cavalry Portfolio Services , LLC requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX andXX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XXXX & XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. I have requested that Cavalry Portfolio Services , LLC, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio Services , LLC is unable to provide the above identifying account information, this account must be deleted from all 3 credit reporting agencies. This account is effecting negatively on all 3 credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Cavalry Portfolio Services , LLC.
06/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MD
  • 20850
Web
I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX ) had filed a case in court against me. I called Calvary and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse. I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask Calvary and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court. The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''
02/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33173
Web
I noticed an account on my credit report listed in collections by Cavalry Portfolio Services for {$1400.00} that I did not recognize. I mailed a certified letter to Cavalry delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay them. They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was one generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, Cavalry sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX on XX/XX/XXXX I met with an attorney representing Cavalry that told me that Cavalry did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. I do not recognize this debt, Cavalry never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.
01/25/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 147XX
Web
I was alerted to a high impact item on my credit report by XXXX XXXX. The item was listed by a Cavalry Poftfolio Services. It claimed to be an account from XXXX XXXX with an open balance of {$2300.00}. As there was no identifying information given about the account I disputed it. I was then simply told that XXXX had verified the debt. Well how can you verify a debt with no account number? So I went directly to XXXX and disputed their finding. Since there was no account number how could they verify the debt? I also asked for ALL of the legally required ( both federal and state of new york ) documents to prove that Cavalry Portfolio had any legal right to this alleged debt. Today XX/XX/2020 I received a packet from Cavalry Portfolio. Inside was a statement that they believed this account to be past the Statute of Limitation, That it was alleged to be an account with XXXX and alleged monthly statements for said account. What I did not receive was ANY of the requested legally required documents to prove that Cavalry Portfolio has any legal right to said debt. This would be something like a legal document known as a bill of sale along with a statement from the alleged owner of the alleged account that specifically mentions this alleged account was sold to Cavalry Portfolio. Yet with no proof of ownership Cavalry Portfolio has managed to do direct damage to me on my credit report and XXXX has claimed this alleged debt was " verified '' by them and they allowed said damage to continue. No party should be able to do direct financial damage to any individual by claiming they own an account that they can apparently not prove or provide proof of ownership of as requested. I will include a screenshot from XXXX XXXX to show the lack of information and why I disputed this listing. Also why I would wonder how you could " verify '' it with the information provided in that listing. I did not include any of the pages that Cavalry Portfolio sent to me as none of them were what I asked for. In other words a legally recorded/witnessed Bill of Sale and the other required documentation with direct mention of this alleged debt.
06/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60517
Web
Cavalry SPV, LLC continues to call my cell phone many times, So much so I had to block them. They would at first not tell me who they were, ask me for personal information and when I refused to give it would tell me that they could not tell me anything more. I got someone to finally tell me what the name of the company was. At that point I stated I do not know who they are, have not accounts with them and to stop calling. I then blocked them. I then started to receive statements saying I owed them money. Do n't know who these folks are. and when called I get " what is your name and social security number '', Sorry, I do n't know them, so nope. I look at my credit report, they are reporting I owe them. I get a letter from an XXXX XXXX XXXX, stating they are contacting me on behalf of Cavalry. I send a letter back asking for proof of the debt to Cavalry. ( XX/XX/XXXX ). The response letter (XX/XX/XXXX ) shows oldXX/XX/XXXX statements from XXXX, along with a generic sale slip of who knows what, as my name is no where on it. And any possible telling information is blacked out.XX/XX/XXXX- I call XXXX to ask about any accounts I have with them. I am told that I need to call an 800 number. I tell the lady that if the account was with them why could n't they tell me, or connect me to someone. Or does it show they closed the account? sold the account? anything? she said she can not see it. I ask to please be transferred to someone who has access to that information. I get sent to an account manager. The manager then tells me she sees nothing under my SSN or name. That I have no debt with them. I ask about in collections. She tells me that she would see if they had any collections activity in the file, and she sees nothing. I ask how I can prove this, did they have a paper they can send me? no. since I have no accounts she ca n't send anything. And I should check my credit report to see I have not reports from XXXX. I do, and see Cavalry has a collections against me, prompting me to check the county courts. I see now I have a court date, that I have not been made aware of coming up. I will dispute this in court now.
11/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21215
Web
On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. As of this date, the Agency fail to show proof the debt is valid. XXXX responded stating that they have previously investigated and verified this account. I sent them a direct request so I believe they are attempting to stall or ignore my right to request verification and have this incorrect information removed. I demand that they initiate an investigation as is my right under the FCRA, or send proof that they have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES OR COMPUTER GENERATED RESPONSES. Please delete these accounts expeditiously!
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76182
Web
Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX, CT, XXXX To : The XXXX XXXX XXXX XXXX for Cavalry Portfolio Services , LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to XXXX XXXX XXXX & XXXX XXXX XXXX, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
07/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77632
Web
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. XXXX - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX-amount stated owed- {$670.00} XXXX CC . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/XXXX # XXXX Paid in full and acct closed by me XX/XX/XXXX. XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.
01/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19149
Web
I am a consumer, a natural person. I have been violated and deceived by the use of unfair collection practices. CAVALRY PORTFOLIO SERVICES , LLC has violated my right to privacy. My account number is XXXX with this company. I do not have a contract with CAVALRY PORTFOLIO SERVICES , LLC, and have written them requesting proof of claim/verification for this unauthorized alleged debt! I want a wet signature signed by a natural person from CAVALRY PORTFOLIO SERVICES , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response of them addressing my Affidavit of Truth. The only person that can verify the debt is me the NATURAL PERSON, I the CONSUMER according to Title 15 USC 1692g is ME. CAVALRY PORTFOLIO SERVICES , LLC has not responded to my statement of truth, and has threatened me with their litigation department which is a violation according to 15 USC 1692e93 ) by the issuance of documents informing me it being sent to their litigation department which is considered false representations and implications of the legal process.! According to 28 USC ( 1 ) ( B ) any private attorney authorized by the contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. I am a single mother. I am looking for new employment. CAVALRY RECOVERY SERVICES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough. Per my free consultation with a consumer lawyer, I should be suing them for impeding on my privacy and making false claims against me.
09/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 478XX
Web Servicemember
I need to report violations of the FDCPA by XXXX and Cavalry Portfolio Services in regards to an alleged debt in my name. Cavalry is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork Cavalry sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/2007. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist Cavalry filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments Cavalry has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.
04/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60641
Web
In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted XXXX who line of credit was opened through and was hung up upon. I then checked the XXXX credit reporting agencies and confirmed that no line of credit was ever open with XXXX. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with XXXX XXXX incurring the debt from XXXX XXXX, or being notified of the debt from XXXX XXXX before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team XXXX XXXX XXXX XXXX XXXX XXXX and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from XXXX XXXX from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over XXXX years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX XXXX XX/XX/XXXX XXXX states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and XXXX XXXX have yet to provide any of the requested documentation.
01/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33993
Web
I have been harassed for at least six months, if not longer, by a debt collector by the name of Cavalry, Calvary Portfolio. I have advised each and every representative that I am XXXX XXXX and to please stop calling me. Calls come in, and the second I answer, no one is on the other line. I hang up, the same thing happens minutes later, about 10 times a day. Ive asked them to stop calling my business line, Ive informed them Im XXXX XXXX and dont communicate well on the phone and to please text or email. They refuse, get agitated, and hang up on me. They refuse to tell me anything other than a made up first name, which I cant understand, no business name, demanding information from me. Its gotten so bad that Ive had to block the numbers. Ive done reverse searchs on all the numbers and they are all related to Calvary. On XX/XX/XXXX at XXXX I spoke to someone yet again advising them to stop calling, Im XXXX XXXX. OnXX/XX/XXXX at XXXX I received a call from XXXX once again advising Im XXXX XXXX and not to call my number again. Person kept asking for my name, but refused to identify what the call was or what company he was with. A message was left on my business voicemail on XX/XX/XXXX at XXXX XXXX, referencing a debt, the amount of the debt, my name, all personal information. It was difficult to understand as Im XXXX XXXX, from phone number XXXX. But I couldnt understand the complete message and phone number. These have all come after I repeatedly advised not to call me. Ive blocked most of the numbers six months ago due to robocalling and failure to cease and desist, but they just continue to call from new numbers. I have repeatedly texted asking for them not to call and blocked numbers dating back to the beginning of 2018, yet they are still calling. Its harassing as they call on a phone they know I dont always hear ring, I dont always understand messages or what the caller is saying, and they continue to call. Its harassment and must surly be against some ADA anti harassment law. They just wont stop. Ive been asking them to stop calling for about a year now.
03/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77049
Web
I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.
09/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33437
Web
I have been abused and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES , has caused injuries to me by violating the Fair Debt Collection Practice Act, that was set into place to protect the consumer from such abuse. On XX/XX/2021, CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692i ( b ) by filing suit against me, the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( b ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/2021, I received 2 phone calls from my front gate at around XXXXXXXX XXXX that woke my wife and myself up, but I did not answer because I was not expecting anyone at my residence so early in the morning. My wifes phone began to ring from the gate right after, she did not answer as well. Around XXXXXXXX XXXX I heard an obnoxiously loud banging on my front door, in which frightened my wife and I, also woke up my two young kids. My wife opened the door and was given papers stating I have a notice to appear in court. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me, the consumer, given directly to them, at an unusual time and place which known to be inconvenient to me the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process. On XX/XX/2021, Ive requested for CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES to provide me with competent evidence to verify that I have a legal obligation to them, but have not received anything. I will attach all documents used to resolve this issue.
03/19/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
CAVALRY PORTFOLIO SERVICES is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with CAVALRY PORTFOLIO SERVICES. I have never received any correspondence from CAVALRY PORTFOLIO SERVICES stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with CAVALRY PORTFOLIO SERVICES for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that CAVALRY PORTFOLIO SERVICES owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead CAVALRY PORTFOLIO SERVICES has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. CAVALRY PORTFOLIO SERVICES refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. CAVALRY PORTFOLIO SERVICES is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure CAVALRY PORTFOLIO SERVICES understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. CAVALRY PORTFOLIO SERVICES even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in CAVALRY PORTFOLIO SERVICES ' and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
12/23/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • GA
  • 31907
Web Servicemember
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
01/13/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 446XX
Web Servicemember
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
10/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30106
Web
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1692 says It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. " Fact, Affiant is aware that CAVALRY is in violation of 15 USC 1692g Validation of Debts and has been unable to provide information regarding the original creditor and instead lists the original institution. XXXXavalry is also in violation of 15 U.S. Code 1692e-False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms by requesting payment for an alleged debt in a positive status as evidenced in the submitted documentation. Additionally CAVALRY is in violation of 15 U.S. Code 1692b - Acquisition of location information by stating that a debt is owed. Pursuant to 15 U.S. Code 1692k - Civil liability which states ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or, CAVALRY is liable for these violations.
11/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21742
Web Servicemember
Cavalry Portfolio Issues XX/XX/2018 On the evening of XX/XX/2018 I called Cavalry Portfolio Services ( XXXX ) XXXX to verify that my defaulted XXXX XXXX account placed with them for collection was paid off in a negotiated settlement. The balance due was around {$900.00} and we agreed to a settlement of {$600.00}. Here is the conversation that occurred during the call : I told the Representative that I was still getting letters saying that the bill isnt settled. During the phone conversation the Representative said they didnt have any records of the bill being settled. The Representative than added that the only thing he can see is that a payment was returned for {$94.00} because of NSF. I asked for details about that payment, but he couldnt provide any details. I than ask how is it possible for a collection agency not have any records of our settlement agreement, payments received, but just a returned payment of {$94.00} for NSF, but no details on what the payment was for? His response was that if I wanted any information about the account I need to call XXXX XXXX XXXX ( XXXX ) XXXX. The following telephone conversation took place with XXXX XXXX XXXX : Their representative XXXX XXXX stated my balance was {$410.00} and they were willing to settle for {$280.00}. I asked if there were any records of any past agreements or payments in my file? Ms. XXXX sad, there wasnt anything. I than ask could I pay {$94.00} to settle the account? She stated, let me consult with my Supervisor. She came back with a counter offer of {$240.00}. I told her that the most I would pay is {$94.00}, but I know I dont owe anything. At this point her Supervisor XXXX XXXX took over the conversation. I asked Mr. XXXX can he see any settlement offers or payments in my file? He asked me how did I get their number? I told him the Representative from Cavalry Portfolio Services. I told him that I had reached a settlement offer with Cavalry Portfolio Service for {$600.00}. He again stated, there wasnt anything in the records.
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89147
Web
In XXXXXXXX XXXX XXXX I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for XXXX years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX XXXX XXXX summary which I have highlighted the two accounts in question, one with Calvalry Portfolio Services, the other with XXXX XXXX, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.
03/16/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63125
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
11/08/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • KY
  • 40229
Web Servicemember
In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. -a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.
05/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • SC
  • 29072
Web
I have been in contact with the original creditor since just after our bankruptcy filing. Although the filing was dismissed, the original creditor has indicated to me that they have written off and closed my account. However, a third party debt collec tor, Cavalry Portfolio Services, LLC has continued to harass me about this debt. My credit report also shows this debt as being charged off, so I assume that Cavalry has purchased some right to collect a non-existent debt for pennies on the dollar, and now seeks to profit from people who do n't know better than to succumb to their harassment tactics. I am not that person. I have written them a dispute letter, clearly asking them to provide documentation showing that this debt still exists, and documentation showing the assignment giving them authority to collect it. They have provided nothing but now 2 response letters indicating that I have disputed the debt, but have failed to request any information from them. Clearly, they are playing a childish game to try to catch me in a 30 day trap of failing to respond. Again, I am not that person. I can certainly outlast them, but as I understand the law, they have a duty to respond to my request for information fully and with great detail, and are not allowed to continue to harass me. I would like for the CFPB to investigate this company, as I have not been able to find any filings in our state giving them the ability to even engage in third-party debt collection activities here. I have attached my original response to Cavalry, dated XXXX XXXX XXXX ; my second response to Cavalry 's letter indicating that I have failed to request any information, dated XXXX XXXX XXXX ; Cavalry 's 3rd letter to me, again saying I have failed to request information, dated XXXX XXXX XXXX , and my letter of today, again informing them of the information I have requested multiple times, and informing them of my complaint with you folks.
03/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 10308
Web
I called the XXXX XXXX XXXX XXXX XXXX, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX, my original debt was for XXXX, and I offered XXXX, he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on Monday XX/XX/XXXX. Also during the conversation XXXX added on an extra cost of XXXX, saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as XXXX did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.
04/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 496XX
Web
ENTITY INVOLVED : CALVARY PORTFOLIO SERVICES, LLC. For nearly a year now ( since XXXX ), I have been trying to get erroneous collection data addressed on my credit report with the three credit reporting agencies. The erroneous data resulted in a denial of 3 housing opportunities in XXXX. As a XXXX XXXX XXXX, I am beyond frustrated with the reporting entities ' failure to follow federal rules and regs. As of XX/XX/XXXX : XXXX finally realized that Calvary Portfolio Services was reporting erroneous data that could not be verified, in violation of Federal Regulation V. As of XX/XX/XXXX ( and going back several years ), Cavalry continues to report an alleged collection account with an open date of XX/XX/XXXX to XXXX and XXXX. Upon written request ( dispute ), Cavalry they could not verify the proper account balance ( different from what appears on credit report ), the date the alleged account was closed, date reported or the charge-off date - to the credit agencies. THIS ACCT WAS RE-AGED by Cavalry despite no legal event that would allow re-aging. Per XXXX data, the account is about to turn 7 years old. As of XXXX, Calvary reports to XXXX that the contact info. for this alleged collection account is in XXXX, NY. However, Calvary reports to XXXX that the contact info for this account is in XXXX, AZ. This is another clear compliance violation. Interestingly, in XX/XX/XXXX, another company " XXXX XXXX '' sent me an invoice out of the blue and - says their client is Calvary SPV I, LLC, owns the account. Payment is demanded. This account over the Statute of Limitations and this entity is located in South Dakota. So, we have NY, AZ & SD offices and two different entities demanding payment on this re-aged alleged debt. Thanks to violative conduct by Calvary and associated entities as well as non-compliance by XXXX XXXX and XXXX XXXX by failing to properly obtain verification, harm has been caused to this consumer.
06/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • IL
  • 60438
Web
Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent Calvalry Portfolio Service a debt validation letter certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for only an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me and they dont have anything with proof with my signature on it. Then I received a letter stating the collection was sold to XXXX XXXX XXXX. I then send a debt validation letter certified mail on XX/XX/2023 with a return receipt and they also refused to send me any documents with proof of my signature on it. On XX/XX/2023 around XXXX a random guy gives my XXXX a summoned to court for me. I was never notified of a lawsuit against me for a debt they failed to send me validation for without proof. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
12/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 191XX
Web Servicemember
I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing XXXX XXXX score from increasing. The four companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX... Your time and thoughtful consideration are greatly appreciated. Thanks, XXXX XXXX XXXX
08/24/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 78641
Web
I received a letter XX/XX/2020 from CALVARY SPV 1, LLC XXXX XXXX XXXX. The letter stated that unless I contacted the office XXXX and XXXX XXXX. within 30 days of receiving notice that I dispute the validity of this debt or any portion thereof, this office will assume debt is valid. If i notify this office in writing within 30 days after receiving the notice that i dispute the validity of this debt or any portion of it, the office will obtain verification of debt or copy if a judgement and mail copy or verification. This tactic is a deceptive way for CALVARY SPV 1 to restart the debt collection clock. I notified them I disputed the debts validity and asked for proof. I received a letter dated XX/XX/2020 that XXXX and XXXX XXXX. had received and reviewed my letter and now advising you of denial of inaccuracy regarding my account. They included documents that do not establish how debt was assumed or specific to me. I disagree with the accuracy of the information associated with my name. The letter threatens I have been put on notice in big bold letter. CALVALRY takes advantage of unsophisticated person not knowing Consumer Standard. The documents do not support a factual bases for collection of debt. The documents provided are vague and misleading with inaccurate information. There is a failure to make a connection on how the debt can be valid and associated with me. I was not given any information about steps to take if information provided was incorrect. CALVALRY seeks to provide abusive collection tactics threatening YOU ARE PUT ON NOTICE. The claims made my CALVALRY are unfounded and documentation provided does not establish the dent in question to be mine. The letter does not establish a follow up of communication once documents are reviewed. This letter gives me a impression that a lawsuit is going to be issued or they be suing me. They are misleading clients and violate FDCP debt collection laws.
05/09/2018 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MO
  • 63304
Web
in XXXX my wife at the time took out what she thought was a federal student loan that turned out to be a private student loan, and i was a cosigner, the loan was for XXXX. in XXXX they closed the account out and sold it to Cavalry Portfolio Services in XXXX, while putting incorrect information on the credit report to keep it from falling off after 7 years. so her and i both had an active account with XXXX ( original creditor ) and with Cavalry, but now the amount is over 50k. these two entries have devastated and continue to devastate my credit scores. In XXXX she represented herself in court against Cavalry, conceded to the collection, admitted ownership and they got a garnishment judgement against her. The problem is, they executed the garnishment against a XXXX XXXXXXXX XXXX account in her name that was closed for years prior to this. 3 years later in XX/XX/XXXX without any fore knowledge my employer contacted me letting me know about a garnishment against me for XXXX for an 11 year old debt that is not even mine, not to mention almost 10 percent interest per year on the balance from XXXX on her garnishment judgment. I was never notified or served about this. I was also told by bankruptcy attorneys this is not dischargeable, and that the judge would not set aside the judgment because it was too late after the court date that i did not know about until 3 years later when there was a 2 year statute of limitations. that They are currently taking out about {$1400.00} per month through this continuous garnishment, when they should be going after her to collect on her debt. Also they added another XXXX to the amount reported the the bureaus 4 days ago out of the blue and don't report any of the amounts they are taking from my checks towards the balance that i should not owe in the first place. This is destroying my family as i am the only paycheck for my household.
09/30/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AL
  • 35810
Web
A company by the name of Cavalry purchased an account from XXXX XXXX. They sent a past billing statement they stated came from XXXX, but the amount listed as owed was much more then I had ever purchased as I didnt even have a car at that time. The amount listed as owed is listed on the statement as {$410.00}, but they didnt even have any individual purchases listed so that I could see what they were trying to bill me for. I was sent a card by XXXX over 4 years ago in 2016 and closed this account with XXXX a few months later in the same year. I closed it because I didnt have a car and not much use for it and because of a dispute with XXXX over billing as I had only used the card at one XXXX store buying chips and a soda a couple of times and putting gas in a friends car about 2 times, so the amount owed from my calculations should have been around {$100.00}. I am asking for your assistance regarding this matter as I feel as if I am trying to be taken advantage of. I do not know if it is being done on purpose or the result of Cavalry not looking into the details of this statement but it is clear the amount on the statement is 3 times as much as I charged on this account and 3 times as much as XXXX told me what was owed when I asked them to close this account over 4 years ago in 2016. This is especially disturbing to see because of the obvious discrepancies in what was actually charged and what they are stating is owed and the lack of a list of itemized transactions in the billing statement. but it is especially and even more so disturbing because this country is in the midst of a pandemic with deaths totaling over XXXX and the economy and jobs not being this bad since the Great Depression and people suffering from not having jobs and putting food on the table and this company is asking for me to send them 3 times as much as what was charged on this account.
03/09/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 15241
Web
Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since 2009. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract engineering job. Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur.
12/11/2017 Yes
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 497XX
Web
In XX/XX/XXXX I defaulted on a private student loan, XX/XX/XXXX arranged payments with the collection agency. Monthly payments of {$390.00} were made. XX/XX/XXXX the loan was sold to Cavalry Portfolio Services. Monthly payments of {$390.00} continued. I was to receive notifications in the mail to serve as reminders that payments would be coming out. XX/XX/XXXX. Receive notification of withdrawal. ( see attach 1 ) XX/XX/XXXX. A letter ( see attach 2 ) is mailed to my father ( co-signer ) saying please contact us to settle or set up payment arrangements for this debt. XX/XX/XXXX. Payment of {$390.00} is removed from my account. XX/XX/XXXX Father receives the letter ( see attached 2 ) regarding the account.He contacts me asking whats going on. XX/XX/XXXX I attempt to call to figure out whats going on. Cavalry is closed. It 's a Sunday. XX/XX/XXXX I finally get a hold of Cavalry. They tell me to ignore the letter- it was a computer glitch. They could see I have been making payments and an arrangement already. XX/XX/XXXX Payment of {$390.00} was withdrawn. No mailed notification was received. XX/XX/XXXX. Received an email from XXXX XXXX saying an account was removed. Log into my account and see that Cavalry removed the collection from my report. XX/XX/XXXX XXXX XXXX XXXX. Call made to Cavalry Portfolio Services asking why I never received a notification of withdrawal for XX/XX/XXXX and why the account was removed from reporting? The representative was a bit a of a loss and did not respond confidently. She stated on their end a notice was sent out on XX/XX/XXXX and described the envelope. I told her I knew what the envelope looked like because I save them all for my records. She then that the credit reporting time had expired but the statue of limitations was still in place. She then told me she turned off them Automatic withdrawals.
03/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83814
Web
To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, Cavalry Portfolio Services to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, XXXX and XXXX XXXX. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. Following my XX/XX/XXXX payment to XXXX and XXXX XXXX 's payment portal I received my payment confirmation from their client ( Cavalry Portfolio ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with XXXX and XXXX XXXX XXXX determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. On Friday, XX/XX/XXXX I received notification from the XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since XXXX and XXXX XXXX closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. XXXX and XXXX XXXX now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.
02/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92284
Web
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, XXXXode 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
02/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92284
Web
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
10/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85306
Web
In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 XXXX credit card accounts were subsequently transferred to Cavalry Portfolio Services for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The XXXX cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. Knowing that these accounts had been charged off by XXXX and now had a XXXX balance I contacted Cavalry Portfolio Services on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these XXXX cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the Cavalry Portfolio Services representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!
11/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84116
Web
I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.
07/27/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • GA
  • XXXXX
Web Servicemember
I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.
06/20/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90012
Web
I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.
07/27/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33308
Web
I am writing to you because I am at my wits end. Attached is a letter I wrote to XXXX to try and resolve this without going to your organization, and they aggressively told me to pound sand. All of the salient facts in the matter are included in the letter, so please review. I think that companies reporting to the credit bureaus are unscrupulous and unfair. This account has been held by many creditors. First XXXX, then Global Payments, then Cavalry, now XXXX, XXXX, and XXXX, a law firm here in XXXX. I believe what they are doing to me is unethical at best and unlawful at worst. They keep reporting my debt as a new one yet the last time a XXXX was used by myself or my family was at least 8 years ago. How can they legally do this? I am contesting the validity of this debt. My problems began with XXXX. I attempted to close the account in 2006 and they refused to allow me to do so until I committed to a payment plan. In retrospect, I should have terminated all contact with them right then and there, but as is my want, I attempted to appease them. I believe they charged the account off that year and then sold it to the next firm, who sold it to the next, and the next. How long can they continue to report this debt to my credit report? As you can see in my letter to XXXX, I believe strongly that they have been keeping this debt alive as a methodology to scare me into settling a debt that I dispute. Please investigate to see how many of the charges they claim are actually usury interest rates and late fees. I can assure you that this is the lions share of the debt. It is predatory and deceitful. I am hoping that you have enough information to get resolution on my behalf. Thank you in advance for your efforts to rectify this matter! You are my last resort!
03/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17402
Web Older American
Calvary Portfolio LLC added a collection account to my credit bureaus without notifying me of the proposed debt or giving me the opportunity to dispute under the 30 day notice of first dunning. The only reason I knew is that my credit alerted me that a new account was added as a collection account. I immediately called them and disputed the debt verbally and then followed up with a letter that they confirmed they received. I have called them 4 times and sent another dispute letter and they refuse to remove this collection account as it was used fraudulently while I was undergoing XXXXXXXX XXXX and was disputed with the original creditor " XXXX XXXX ''. There also is NO charged off XXXX account on my credit bureaus so I am suspicious how in fact they even got this account sold to them. They were informed by me that I was consulted by a collection account familiar with the FDCPA that an account can not be reported to the credit bureaus if in fact it is DISPUTED... The account is listed as SERIOUSLY PAST DUE / COLLECTIONS/ATTORNEY Speaking with Customer Relations on Friday XX/XX/XXXX which will be my 5th call to them I spoke with XXXX who would not help but rather try to get me to pay them, I asked for a supervisor and got XXXX who took my information and said they will send my concerns to their upper management. Another delay and another road block to get this resolved. They will not remove it and I have told them that I am a XXXXXXXX XXXX and my only source of income is SSI as I am not able to work due to being in a XXXX XXXX and that I am disputing this and it is making an adverse remark on my credit. I did inform them that if this is not removed I will be conferring with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file damages
02/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 366XX
Web
My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.
11/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33435
Web
The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I agreed to assume the debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )
08/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NJ
  • 07728
Web
I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had Calvary SPV I, LLC as Assignee of XXXX XXXX/XXXX XXXX XXXX XXXX. Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX Bank . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX acct. I just recently was able to get most legal documents. Contacted XXXX XXXX XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and Calvary collections still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by XXXX? XXXX XXXX XXXX as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX nor Calvary will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.
07/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • CO
  • 80108
Web
XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC. On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me. These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years. Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}. But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine. I request an investigation against this company, because they informed inaccurate information for the XXXX company, and this information affects my credit activities and employment activities. I consider this action as defamation.
12/28/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76148
Web
The CFOB has to put an end to the practice that allows debt buyers such as Cavalry Portfolio Services to post collection accounts on credit reports as well as the original creditor. The FICO scoring systems make no distinction that this is the same account that has been paid, they view it as XXXX separate derogatory accounts. Cavalary is reporting a derogatory collection account and the original creditor is reporting a charge off. So according to the FICO scoring systems there are XXXX derogatory accounts instead of XXXX. You have to put an end to this practice of doubling up on the damages. XXXX has refused to delete their derogatory trade line even after they were paid! I never had an account with Cavalry, I never broke a contract with Cavalry, I never had any kind of business relationship with this company. They paid pennies on the dollar for this account hoping to make a huge profit, which they did! And now even after they are paid and made a huge profit they want to continue to damage my credit for the next seven years. That is absolutely insane. You need to reign in these debt buyers and stop letting them report the same account multiple times. If Cavalry buys this debt then the original creditor should delete their reporting. It is crazy that these debt buyers are allowed to get away with this and destroy peoples FICO scores in what amounts to an extortion racket to coerce more money from consumers. Then even after they are paid they continue to damage FICO scores, causing thousands of dollars more in interest payments. I demand that Cavalry delete their negative trade line from all of my credit reports and you need to take a serious look at putting an end to this practice industry wide.
03/30/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 657XX
Web
I have filed 3 previous complaints with the CFPB regarding Cavalry Portfolio and it 's affiliates. See CFPB complaint numbers # XXXX, # XXXX, and # XXXX, for more details. Cavalry Portfolio and it 's affiliates continue to commit the crime of " extortion '' by reporting false information on my credit report as well as no telling how many other victims. Cavalry Portfolio and it affiliates continue to respond with the same false excuse. In complaint # XXXX, I specifically requested certified account level documentation and Cavalry failed to provide it because they can not, which is illegal and the crime of " extortion ''. Proof of the " extortion '' is still being reported on my credit reports very easy to prove. " Extortion '' is a felony crime that ALL participating involved employees with Cavalry Portfolio and it 's affiliates need to be held accountable for. Civil Court Juries have awarded large amounts of money in lawsuits based on these type of practices by junk debt buyers. I know very well that the CFPB has held Cavalry Portfolio and it 's affiliates accountable in the past and imposed heavy fines on them as the agency should. I have heard that President Trump is going to use his authority as President of the United States to stop the " extortion '' by junk debt buyers. Such as to what Cavalry Portfolio and it 's affiliates are illegally doing to the American people. I am also going to contact Missouri State Attorney General, XXXX, Missouri US Senator, XXXX and Missouri US House Representative XXXX regarding the continued illegal practices of Cavalry Portfolio and it affiliates to aid in new tougher regulations being imposed on the junk debt buyer industry to protect the citizens of the USA.
01/15/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78006
Web Older American
The calls started in XXXX till XXXX of XXXX. I was getting 3-4 calls a day. I feel that I was being harassed. I decided to answer the call from Cavalry and the person i spoke with he told me the amount I owed for a debt that XXXXXXXX XXXX XXXX wrote off. I explained to him I had a lawyer and I didn't owe the amount they were say I owed. I even explained to them I had also contacted cfpb. They didn't seem like they cared. I even told them about the charges were wrong. I Don't even think the original company who knew the right amount. I have had 5 different collection companies try to collect on this debt. I have harassed, also been called the f word and also other bad word. The company has sent me to court now for this debt I don'y owe that amount. I have told them months ago. I also had filed with your company on XXXX XXXX. I got a packet from there company, The dates were back from XXXX and XXXX didn't have XXXX XXXX take over till XXXX of XXXX. I tried calling the person that sent the packet. I never respond. They would say I never called because that is what they did last time I had complaint. I would like to know how they can harass me up to 5 times a day. This has been going on for 3 years. I had to change my phone number and also get a blocker on my phone. I am still getting phone calls from this company and my husband also gets them. They can ruin my credit but nothing happens to the companies. I am enclosing the civil court from the county I live in. There is a letter I sent to the person ( XXXX XXXX XXXX ), I also tried calling him but the operator told me he doesn't work there anymore. Now I don't know what will happen now. But also mailed and faxed a copy like my lawyer told me too.
01/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30144
Web
I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..
05/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IL
  • 60409
Web
The debt collection company ( Cavalry SPV I LLC ), sent unidentified individuals to my address on XX/XX/2022 and told my landlord about my debt and that they are going to arrest me on this date. My private debt matter has become public knowledge. When I requested any information to prove any account with Calvalry SPV I LLC the company sent to me documents in a unmarked envelope that did not prove any debt or account with them. Cavalry SPV I LLC, has been by my home several times over the course of a year, which lead me to believe their agents are watching me. The landlord had her XXXX in the front of the house playing, while these unidentified men come looking around for me, the child is XXXX years old she now believes that I may be a bad person, because these men are looking for me. The agents told my landlord that they are going to sue me and that XXXX be taken to jail, over a debt they have no proof I owe to them at all. Its causing my landlady to be under the impression that I have committed serious crimes that I may be involved in a more serious matter aside from debt. These agents have come to the house many times, unidentified and threatening to put me in jail and to sue me. My landlord is not feeling safe to go and come as she pleases, which causes my living situation to be fragile, because theres no trust any longer. The landlord now knows about my private debt, because of the conduct of these vicious agents who keep coming by my house and telling her. They try to coax her into feeling unsafe, and she does. These men, who continue to show up and threaten to take me to jail and sue me makes my landlord uncomfortable. My debt has become public knowledge because of their conduct.
08/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30032
Web
I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.
03/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CT
  • 068XX
Web Older American
IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and XXXX refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore XXXX sold my information to Calvary SPV l.LLC who in turn hired attorneys to take me to court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also XXXX refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this XXXX DEBT was from XXXX until it was sold to SPV l.LLC who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to XXXX with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency SPV l.LLC and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the PREFERRED DIAMOND CARD by XXXX be investigated along with SPV l.LLC and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.
02/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08618
Web
Cavalry Portfolio Services Llc have submitted multiple fraudulent cases against me through XXXX XXXX XXXX. The first case docket # DC XXXX XXXX for a credit card i never had and XXXX XXXX XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with XXXX XXXX that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.
10/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OR
  • 974XX
Web
On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by Cavalry SPV I , LLC. I was going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from XXXX & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
07/01/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 978XX
Web
: CAVALRY PORTFOLIO SERVICE & XXXX XXXX XXXX Account # XXXX {$370.00} Account # XXXX {$410.00} In a recent review of my credit report, I noticed that this company has placed an erroneous and derogatory entry, claiming that I owe {$370.00} & {$410.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since ( XXXX XXXX ) ( CAVALRY PORTFOLIO SERVICE ) i believe are the same companies saw fit to place these item 's on my credit report, they obviously have all the information they need in order to investigate and correct there error. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these debts, and there is some contractual obligation which is binding on me to pay these debts. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of these debts. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or 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. I also hereby reserve my right to take private civil action against you to recover damages.
02/01/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60445
Web
On XXXX/XXXX/XXXX, XXXX were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XXXX, XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted XXXX and XXXX and emailed me stating that according to XXXX and XXXX, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from XXXX and XXXX. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to XXXX and XXXX showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from XXXX and XXXX, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on XXXX and XXXX and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75071
Web
This is concerning Account Number : XXXX previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish. Your company is also furnishing different information to the credit bureaus. How is this legal when all information should be correct? How can there be 3 different Date Last Active? You also failed to investigate that my personal information was compromised in the XXXX data breach. I will attach both my credit report and data breach claim ID. In the absence of any such documentation and other violations, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : CAVALRY PORTFOLIO SERV XXXX
08/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33324
Web Servicemember
This debt is being reported on my credit reports without validation of debt. I disputed this debt with Calvary Portfolio Services on XXXX/XXXX/2017. To date I have not received ANY correspondence validating the debt in which they say I owe and what is being reported to all XXXX Credit Reporting agencies. As of today it has been a total of 81 days since my original request and this company has ignored me and failed to provide validation of this debt. However, Calvary Portfolio Services, LLC., is still reporting this alleged debt to all XXXX credit bureaus monthly. This has adversely affected my credit score and has limited my credit worthiness. I initially requested DEBT VALIDATION from Calvary portfolio on XXXX/XXXX/217. I never got a response validating the debt. What I received was a letter dated XXXX/XXXX/2017 stating they were in receipt of my dispute letter and could not investigate because my " dispute '' lacked information that would allow them to investigate. What I requested was debt validation. In that request I specifically stated that this is NOT a refusal to pay but a request for debt validation. However, Calvary Portfolio decided to ignore my request for debt validation and simply label it a dispute. This was done twice. The same exact correspondence was sent again on XXXX/XXXX/2017 after I sent a SECOND written debt validation request. Calvary Portfolio continues to report this invalidated debt on my credit as verified. What exactly was verified that would validate this debt and prove that I am in fact that responsible party and why have I yet to see such information. Calvary Portfolio has and continues to violate my consumer rights.
01/27/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30253
Web
On XX/XX/XXXX I mailed a certified letter to Calvary Portfolio Service requested an account on my credit report be removed or verified. On or around XX/XX/XXXX I received a response letter from Calvary stating that they are in response of my letter pursuant to the Fair Credit Report ACT on the referenced account and to accept their response letter as validation for the debt I am disputing. On or around XX/XX/XXXX I mailed a response letter via certified mail to Calvary Portfolio Service requesting detailed information regarding the validation of the debt and again to remove the debt from my credit report if they can not provide the proper information. To this date ( XX/XX/XXXX ) Calvary Portfolio Service has continuously failed to validate the debt as requested. On or around XX/XX/XXXX I received via USPS documents from the State Court of Henry County regarding a civil action filed on the behalf of Calvary Portfolio Service. This Civil action has been filed to garnish my wages from a company that I am not affiliated with and have never been employed by. Despite Calvary Portfolio Service not providing any information regarding debt validation they are pursuing legal action against myself and a small business owner on the basis of a un-validated debt. Calvary Portfolio Service is using bullying tactics to force me to pay a debt that they are unwilling to validate. Additionally, Calvary Portfolio Service has seeked out fictitious information regarding a small business owner that I am not affiliated with and has not employeed me. Furthermore Calvary Portfolio Service 's failure to remove this in-valid debt is severly damaging my credit score.
04/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • XXXXX
Web
I am filing a complaint against Cavalry Portfolio Services, LLC, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX NY XXXX ( or XXXX XXXX XXXX XXXX , NY XXXX ), which has been harassing me since XXXX XXXX claiming I owe them an amount of {$18000.00} on an account # XXXX I never initiated with them. They sent multiple demand letters to me and then notified the credit bureaus of my obligation to them, which is not valid. This has subsequently damaged my credit and prevented me from purchasing a home or obtaining other credit. On XXXX XXXX XXXX and XXXX XXXX XXXX I sent Cavalry certified letters requesting validation of this debt in the form of a contract with my signature showing I entered into an agreement with them. They were initially evasive claiming my request was not clear and then finally provided their version of proof of validation, which were old credit card statements not having any connection to them and therefore is not valid proof of any obligation. They have inaccurately claimed they treated my request appropriately pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, which states they have the obligation to produce verification of my signature and any documents showing I entered a financial arrangement with them. They have been unable to produce proper documentation and have reported false information to the credit agencies that I owe them this debt and as such are in violation of these laws. I am requesting they cease their attempt to collect a debt I do not owe them and have the credit agencies remove those items from my credit reports immediately.
09/20/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • IA
  • 50021
Web
Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance
01/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34471
Web
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Current Creditor : Cavalry XXXX XXXX LLC Reference Number : XXXX Recently in the mail I received a collection/charge off account from Cavalry Portfolio Services LLC saying I owe a debt of {$3900.00} that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. *** You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies and send me a letter stating as such. Enclosed with this CFPB complaint are : My drivers license that shows identity Mailing address This letter
08/24/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OH
  • 43147
Web
Calvary Spv I, Llc has filed a lawsuit in the XXXX County Municipal Court in XXXX Ohio onXX/XX/XXXX, Case No. XXXX. This lawsuit cause of action is contract/note in the claim amount of {$3000.00}. Since XX/XX/XXXX I have sent multiple letters in correspondence to the plaintiff in the case requesting for proof of a contractual obligation to pay said company. During this correspondence I was never provided the requested documentation and was never advised of a pending lawsuit prior to receiving the notice that a complaint had been filed. After receiving the notice of complaint I responded onXX/XX/XXXX with a request for production which was sent to the plaintiffs assigned counsel, XXXX XXXX at XXXX XXXX XXXX, XXXX, KY XXXX. A copy of this request was also sent to the XXXX County Municipal Court for filing. To date I have not received any documentation showing a contract/note in place with Calvary Spv I, Llc. I have responded to all letters from the plaintiff within 30 days of receipt of all letters which requires them to provide a response to my verification request. Calvary SPV I, LLC is listed as a creditor on the most recent letter that I have received from the plaintiff. If they are a creditor that means that they would have offered me credit in exchange for some product or service. If this transaction did take place they should have a signed contract or note bearing my signature with terms, conditions, and a itemized listing of what product or service was exchanged for the extension of credit. I have not received any such documentation to date and now I am being sued and this information is also still listed on my credit report.
10/10/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • CA
  • 93444
Web
I am reporting Calvalry Portfolio Services for illegally reporting false information to the XXXX Credit Bureau. It can be found under the Public Record section of my credit report. They have deceived the credit bureaus to intentionally re-age the debt. The background of this debt : This account with orignially with XXXX and openedaround XXXX XXXX. I have the records indicating the first missed payment was XXXX XXXX. It was charged off XXXX XXXX. This account is only supposed to continue on record until XX/XX/XXXXCalvalry 's False Claims:1. ) They claim to have served me notice on XXXX XXXX XXXX. This is inaccurate. I received no claim and had no knowledge of Calvalry 's identity or that the debt changed hands. Calvalry can not provide any evidence for this claim. 2. ) They claim that their law firm, XXXX XXXX served me notice on XXXX XXXX XXXX. This is also false, I received no such notice and neither Calvary or the law firm has any evidence to support the claim. 3. ) They claim that I was served notice on XXXX XXXX XXXX that XXXX XXXX filed a lawsuit for the account. This claim is also inaccurate. Neither Cavalry nor the law firm can provide any legitimate accurate evidence to support this claim. I am reporting Calvalry and their law firm for giving false information to the courts. I received no court summons, no information from Cavalry whatsoever that the debt changed hands. I made absolutely no deals with them, received no notices or court papers. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX XXXX when it is only supposed to be XXXX XXXX
07/22/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • WA
  • 992XX
Web
Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
12/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web Older American
Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX Data Breach files are being created in my names. Today received letter from XXXX XXXX XXXX XXXX. Referencing Calvary SPV 1, LLC and referencing XXXX XXXX requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.
09/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31313
Web Servicemember
On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
07/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 61265
Web
On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX sent a letter stating that Calvary Portfolio was their client for a debt balance {$3300.00}. XXXX XXXX XXXX Services stated they were authorized to accept {$1000.00} on behalf of their client, due XXXX/XXXX/2019 as settlement in full. I sent {$1000.00} to XXXX XXXX XXXX XXXX to settle this account in full and XXXX confirmed my payment was delivered to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XXXX/XXXX/2019 at XXXX Central and signed by XXXX XXXX On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XXXX/XXXX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from XXXX XXXX XXXX XXXX to verify this new amount due of {$2300.00}. I checked my three credit reports and Calvary Portfolio has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with Calvary since this was settled in full per the terms outlined in the letter sent by XXXX XXXX XXXX XXXX XXXX/XXXX/2019.
06/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 601XX
Web
In XXXX there was a XXXX credit card opened in my name, when I found out about the credit card I took immediate action. I contacted XXXX to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In XXXX and in XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In XXXX the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted XXXX to inquire about it. I spoke with XXXX and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, XXXX always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
04/30/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33177
Web
On XX/XX/XXXX I pulled a copy of my credit report and notice Cavalry along with some other negative accounts that i was not familiar with reporting to the 3 major credit bureaus XXXX, XXXX and XXXX. So I sent a letter to the bureaus asking them to do an investigation. The bureaus responded XX/XX/XXXX. They corrected and deleted all the questionable accounts except Cavalry. They said Cavalry has verified that the account is accurate and it belongs on my credit report. So XX/XX/XXXX I wrote a letter disputing the account with Calvary asking them for a copy of the contract I signed with them along with some other pertinent documentation as proof that this account is mine. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Cavalry sent me a bunch of computer generated statements they created stating that was the proof that the account belong to me. None of the documentation they sent had my signature and all the pertinent documentation I requested to further prove the account belong to me was not sent. On XX/XX/XXXX I again sent a letter letting them know that they are in clear violation of the fcra and fdcpa and should cease reporting to the bureaus because they are trying to collect a debt that does not belong to me. They responded 4 days later XXXX XXXX XXXX with another computer generated letter stating that they have verified the account. I will be attaching 1. response from XXXX stating that Calvary verified the account as accurate 2. first dispute letter sent to Calvary 3. response to first dispute letter 4. second dispute letter sent to Calvary 5. response to second dispute letter sent to Calvary
08/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 78521
Web Servicemember
I had repeatedly contact XXXX XXXX in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. XXXX XXXX then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company Calvary SPV I, LLC never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now Calvary is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with Calvary and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. Also I think the account is more than XXXX XXXX XXXX? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21215
Web
On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. As of this date, the Agency fail to show proof the debt is valid,
03/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20748
Web
XX/XX/XXXX : I notice my online bank account/ was not functional for me to view my direct deposit so I called the bank and that is when I found out that there was a write of garnishment of property on my account. I called XXXX XXXX XXXX and spoke to a women who answered the phone and took my up to date information and I ask her why didn't they go thru my job with XXXX which I've been employed with for the past 29yrs she said they couldn't locate me and I said to her well you found me at XXXX XXXX XXXX XXXX and I haven't work their in over a year and that was a part time job for garnishment. XX/XX/XXXX : I went to the court house in XXXX XXXX County House I was appointed to court attorney explain to them ( her ) that I didn't know a third party could block me from debit money from account to pay my bills or just debit any money out ... .but when the attorney ask me to get a copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ... I was living in XXXX Va. XXXX XXXX XXXX XXXX from and now they want to try and collect the initial amount and 9yrs of interest I didn't find it in my last year credit report I requested another I really don't believe this my account I just do not remember it if this is why wait so long and why not for thru my job where I've been employed for the past 29yrs? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money had to change bank accounts for this past direct deposit. I'm not for sure how much there buyers bills is there was no negotiation what so ever I'm XXXX.
10/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MD
  • 20904
Web Servicemember
This is the first time that I have received anything from Cavalry SPV I , LLC. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. Cavalry SPV I , LLC has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.
01/15/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77373
Web
In reviewing my credit report I noticed an account listed from CAVALRY PORTFOLIO SERVICES. However I have no knowledge of this account. My first concern is that I was never notified of this debt, so I immediately go to the company website. When I attempt to login and see what this is about I get an error message saying I need to contact another company. Meaning this company no longer has control of the alleged debt : yet it is still reporting. I have received no communication from either place which is alarming to me. I am disputing this account. This letter is being sent to you in response to an entry made on my Credit Report dated XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. This account needs to be permanently deleted.
08/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77056
Web
On XX/XX/XXXX I reviewed my credit report through XXXX. I noticed that there was an account in " Collection '' status and I wrote a letter to XXXX and XXXX disputing the alleged account stating that it was not my account. XXXX never responded and XXXX did so with a letter dated XX/XX/XXXX. I also received a letter from Cavalry dated XX/XX/XXXX, with attached documentation stating that the account disputed through the credit bureaus was mine and the information was accurate. I then wrote a letter to Cavalry, dated XX/XX/XXXX, explaining what I had submitted to the credit bureaus and now asking them for the same information to VALIDATE the account that was placed on my credit file. On XX/XX/XXXX I received a response from Cavalry acknowledging my letter but not providing the requested documentation to show me PROOF and VALIDATION that the account being disputed belong to me. I then sent another letter to Cavalry on XX/XX/XXXX explaining that they had not sent me the required documentation and that I have the rights to dispute and obtain information of a debt that they say I owe to them. I received another response letter from Cavalry on XX/XX/XXXX maintaining their position that this account belongs to me and that the information they have reported the credit bureaus is accurate. They have failed on two occasions to provide me with the documentation to VALIDATE this account. I am asking for your help now to mandate this creditor to either submit the requested documentation or remove the " Collection '' account off of my credit file with both XXXX and XXXX. Thank You
08/27/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • VA
  • 22405
Web
Yesterday, XX/XX/XXXX I recieved a Warrent in Debt from XXXX XXXX Court House, In XXXX XXXX Virginia. It States I owe a debt with XXXX which I do. And Shows that XXXX sold my account to Cavalry in XX/XX/XXXX. I recieved no letter from Cavalry warning me of any suit or to resolve any debt issue. I was not provided the opportunity to excersise my rights to validate the debt prior to Warant of Debt Notice. Also the amount they state is $ XXXX. When I stoped payments in XX/XX/XXXX to proceed with setting up Financial Counseling with XXXX Solution who is My Debt Councilors the debt owed to XXXX was {$1400.00}. Somewhere there is an extra XXXX that I dont know where it came from. in XX/XX/XXXX I had attempted to place XXXX in the Debt Program with XXXX XXXX along with my other debts brought on by a series of events last year but XXXX denied the proposal for reasons unknown. Since then I waited to see if this would go to collections and no notices where recieved. Until yesterday I recieved a package of a warent in debt with a credit card statement. There are no letters showing anything from the Cavalry company. I ask that This can be resolved without court action. I have submitted a letter to them by researching their phone number online and finding a fax. I sent a leter via fax to XXXX today XXXX XXXX, XXXX know I had a debt of {$1400.00}. The most I can pay is {$30.00} a month for the current time. I 'm the sole provider for my family and my husband is XXXX. My children are only XXXX and XXXX. Any Help in understanding this matter would be greatly appreciated.
08/31/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • XXXXX
Web
XXXX - XXXX, XXXX calls me incessantly about a debt they purchased from Cavalry SPV I , LLC. I know Cavalary as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, Cavalary, SPV I, LLC, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. I also have a letter dated XXXX XXXX 2016 from XXXX XXXX , XXXX stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. I 've since blocked their number, but they continue to call.
03/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07666
Web
A law suit was filed by an attorney for a bulk debt buyer in XX/XX/2017, however, this was the first notification from the debt buyer that I owed the amount stating on the form. I previously disputed the unauthorized charges of {$5000.00} on my credit card when I received the bill with the original creditor and was told that it was under investigation with the fraud department. I followed up with a letter to dispute it with the bank, and continued to wait for a resolution, spoke on numerous occasions with customer service reps who told me it was being worked on. The bank also hiked up the interest rate while I thought the debt was being disputed to 26.99 % from its 17.49 % which increased the interest due to approximately {$4000.00},. The interest due plus the {$5000.00} unauthorized charge amount, and the actual amount owed of {$8000.00} brought the amount to {$18000.00}. I am liable for only {$8000.00}, plus the standard interest of 17.49 %. The bank did not investigate the fraud charges on my credit card account, but sold the debt to a junk debt buyer. I was not notified by the original creditor that the debt was sold, neither was I ever notified by the debt buyer that I owed the amount they claim. I was not given the opportunity to dispute this debt by the debt buyer, but received a complaint for a lawsuit for the full amount of {$18000.00} which I do not owe. This lawsuit should not be used to trigger a dispute with the debt buyer and it appears that there is a violation of the FDCPA. I do not owe the amount of the debt and I am again disputing it.
12/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44406
Web
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to Calvary so they no longer report any updates. Calvary states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. The account listed on my credit report is XXXX, the collection agency I paid in full is Calvary Portfolio. I have the letter showing that I satisfied this debt and it is attached to this complaint.
10/31/2023 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • VA
  • 22193
Web
On XX/XX/XXXX, XXXX, XXXX XXXX XXXX without any communication, garnished my XXXX XXXX Account, they sent the va garnish papers to the bank, I called bank and they could not go into details as the {$20000.00} was pending and I should call in a few days after it had been posted. I called XXXX XXXX handling the file ( XXXX ) several times and they would say they are attempting to collect the debt and verify it but yet did not attempt to even talk to me about this debt, when i asked questions trying to clarify the creditor, get a phone number to communicate to the creditor, I got ridiculed for asking for information as they say it has been a debt since XXXX some said XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, at some point left a message for XXXX AND XXXX. For a week nobody helped and on XX/XX/XXXX, after trying to solve this differently for week i called them back, and tird againg XX/XX/XXXX I spoke to these same indivduals but this time decided to record every time i called back from someone hanging up the phone to not answering my questions of just wanting 1. A copy of orginal contract i signes for the debt, 2. Payment histry if at all from the original creditor, Name and adress for original creditor andproof of ownership that XXXX XXXX XXXX XXXX were assigned this debt of about {$23000.00}. I recorded about 10 voice memos in a space of 1 hr and no help or answers were provided to me as the person whose account has been garnished. I called CALVARY SPV LLC, spoke to XXXX who are their clients but they gave me the one answer to talk to XXXX XXXX XXXX XXXX.
05/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 490XX
Web
I sent out the 1st complaint electronically to XXXX/XXXX XXXX on XX/XX/XXXX asking to verify the " alleged '' account # XXXX in the amount of {$830.00}. I was never contacted, however my credit report had a mark from them which was not dated since the last activity showing was in XX/XX/XXXX saying " charged off as bad debt, purchased by another lender ''. I then realized there is a collection account showing as Cavalry Portfolio, on my credit reports for the same amount and account number, so this " alleged '' account that XXXX/XXXX XXXX is reporting as derogatory on my credit report and number of 3 times. I then send a certified letter on XX/XX/XXXX and it was delivered and signed for on XX/XX/XXXX, asking both XXXX/XXXX XXXX & Cavalry Portfolio to verify evidence of signature showing the " alleged '' account was reported accurately. I also asked them to provide me with all names, addresses, and phone numbers of each person 's verifying the " alleged '' account. I then receive a letter dated XX/XX/XXXX from both parties simply stating that the account is verified and they have both reported accurate information to all three bureaus?!! HOWEVER, they never sent me evidence of my signature which by FCRA they have too, and the never sent me the person 's verifying this " alleged '' account! They did not even say they marked my reports as disputed! I want these " alleged '' accounts/charge-off 's deleted from both of their files, and all three credit bureaus immediately. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
02/02/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • CA
  • 94509
Web
I got a letter in the mail XXXX. from Calvary Portfolio Services stating that they purchased my debt account from XXXX XXXX and are now the owners. Since then they have called me repeatedly ( sometimes once a minute for XXXX mins ). they have called my girlfriend, a past Employer of mine who called me to let me know a " Private Investigator '' was looking for me, and today called my brother ( immediately after calling me and leaving the voicemail below ) with the following conversation : " Is XXXX there? Is this XXXX Where is XXXX XXXX ". My brothers phone number was NEVER listed on any appliaction of mine anywhere which led me to believe that they found his name and number illegally. This is the phone call I received at about XXXX from " Unknown Caller '' which I did not answer. This is the Voicemail left : " Yes, Uhm Good Afternoon, my name is XXXX XXXX , Im a Private Processor with the County Serving Courts, and this is a request to serve you a summons regarding a lawsuit that is being filed against you at this time. Now, the firm that has filed the suit against you has asked me to provide you with a courtesy call with their contact info meaning, if you have any questions or concerns regarding this matter, please contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. When calling please refer to your case number which follows as : ( random numbers-CV ), thank you ''. I recognized what was going on when he gave me the phone number to call for that " XXXX something XXXX XXXX ''. That number is the phone number for XXXX XXXX XXXX, a debt collector.
11/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • XXXXX
Web Older American, Servicemember
Collection agency is attempting to collect a debt from me that I am not aware of and they have not provided me with relative information concerning why they thin I owe this debt. Therefore, I am disputing the referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. by providing me with the following : 1. The full amount and complete accounting of this debt 2. Proof you are licensed to collect debts in Michigan or under what authority you claim to collect this debt in the State of Michigan, 3. Proof of the last payment on this account 4. Why Calvary Portfolio believes I owe this alleged debt Because I am disputing this debt, until a proper investigation is completed and this debt is validated the information concerning this debt is assumed to be inaccurate.Calvary should not report it to the credit reporting agencies. If they have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should Calvary pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on yo ur failure to comply with the FDCPA. Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
09/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • ND
  • 58104
Web
I am writing to file a formal complaint against Cavalry SPV I , LLC a debt collector that has been engaged in troubling and unlawful practices in their attempts to collect an alleged debt in the sum of {$2100.00} from me. I have experienced multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), and I believe it is crucial to bring these issues to your attention. 1. Lack of Validation : I have sent them several validation of debt letters requesting them to validate the debt but Cavalry SPV I , LLC has failed to provide me with proper validation of the debt as required by the FDCPA. Despite my numerous requests, they have not provided any documentation or evidence that validates the existence and legitimacy of the alleged debt. Instead, they have repeatedly sent account statements without supporting documentation. The balance of the debt is incorrect. 2. Absence of Original Documentation : I have specifically requested that Cavalry SPV I , LLC provide me with the original contract or agreement containing my signature, which is essential for me to assess the accuracy and validity of the debt. They have refused to furnish this documentation. 3. Threats of Legal Action : Cavalry SPV I , LLC has also made threats of legal action against me, including the threat of filing a lawsuit, without first providing the necessary validation of the debt or the required documentation. These actions by Cavalry SPV I , LLC not only constitute violations of the FDCPA but also create undue stress and XXXX for me as a consumer.
01/21/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77042
Web
On XX/XX/XXXX, Calvary Portfolio Services falsified information regarding the date a XXXX XXXX was allegedly opened by me while the only XXXX XXXX i had was opened in XX/XX/XXXX and the last activity in that account was around XX/XX/XXXX. Calvary Portfolio RE-AGE the account and reported that the said account was opened on XX/XX/XXXX which is false. The alleged amount that Calvary Portfolio is seeking for which they are claiming i am owing is {$2500.00}. I did not open any Credit Card on XX/XX/XXXX. I have disputed this report with the credited agencies and want this false collection removed from my credit report immediately. According to FCRA Section 605 ( c ), it is against the law for any collection agency to re-age an account by reporting another date which is not the date of the last delinquency. Texas Debt Collection Act prohibits any collection agency from providing FALSE information and this is a violation of The Deceptive Trade Practice Act. Texas State statue of limitation Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Texas state laws are more consumer friendly than most states where the statute of limitations starts after the account has been charged off. In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the date of last activity or DLA
10/06/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29223
Web Servicemember
When I pulled my credit after getting denied for a loan inXX/XX/XXXX, I noticed that there was a collection on my credit that I was not aware of and have never received any information pertaining to this debt or the opportunity to dispute and or validate prior to XX/XX/XXXX. I filed a dispute with all three credit bureaus asking for validation of the debt. On XX/XX/XXXX I received a letter stating that they received a letter of dispute but that the dispute was lacking any specific information to conduct an investigation. I attempted XXXX more times through the credit bureaus and each time it come back validated but no information was giving as to how it was validated as well as what documentation was use to validate this account. On XX/XX/XXXX I sent a letter via certified mail to this company asking for specific information regarding the validity of this account and again I received another letter stating the same information that they received a letter of dispute and was lacking any specific facts when the letter listed asked for specific information. This company has had almost XXXX months to provide me some type of information to validate this debt and has not provided me with anything. Their lack of cooperation is causing a serious hardship to my financial situation and a violation of the Fair Credit Reporting Act. I have attached the letter that have been sent, the one that is addressed to XXXX was sent to the other bureaus addressed accordingly but this is to show what was sent showing that I asked for physical proof.
06/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 104XX
Web
After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to Cavalry Portfolio Services , LLC they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.
06/15/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 762XX
Web
On XX/XX/XXXX, Calvary Portfolio Services ( as Assignee of XXXX XXXX XXXX XXXX ), reported that I owe {$8700.00}. It also shows date of first delinquency of XX/XX/XXXX..The first I knew of this claim was AFTER XXXX had assigned the account to a collection agency. I have be in regular contact with 4 different collection agencies, asking each one of them to please send me something showing what the basis of this claim was. Credit card charges, etc. Each one of the agencies said all they could provide me with was the last 6 months of statements, which only showed a balance forward, more interest, and the new balance. A couple of the agencies offered to " settle '' for {$500.00}. But I have no idea what the claim is for, so I 'm certainly not paying until they can tell me what it 's for. ( Please see attached time line of my when I was in contact with each of these agencies ). You can look at my credit history. In addition, on XX/XX/XXXX, XXXX send me a letter saying my account was compromised ( Letter attached ). XXXX has now sued me in an attempt to collect this money. Please review my credit history as well, as you can see I have never been late or failed to pay a bill EVER. We pay our bills timely EVERY MONTH. I am disputing this debt and ask that you investigate this claim and request that the creditor, Calvary Portfolio Services, provide solid information as to the charges that form the basis of their claim. ***PLEASE ALSO NOTE THAT XXXX NOTATED WHEN THEY REPORTED THIS " DEBT '' THAT I HAVE DISPUTED THIS CLAIM
02/25/2017 Yes
  • Credit card
  • Other
  • NJ
  • 07724
Web
I have been fighting with Cavalry SPV I LLC regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collects where they buy a debt that has aged out 5-6 years and then re-report it on your credit report as of the date they purchase it. The problem is by law ( in most states ) the collection account is only valid on a personal credit report for a total of 7 years. When the collection company re-ages it, the consumers credit scores takes a significant drop ( in my case over XXXX points ) as the debt looks like it just went to collection. Secondly, they do this so they can have the debt on your credit report for an additional 7 years. This Company should be investigated for their practices not only in my case but in all the consumers they have affected. I have went thru the expense of hiring an attorney to assist in this as well but it seems to fall on deaf ears. The Company 's lawyer ( who I will list below for CFPB to contact ) claims her client knows nothing about the issue and refuses to address it. So here we are, hopefully the CFPB can address this promptly and all the consumers who have been violated under the law will take some form of satisfaction in seeing Cavalry SPV get what they have coming to them. {$1000.00} fine for each violation. The max allowable by law. Attorney for Cavalry : XXXX, XXXX. XXXX , XXXX XXXX, NJ Office : XXXX, XXXX, NJ XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX
08/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20009
Web
Receiving calls after XXXX XXXX at night from companies I've never heard of, including Calvary Portfolio Services, XXXX XXXX XXXX from several phone numbers including XXXX and XXXX. Most recent late night call from the latter number was XX/XX/XXXX at XXXX XXXX They rarely leave a message and when they do they indicate they are trying to collect a debt. My mortgage foreclosure was handled several years ago through a HUD program ( SOHAZ ) and is closed ( according to not only the former mortgage holder but my credit reports ). It was closed in XXXX. No one should be calling me about it, and it is indicated as closed/resolved with all credit score agencies. If a debt collector is calling me for any other reason they have the wrong number, but regardless of whether they're dialing looking for the right person or not, they're repeatedly calling after XXXX. at night which is illegal. I have received calls as late as XXXX XXXX. but only recently began tracking the calls because they keep waking me up! Usually by the time I get to the phone out of a dead sleep they've hung up or it has gone to voice mail, but then they rarely leave a message. Calvary Portfolio called me this afternoon, and left me a message for the first time identifying only that they were a debt collector ( I had to figure out the company name myself through other complainants posting with the caller ID info on the internet ). The robo message said they were calling about a debt and left a callback number, but I don't owe them any money.
01/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 349XX
Web
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
06/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30907
Web Older American, Servicemember
I was notified by XXXX XXXX XXXX. on XX/XX/XXXX that my husband 's SS #, DOB , phone number ( but not address ) and identity had been used to get credit from XXXX XXXX to purchase furniture online from XXXX XXXX XXXX for {$4700.00} on XX/XX/XXXX. The loan was purchased by Cavalry SPV I/LLC ( file # XXXX ). I discussed this with Cavalry and the address used was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA and we had never lived there. I assume the furniture was delivered there or some other location. It looks that purchase happened on 2 separate occasions. We have never lived in XXXX XXXX. Cavalry had my current address as they send us the bill. They would also have my previous address. I did file a police report with XXXX Co. GA sheriff 's office ( file # XXXX ). I also wrote a letter to Cavalry explaining that this was not my husband and we never purchased with credit from XXXX. I have purchased from there but always charged with XXXX. I believe Cavalry knows this was not my husband and this was identity thief/fraud based on my discussion with them but they are continuing to contact us. This is harassment as we are the victims! They know the furniture was purchased under fraud and they know where it was delivered! I requested the debt be removed from our credit reports and any other places it may appear as it is not us! According to them, they need this formal, notarized document to do an investigation. That is not a legal requirement! I want this to go away and them leave us alone!
05/26/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32806
Web
Please remove Cavalry Portfolio Services for {$3500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The validation letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery and a copy of the letter sent. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received from Cavalry Portfolio Services. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued. According to Regulation 1006.34 as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not sending any itemization for any of the charges of this debt, therefore it needs to be removed from my credit report and legal action ceased.
09/23/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72404
Web
Calvary SPV has been garnishing my bank account every 2 wks since XXXX. That debt defaulted in XXXX, a judgement was dated XXXX. The judge ordered a dismissal on that case in XXXX, but they continue to this day taking withholdings from my bank account in the amount of {$21.00} every two weeks. XXXXXXXX XXXX XXXXXXXX XXXX XXXX hired them to collect, but then XXXXXXXX XXXX XXXXXXXX sent me a copy of the Order of Dismissal that they sent to the judge for signature. Cavalry intends to continue taking withholdings until the year XXXX as shown to me by a female Customer Accounts official at XXXXXXXX XXXX I called Cavalry to inquire about the garnishment in light of the dismissal order, and the agency tried to resurrect the debt, by sending me a debt validation letter. The letter said since I asked for validation they have a right to start collection efforts. I DID NOT ask for validation, I made inquiry as to why the garnishment was there. This was in XXXX. I sent the dismissal to the courts, to XXXXXXXX XXXX XXXX, and to Cavalry, but nobody responded. I've called all 3 places and XXXXXXXX XXXX, and I can't get anybody to give me straight answers. Both XXXX XXXX XXXXXXXX XXXX Cavalry denies garnishing my account at this time but the court clerk and XXXX acknowledge the Garnishment. When I asked the clerk who is garnishing my wages she said XXXXXXXX XXXX XXXXXXXX and Cavalry SPV. There are two cases, but one has been paid in full to XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX MO.
11/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77084
Web Servicemember
On XX/XX/2022, I mailed a letter to Cavalry regarding the debt they placed on my credit report for {$1500.00}. I requested validation of this debt. I have no knowledge of this account. On XX/XX/2022, I received a letter from Cavalry acknowledging that they received my dispute however they refuse to validate or send me any documentation to validate the claim they place on my credit report. I have never done business with this company. They claim that XXXX SOLD my personal and private information to them, which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). Cavalry Portfolio Services claims I owed them {$1500.00}. I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ). My personal and private information was obtained and SOLD to other organizations as well, such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders. .
10/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33935
Web
I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request Cavalry Portfolio Services , LLC ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( XXXX XXXX ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit bureaus. On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE ( XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like Cavalry Portfolio from using deceptive, false, or misleading representations in the course of collecting a debt.
05/26/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32806
Web
Please remove Cavalry Portfolio Services for {$1500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued or the amount owed. According to Regulation XXXX as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list and amount owed if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not itemizing any of the charges of this debt or stating the amount owed, therefore it needs to be removed from my credit report and all legal action must be ceased.
02/01/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WV
  • 254XX
Web Servicemember
Hello, I paid a collections debt in XX/XX/XXXX to Calvary Portfolio Services LLC. The original debt was with XXXX. We settled for less than the original amount due totaling about {$2300.00}. On XX/XX/XXXX, I received a letter from XXXX stating that they owed me {$340.00} for misusing my account protection that I had during the time the account was open. The letter stated that it would be sent to my account. I called XXXX and they said that because my account was closed, a check would be sent to Calvary and Calvary needs to forward me the check. When I called Calvary they stated that in XX/XX/XXXX, the {$340.00} came to them and they applied it to my CLOSED account. They said they kept the money because we settled for less than the total amount, so they just applied the refund to the money received for the settlement. I kept asking the customer service supervisor to explain to me how they can keep money on an account that has been settled, paid and closed and her only response to me over and over again was that the account was settled for less than the total amount of debt. I received a letter after paying the settlement and it stated that my account was paid for less than the amount and was closed at that time. If the account is closed, they need to send me the money that was sent to them. It is robbery that they are keeping this from me and they are breaching their contract in stating that my account was closed. Please help me figure this out. Thank you, XXXX XXXX
03/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21113
Web
I have requested validation of debt with both the credit reporting agency and the creditor Cavalry Portfolio Recovery. The credit reporting agency continues to report information on my report that does not belong to me and/or incomplete or no knowledge of. I was not notified of any existing debt with this debt collector or anyone with affliated with this account. The credit reporting agency continues use XXXX to dispute this information without validation of debt. This process violates my rights to receive fair creditor reporting and has since cause irreparable harm to me financially. The following information continues to be disputed with XXXX with dispute numbers attached. Cavalry Portfolio Recovery has never notified me of any outstanding debt and I have no reason to believe this information is accurate. I've requested information bearing my signature and validation of debt. To date, I have not received any information. Below are the number of disputes submitted to the credit reporting agency. The continue to submit the information through XXXXr and return the information back by third party without verifying the information to the creditor directly. XX/XX/2022 - # XXXX XX/XX/2022 - # XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX Today on XXXX I spoke to XXXX at the credit reporting agency and XXXX. XXXX hung up on me when I requested a hundred word dispute. I requested several times. I would like a full complete validation of debt.
04/30/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • XXXXX
Web
I noticed there was a debt on my credit report and contacted Cavalry Portfolio Services. I received a call back from a place called XXXX XXXX who said they collect for the debt collector Cavalry. Through various communications and letters the amount given ( what they said they purchased & I owe ) changed 3 times. I spoke to several people and was offered a settlement around {$700.00} to close the account & remove from my credit report in which I agreed to just make this go away. Several times I spoke to a lady named XXXX. Each time I contacted them I gave them my PO Box as I never received any mail from them with this so called agreement they were sending. On one occasion I spoke to a lady asking when this agreement would be sent and was told it was in my best interest to go ahead and pay it today before it became a charge off and was on my report for 7 years. On XX/XX/XXXX I tried to get a loan for a house and was notified about this open account from Cavalry ( I had forgotten about ) and tried calling them again. On the third attempt I got a guy on the phone who was very rude and shut me down telling me he wouldn't talk to me and I should contact their lawyer at XXXX. XX/XX/XXXX I contacted the law office and spoke to a very friendly lady whom discussed the issue and then contacted Cavalry about a settlement on the account. Cavalry again changed the amount and told her nothing less than {$800.00}. The customer service at Cavalry is beyond horrible.
01/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30341
Web
I wrote Cavalry Porfolio Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from Cavalry Portolfio Services dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus. I received a letter dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which a generic response of this debt is valid or verified, again without any documentation. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from Calalry and myself. After speaking with XXXX today, XX/XX/XXXX, they have removed from my credit file. XXXX refusues to delete even after receiving the correspondences between Cavalry and myself. XXXX is still investigating as of XX/XX/XXXX. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from Cavalry Portfolio Services and they refuses to remove from my credit files.
01/23/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 49504
Web
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.
04/14/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • FL
  • 320XX
Web
CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.
07/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02740
Web
Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
11/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 76132
Web
Calvary SPV I, LLC, original debt is XXXX. I went through hardships and lost my business, aka XXXX/job after 16 years. Kept paying on dept to XXXX and creditor kept charging outrageous interest, penalties, and fines. Eventually XXXX locked me out of the account and I could not pay my bill then sold debt to Calvary SPV I LLC. without any notice to me. Calvary Spv I LLC contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. Calvary doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.
06/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 49037
Web
I have an old debt that became past the statute of limitations in XXXX, XXXX. This debt with XXXX - XXXX XXXX was disputed a few years ago and was dismissed and removed from my credit report by the previous account purchaser. Calvary Portfolio purchased this debt in XXXX, XXXX and reported it as a brand new debt on my credit report, and have repeatedly hit my credit report in the last year with this debt. They have sent documents saying that I'm being sued and that I have to send them all sorts of financial information when they already know that I am XXXX and rely solely on XXXX. This debt was dismissed by the last company that purchased it and it was removed from my credit report. Calvary Portfolio is adding it without any of the original information to make it seem like it's a brand new debt so they can sue me after the statute of limitations has passed in Michigan. They even included the age of the debt as the age of the debt since THEY purchased it, not the actual age of the debt. This debt has less than a year before it comes off of my credit report and now they've added it as new and are trying to sue me as though it's a new debt. The report they've put on my credit report is misleading and false and then they continue to bully me by pulling my credit report repeatedly and and re-pinging the debt so that it effects my credit score. Purposefully not including information in the report is misleading and invalidates the debt.
05/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95219
Web
I contacted XXXX XXXX to pay an old debt, they referred me to Cavalry Portfolio Services, I contacted them from a place of business not my employment. When asked if this was a good contact number I specifically told them it was not and I was using someone's else phone and not to save this number. I spoke to XXXX XXXX XXXX, XXXX XXXX who says her initials are XXXX ( Convergence their outsourcing company ) and XXXX XXXX. When I called them they told me the debt was inactive from XXXX and they couldn't accept payment. XXXX XXXX told me they sold the debt to them. I was then advised by XXXX that she had to give me a new address of XXXX XXXX XXXX XXXX, XXXX, WA XXXX and I advised her that is not what is reporting on my credit report as what is reporting on my report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I'm confused if this is even the same or correct company. I feel violated and embarrassed that they call my realtors place of employment for me for a debt that is 10 years old, charged off that I called to pay. No one seem to be able to help or take payment. When I spoke to XXXX she asked me to call her back in one hour then shortly thereafter XXXX XXXX called my realtors office and had no idea I had spoken to her. She put me on the phone with a XXXX but now. How do I know I owe these people no one seems to know anything or be in communication with anyone. The number that called me was XXXX at XXXX on XX/XX/XXXX.
03/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75702
Web
Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
06/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WV
  • 253XX
Web Servicemember
CAVALRY PORTFOLIO SERV {$13000.00} XXXX ... I have tried to explain to this company who bought out my XXXX XXXX XXXX that I do not owe this. I am XXXX XXXX XXXX. I do acknowledge that I signed up for the XXXX XXXX but I did not purchase anything. I also explained that I didnt receive anything in the mail or by phone before it went to collections and was bought out by CAVALRY PORTFOLIO SERV. They replied that they sent mail. I am XXXX and do not collect my own mail. I also asked why it wasnt sent by certified mail? I requested a copy of this debt and I am completely disputing it. I have made multiple attempts to work with CAVALRY PORTFOLIO SERV to remove this debt as it severely affects my well being physically and mentally from the stress. After receiving a copy of the debt they bought I have reviewed it thoroughly and theres no proof I made any purchases. Theres proof I initially signed for the card but thats it. I got XXXX XXXX shortly after signing up for this card and I didnt make any purchases. I dont even know how the credit limit was so large as I only make {$270.00} a month on XXXX XXXX XXXX XXXX I would never be able to pay this back and I believe I am a victim of credit fraud. I need help resolving this issue as CAVALRY PORTFOLIO SERV is not willing to listen and keep saying I was notified by mail. I explained I didnt receive the mail and theres no way without them sending it certified to prove I did.
08/08/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MD
  • 20748
Web
I received a letter from my credit union on XX/XX/XXXX informing me that all of my existing accounts will be garnished and or frozen, due to the receipt of a writ of garnishment in the amount of {$3000.00}, effective XX/XX/XXXX. In addition, a service charge of {$100.00} had been debited from my account. The letter stated the credit union could not assist me with this matter and to contact a company listed in the letter, in which I have no idea who they represent or who the debt is supposed to be owed to. I have not received any correspondence regarding this matter. I contacted the company concerning the matter and was unable to get any information or assistance. The company requested my full name, social security number, date of birth, and address to even speak with me. I was not comfortable with providing this personal information by phone, especially to someone that I no knowledge of. They told me the conversation was over since I would not provide the information to them, and I can check with the courts. I have not received any court documents regarding this matter either. After spending hours attempting to locate information from the court, I was able to dig up information about a third party that was submitted to the courts in XXXX. This is well over the statute of limitations, and I still have no idea who the original debtor is. The company is submitting falsely dated court documents to the credit union.
05/09/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MA
  • 013XX
Web
I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.
05/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WV
  • 265XX
Web
I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.
04/01/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 132XX
Web
On XX/XX/2020 cavalry portfolio service opened a collection. Account number XXXX {$6800.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company Please have this removed from all credit reporting agencies this includes XXXX XXXX, XXXX, XXXX, & XXXX. This is my 2nd attempt to getting this removed with cavalry portfolio service through CFPB dispute number XXXX. They never answered my complaint. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is being share inaccurate. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on my credit profile they continue to not respond please can this be removed permanently off.
12/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 610XX
Web
I was a victim of identity theft from my ex-husband. He opened several accounts without my knowledge or consent. One of the accounts was a XXXX XXXX, Which Cavalry is the debt buyer or collection for the account. I have filed disputes, written letters including documentation including the affidavit, police reports, other documents to prove this was not my account. I have received a letter stating it was because bills were sent to an address I had and never returned. That DOES NOT validate this is my account! I didnt leave a forwarding address as I explained to the collection agency, I was hid in a domestic violence shelter. Going forward Cavalry is the ONLY account left on my report from this ordeal. They completely have ignored my identity theft. I believe its not only against the FTC, FCRA regulations but its illegal too. Cavalry has sent 2 blanket letters to me they say the same exact thing just different dates. One in XXXX after I asked them to remove this account from my report, then another in XXXX after I asked again for them to remove it. Ive attached them to this complaint. They tell me the account is presently placed with a law firm. Why do they continue adding interest charges to the credit report then or why hasnt the law firm contacted me so I can maybe get them to understand and they might do the legal ethical thing and remove the fraudulent account once and for all
05/09/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95127
Web
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX Calvary Portfolio Services XXXX XXXX XXXX XXXX , AZ XXXX Acct Dear CFPB I a m writing this letter to file complaint against Calvary Porfolio Services, They have made wrong report to my credit report. My original credit is XXXX XXXX account XXXX . I was behind on payment since XXXX XXXX . As of credit report on XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in XXXX and currently for your review. In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that. There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it. It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
09/29/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • XXXXX
Web
Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from XXXX XXXX. 18 Years XXXX XXXX already collected as much as possible & added me to collection years ago for this loan. XXXX XXXX had the audacity to sell this account to a creditor that I had no clue existed, by the name of Cavalry SPV I , LLC. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is 18 years ago! This account was closed over 15/18 years ago. Its a dead account! XXXX XXXX says I don't owe anything anymore so why would they sell an old account. This is unethically! ! CA STATE LAWS protect me the consumer through TIME-BARRED! Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! I never made payments! I feel this is fraudulent Breaking CA LAWs! Creditors Can't prevail in court after 4 years, little the less after 18years! I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!
03/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48038
Web
Cavalry Portfolio Service A collection account has been misreported on my credit reports XXXX, XXXX XXXX, and XXXX Ive disputed all three credit bureaus certified mail XX/XX/XXXX, XX/XX/XXXX in response Cavalry SPV I , LLC sent a response on XX/XX/XXXX with the enclosed verification of your debt I requested for verification, I ve requested this company to provide me with my original signatures and proof my agreement was with their company, instead Cavalry SPV I , LLC, sent copies of a statement, which verifies or validate nothing. I demanded this company on XX/XX/XXXX via certified mail again to provide me with physical proof of contract with signatures : Company responded to me on XX/XX/XXXX In acknowledgement of the dispute we have requested that consumer agencies report the account as disputed. Company also sent on XX/XX/XXXX stating they received my claim of possible identity theft. Ive never sent any letter of claim to Cavalry SPV I , LLC stating identity theft. I ask for validation/verification which they have reported to all the three major credit bureaus and all they have provided me is with copies of statements. Ive requested removal from all credit reporting copies if they are unable to provide me copies with original signatures I owe their company and verifiable proof. However this information still remains on three of my credit report files.
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33460
Web
I have disputed the following with XXXX and the creditor directly. I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. CAVALRY PORTFOLIO SERV Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. Also was not opened by me and the original creditor can not provide proof upon request. XXXX XXXX XXXX Collections XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. Also was not opened by me and the original creditor can not provide proof upon request. XXXX XXXX XXXX Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. Also was not opened by me and the original creditor can not provide proof upon request.
12/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31520
Web Servicemember
On or about XX/XX/XXXX I sent validation of debt requests to Calvary PortfolioServices ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. Calvary, XXXX and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. Calvary, XXXX and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
04/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75063
Web
On XXXX I was notified by XXXX credit bureau that a collection item was posted on my credit by Cavalry Portfolio Services for the amount of {$1800.00}, as XXXX XXXX is the original creditor, I have disputed the account validity with all credit beraus and the account was permanently removed from my file only to come back 2 years later under Cavalry portfolio services, I asked them to remove this account from my credit because it's inaccurate and misleading and I mentioned the fact that it was disputed with the original creditor XXXX XXXX and it was unverified and removed and I also mentioned if the original creditor can't verify the account how were you able to do so, but I never received any response and the account still inaccurate and still on my credit file, furthermore upon checking my credit I found that the account was reported as a debt with contract that was opened under my name and the last active payment was made on XX/XX/2021 to Re-Age the account and ensure continues damage to my credit and I also found that Cavalry Portfolio Services adopt these deceptive practices continuously as a way of life not only limited to Re-Aging accounts but also report payment history when there is no payment made to unknown account with wrong status as a deliberate act to mislead and strong arm the victims either to settle for a debt isn't owed or suffer.
06/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • CA
  • 91780
Web
Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized/fraudulent charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed charges XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I have been served with a summons by their attorney and based on the " Fair Debt Collections Practices Act '' this collection is in violation of the FCPA. I attempted to contact the attorney, and submitted a copy of 3 letters previously sent to XXXX, presenting my concerns regarding the fraudulent charges and complaints filed with the credit bureaus. Their lack of response is very frustrating. I am in desperate need of your help. XXXX XXXX XXXX XXXX
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 20748
Web
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX CAVALRY PORTFOLIO SERV ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from Cavalry Portfolio Services LLC for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
10/25/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18042
Web
A debt collector sends a us mail letter dates from XXXX or XX/XX/XXXX through XXXX XXXX. We have been corresponding back and forth several times via us mail about getting debt validation and verfication done. I can not see alleged debt is mine unless they can verify the correct amount. This can only be proved by a statement or copy of record of my last payment towards this debt. History prior : The bank I was paying was using a third party collector and sending the money to the bank. In XX/XX/XXXX, this servicer abruptly told be that they terminated all accounts with bank, and no records could I see. The account was gone I was told. All accounts involving my bank, not just mine. 3 months later, bank sends me a letter saying that they sold the debt to the current debt collector who has no knowledge of my payments or how far or how little it was paid off. all they have is the present balance which was given to them by old bank when they bought it amounts alleged approx {$2000.00} The debt collector has sent 3 times a package of statements from original creditor bank with dates through XXXX but no records from XXXX the amount claimed is not found on those it was a higher original balance and no record of payments after XXXX. Therefore debt collector must cease all collection activites, since they are in violation of federal code ck
05/04/2017 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • IN
  • 472XX
Web
I had a credit card account with XXXX which is XXXX XXXX the problem is i was going to be late on a payment and called them to talk about the late fee they said it could be waived the one time but they didnt and charged me for it and continued to charge me late fees on top of the original that just kept adding up each month. everytime I would call they said they understood and would fix the problem so i could get back to my mininum payments but each time i spoke with a different person and nothing was ever put in there system about any of these conversations so eventually the payment got to where i could not afford it thats when the phone calls started at all hours even at XXXX . wanting there payments very rude each time and threatining i decided to to pay them at tax time and be done with it if they would remove the late fees and added interest charges and when i called to do so they said that at the time they could n't even process a payment so they didnt want to then they sold my account to calvary spv i llc which now is calling me at all hours wanting the full amount and will not discuss anything that XXXX had with me about a lower amount. i realize i owe this company money but not the amount they are trying to get and at one time they agreed now they are simply just harrassing me trying to intimidiate me.
01/07/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 49504
Web
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
04/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • XXXXX
Web Servicemember
In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. in XXXX XXXX closed the account for the XXXX XXXX Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. In XXXX of this year, a Company ( Cavalry Portfolio svcs ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from XXXX, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.
05/12/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • VT
  • 054XX
Web
Since XXXX I've been disputing a collection that was taking out on my credit. Year of XXXX this dispute started using a law office to come after me for collection of funds. Every time the government issued a stimulus check, the collection efforts increased. Including in XX/XX/XXXX, attempting to sure in small claims court. I'm on XXXX and my income is exempt from collection. I responded to the small claims court, including sending the company the copy of the letter as I was told by the paperwork from the court. Now today XX/XX/XXXX, the attorneys sent shriff to serve me the same court claim for suit. I was very confused as I had already done as stated before. The shirff said he was sorry, that he felt they were using his service to intimated me. Said as long as the claims have the same docket number, then I have answered correctly and need to wait to hear from the court. Company XXXX XXXX, XXXX as assignee of XXXX, XXXX XXXX. Principle amount XXXX and now claiming XXXX Info says XXXX XXXX XXXX XXXX, blacks out # acts and amount. Says cut off date XX/XX/XXXX. Sale id XXXX Their using attorneys out of Massachusetts. This collection used to say XXXX dollars that I was disputing. Then ever year it went up more. They've increased their tactics in trying to force me to collect this debt, because it's been almost 7 yrs.
03/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10472
Web
I am filling this CFPB complaint for collection account CAVALRY PORT account number XXXX. It was XXXX of XXXX when I started to see and dispute this account. In XX/XX/XXXX, the reported balance in this account was {$4000.00}. And after a few months of monitoring my account I noticed that every month the balance is getting higher. From the initial balance of {$4000.00} In XX/XX/XXXX now XX/XX/XXXX the balance reported went to {$4300.00}. First, I dont know this agency and I never signed any agreement to pay anyone extra fee or money in this account. I am very upset seeing the changes in the balance to the account I am not even aware of. In just a year CAVALRY PORT was able to add {$310.00} to this account. In XX/XX/XXXX I wrote directly to CAVALRY PORT to request for validation of debt to see what contract I have from them but until now I havent received anything from them. CAVALRY PORT failed to provide me validation of debt and failed to prove that the balance they are reporting is accurate. I was not given a choice but to file this complaint because I might not know how much more they can add and try to collect from me. I need the original agreement of this account and I need to get a response regarding this concern. Because of these violations, I am expecting this account to be removed from my credit report.
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75071
Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. There are also inconsistencies in the data being furnished. How can the date last active be different than what another bureau is reporting if all information should be complete and accurate? Furthermore, I was never sent correspondence notifying me that this account was sold to CAVALRY PORTFOLIO SERV which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. If this account is not removed and payment within 15 days, I will forward this information to my legal attorney so that this can be handled in small claims court.
02/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63304
Web
I have received debt collection letters from the following firms : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : Cavalry SPV I , LLC Prior Creditor : XXXX XXXX XXXX Account No : XXXX XXXX XXXX No. : XXXX Current Balance : {$4600.00} XXXX XXXX XXXX File Number : XXXX I have sent two dispute letters to Cavalry SPV I , LLC and one dispute letter to XXXX XXXX XXXX XXXX. I do not have any responsibility for the debt they are trying to collect. Cavalry SPV I , LLC sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX XXXX and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX account belonging to me in my 26-year credit history. This debt does not belong to me but they are continuing to attempt to collect on it.
04/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 199XX
Web
I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.
09/15/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 650XX
Web Servicemember
My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C., a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. What can I do? Thank you
06/29/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78586
Web
My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX XXXX XXXX. I gave them my social security number thinking it was XXXX XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.
10/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08087
Web Older American
On XX/XX/2020 my bank account was charged for 2 amounts labelled XXXX XXXX. First was for {$120.00} processing fee, second was for {$2500.00} XXXX XXXX County with Funds. Spent 2 days trying to find out from my bank what this was and contacted township tax collector, since I thought it might be the tax portion of my mortgage payment. Finally found out it was a collection put through by the court by Officer XXXX XXXXAttached is the reply I received from him. Mr XXXX The docket you listed below is for a judgement that was filed by attorney, XXXX XXXX XXXX. on behalf of plaintiff Cavalry SPV. XXXX XXXX XXXX phone number is XXXX. You may contact them for more information regarding this matter. Thank you Officer XXXX I have had communications in the past disputing the charges on this account which was originally held by XXXX. I do not have any records saying that this was going to the courts for a judgement or that I could dispute it. The amount charged was not what I had with XXXX, and considering the fact that after this debt was purchased for probably a few cents on the dollar, These parties made an exhorbitant profit after XXXX wrote it off as bad debt. Also XXXX never made an effort to work me me to straighten it out. Would appreciate any help you can render. XXXX XXXX XXXX XXXX XXXX
07/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92804
Web
I sent a Certified letter to the collection agencie Calvary SPV I, LLC on XX/XX/2020 Disputing Validation account # XXXX Original creditor XXXX, Calvary SPV I, LLC response was a letter dated XX/XX/2020 and another letter on XX/XX/2020. The acknowledgement of the dispute is receipt and would inform the consumer reporting agencies and fails to investigate and deliver a full validation of the account, Recomending to write again with in 150 days from the date of the letter. I then proceeded to request a validation on XXXX and was removed ,30 day the account was reinserted. 1-.According to FDCPA if they have not yet validated your debt and still continue to report to the credit bureaus its a violation FDCPA Section 809 ( b ) FTC opinion letter case from XXXX 2-.This account was never reported to XXXX as Disputed with in 30 days violation FCRA Section 623. 3-.Account Reinserted without notifying in writing within 5 business days violation FCRA Part ( A ) ( 5 ) ( B ) ( ii ). 4-.A validation on account was not met satisfactory needs FCRA, contract and signature. I m attaching some of the documents that I have in my possession that support my claims. My request is that this account that is not mine be Removed from all 3 Credit Bureaus XXXX, XXXX, XXXX.Reason : Defamation, Financial Injury.
05/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 956XX
Web
Calvary Portfolio Services purchased a credit card debt in XXXX of approximately {$3000.00}. I reached an agreement with them to pay half that amount in equal monthly payments, which I did. I paid every month, on time, until our agreed upon amount was paid in full. Calvary agreed that once paid, the debt would be removed from my credit report. However, 5 years later, in XXXX, I received correspondence from a different debt collection company claiming they bought the other half of the debt. A few months later, I received correspondence again from Calvary, claiming they had repurchased the alleged remaining debt. I am a resident of California, whose laws prohibit collection of debts over 4 years old. To recap, this company breached our agreement by 1 ) reselling the remainder of the debt they agreed to forgive, 2 ) repurchasing that same forgiven debt and trying to collect it after CA statute of limitations had expired, and 3 ) refusing to remove the paid-as-agreed debt from my credit report, even after I disputed the debt. These deceptive tactics are damaging to my credit and to me. I completed my part of our agreement. Calvary needs to complete theirs and remove this from my credit report. Furthermore, this company needs to be forced to abide by the law and all consumer protections.
01/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 349XX
Web
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
06/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • XXXXX
Web
I have resolve d a de bt in full XXXX XXXX it was filed in the court of my county XXXX XXXX XXXX however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX XXXX and I was trying to purc hase a home for them and this is affecting me from getting a loan from the bank. I foun d out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. Cavalry SPV I LLC have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
05/01/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 770XX
Web
My name is XXXX XXXX, a federally protected consumer, and Im making this complaint against XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that they are trying to collect a debt that I owe to CALVARY SPV I, LLC. First, the name on the letter is wrong and not my legal name. Second, I have never signed a contract with CALVARY SPV I, LLC, so I am confused on how XXXX XXXX XXXX XXXX, which is a debt collector, is trying to collect a debt for another debt collector. I haven't even given XXXX XXXX XXXX XXXX any permission to use any of my identifying information to contact me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I am demanding a cease and desist of all illegal activity, any communication, and collection activity of this alleged debt until XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence, like a contract agreement with my signature that says I have any legal obligation to pay XXXX XXXX XXXX XXXX or CALVARY SPV I, LLC on this alleged debt. I have attached both a conditional cease and desist and debt validation documents to this complaint.
01/04/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08723
Web
I had a credit card account with XXXX XXXX that went delinquent for several months and the account was eventually closed. XXXX XXXX then sent the debt to Cavalry SPV I LLC which is a debt collection agency. By this time, I already enrolled in a debt consolidation program thru XXXX XXXX XXXX. The amount owed at the time was {$4000.00}. XXXX XXXX worked with Cavalry to see if a settlement could be reached. On XX/XX/21 a settlement offer letter was sent to me after both parties finally reached a agreement. Cavalry agreed to accept {$2000.00} instead of the original debt of {$4000.00}. Four payments of {$520.00} was scheduled for XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Payments were made and successful for the first three dates. However, the last payment was rejected by Cavalry. The debt was then sold to a 3rd party collection agency ( XXXX XXXX XXXX. ) seeking the original amount of {$4000.00}. I never received credit for the first three payments {$1500.00} ) nor did I receive my money back. The 3rd party is currently taking me to court for the full amount with XXXX XXXX full support. First they went back on the settlement that was reached, then they basically took my money, and now they want to take me to court for the original amount. This is just wrong and so unfair.
05/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WV
  • 26501
Web
Cavalry SPV I, LLC refuses to validate debt after multiple attempts. On XX/XX/2021, a 609 letter was sent to bureaus and Calvary to validate debt through " physical verification of the original signed comsumer contract ''. A response was received on XX/XX/2021, Per your request, please find enclosed the verification of your debt. Your account is now subject to resumption of collection efforts. The only thing attached to this letter was an erroneous bill without any verification and without giving me a chance to respond by stating my collection efforts will resume. The next day, XX/XX/2021, I sent a failure to validate letter again stating my rights by law and laws stating they need to validate further. On XX/XX/2021, I was sent exact same generic letter and erroneous bill without any changes in response. Cavalry only changed the date at the top of letter and sent same exact information to me. After sending yet another letter for verification, Cavalry sent the same exact information a third time on XX/XX/2021, without any changes except the date. Cavalry is not only giving me the run around with validating they are completing lacking abiding by the law and the consumer by ignoring all requests and simply copying and pasting same responses with only a change to date.
08/24/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 027XX
Web
Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
04/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31721
Web
On XX/XX/2017, this debt for {$520.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
05/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30316
Web
OnXX/XX/2016, this debt for {$480.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
10/13/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32803
Web
I have had a dispute with Cavalry with a debt with XXXX since 2019. I had spoken to the company on several occasions and notified them I wanted to make a payment plan. I did so and the arrangement was to pay {$200.00} a month. I had direct deposit from my account with XXXX XXXX. I notified the bank and approved having that money withdrawn from my account on a monthly bases. Cavarly proceeded to do so but they did not approve it on their end for which I called multiple times and they kept referring me back to my bank where the problem was not on. This continued for months and every time I spoke to one of their representatives and asked for another way to make the payment I was told on every occasion that withdrawals for the bank was the only way could pay the debt. They told me on numerous times they would not accept any payment over the phone, money orders or checks sent to them by mail. I never once have denied payment to these debt collectors and tried on several occasions to make it work. To this day I am not refusing to make any payments but they have continued to send letters threatening sue and that I need to present myself to court if I deny payment which is not the case and never has been. They are the ones who have refused to cooperate with me in any way.
09/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 720XX
Web
On XX/XX/XXXX @ XXXX hours Cavalry Portfolio Service received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I received a letter dated XX/XX/XXXX stating " the dispute lacked specific facts or information which would allow us to conduct an investigation ''. " Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA ''. I find this totally erroneous and unacceptable from Cavalry Portfolio Service.. As per the Fair Debt Collection Act, section 809 ( b ), Cavalry Portfolio Service is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Cavalry Portfolio Service received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Cavalry Portfolio Service has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
09/09/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07747
Web
After pulling a copy of my credit report I noticed that Cavalry Portfolio is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to Cavalry Portfolio informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. On XXXX XXXX 2016, I received a letter from Cavalry Portfolio claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from Cavalry Portfolio that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
07/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 90007
Web
Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ). XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}. XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED. XX/XX/XXXX SUMMONS FILED.
10/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • WA
  • 98671
Web
So I have been credit card fraud it I have reported this to the police I have hired XXXX XXXX this was a charge off on my credit I have sent 10 certified mail to this company called cavalry portfolio services , LLC XXXX XXXX XXXX, XXXX, AZ XXXX I have certified these people mail regarding this matter they have mailed me a form asking me to send it back I did that as well along time ago XXXX XXXX has challenged these people and ask them to quit harassing me and they still are regarding this matter I have asked multiple times for them to understand I was credit card fraud and they dont seem to care they want their money I wrote you guys about this matter but at that time it was through XXXX XXXX has hired this company Ive sent a complaint into your company about XXXX this is my second complaint that Ive written I had XXXX preferred diamond card that was stolen when Covid broke out I had to XXXX XXXX cards as well and I had a XXXX card my identity was stolen so I have been trying to work on my credit and fix all of this as a matter fact Im not sure exactly which one of these bills is which with XXXX I just know that I have sent in all the documentations and police reports and these people will not leave me alone Im on XXXX I have no money At all whatsoever
02/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 463XX
Web Older American, Servicemember
In XXXX i was notified by XXXX XXXX that a judgement of {$4000.00} was made against me plus a {$1100.00} legal fee. Making the amount owed to be {$5200.00} Then I got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. that they are doing the garnishment for XXXX for {$4000.00} plus court with a total of {$5200.00}. In XXXX of XXXX the garnishment stopped because it was paid off. In XXXX of XXXX I received another letter from XXXX XXXX XXXX saying that XXXX had said they had not received any payment since XXXX XXXX. That the were starting another garnishment for {$3100.00} for the balance still owed. The amount of money taken out of my paycheck has been as follows. The year XXXX was {$2400.00}. The year XXXX till XXXX was {$2700.00}. The year XXXX after XXXX was {$1000.00} ( the start of the 2nd garnishment ) The year of XXXX so far being over {$600.00}. This means I have had over {$6600.00} on the garnishments. If they go the full amount they expect to take out of my pay it will be {$8300.00} for a garnishment that was only suppose to be {$5200.00}. The garnishment is still being taken out of my pay every week. If I have to a copy of my pay stubs for the amounts shown can be provided. They should have the record of payments made.
02/21/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • XXXXX
Web
A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.
11/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91344
Web
I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed XXXX XXXX XXXX XXXX XXXX XXXX that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company XXXX Cavalry Portfolio Services, a credit card company, XXXX XXXX, that is pursuing the collection of a fraudulent account.
09/30/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • KS
  • 662XX
Web
I am in the process of disputing. This company apparently is trying to collect on a debt from an account opened XX/XX/XXXX, 22 years. It just shows up randomly on my credit report. They claim that I made a payment on it XX/XX/XXXX, which I am wondering how I would have made a payment on an account that was 19 years old. The XXXX credit report shows that the account was opened XX/XX/XXXX, which is inconsistent with the collectors admission that the account is 22 years old and that supposedly payments were made. I do not understand how companies are allowed to pass " debt accounts '' from collector to another over a period of decades. I believe that this is an attempt at fraud. To further complicate this issue, the collector listed is 'Calvary Portfolio ' however, when I called them they advised me that it was subcontracted to another collector XXXX ' and that they ( Calvary Portfolio ) were unable to access the account. Thye told me to call XXXX XXXX. When I called XXXX XXXX to dispute the issue, they advised me they would contact 'Calvary Portfolio ' who would send me details about the debt ( the company that told me they had no access to the account ). Let me tell you please, regular Americans know what this is, someone gaming the system.
10/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WA
  • 99354
Web
Today XX/XX/XXXX I called XXXX XXXX XXXX to speak to them about my account and I was informed by a rep who said that they were a non attorney debt collector that I am in the process of being sued on my account. When I asked why I was informed it was because I missed a payment in XXXX and XXXX and for both of those I called in and asked them not to pull as I had two major life events. When I spoke to them about these payment no representatives mentioned anything to me. I have been paying religiously since XXXX on this account without missing any payments until XXXX months this year. When I spoke to the representative today and I asked why I was being sued and no one mentioned anything his response was did you hold up your end of the agreement. No I asked to skip two payments under the assumption that they were moved to the end of my agreement like an extension. I also dont know how a non attorney debt collector can claim that I am being sued after they also say my debt isnt in collections and its sitting in a state where I can be sued anytime they want to proceed with doing that but who I spoke with said they were a debt collector by a non attorney debt collector and it was an attempt to collect a debt. Please someone make it make sense.
08/28/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 40214
Web
XXXX XXXX XXXX I, XXXX is a collection Agency, THEY send to my a Letter trying to collect a Debt to me. I Dispute this debt with them within 30 as the Laws requires. The information they provide to me is not Accurate even My name, they request some documents to me and i send it to them as Birth Certificate, Social Security Card, Driver License, Bill, once i send all the information, they said that's no enough and under FCRA laws, if the information wasn't accurate, have to be removed from my credit report also FDCA laws, said the same and they are violation my consumer right all the time, I'm disputing this with them for more than a Year, Actually the sold this collection to another Collectors as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I request Debt validation, and only send a few Statements, not all of them as I request to them, even in those report is a Different name like mine and legally they have to remove that collection from my credit report, and that is a violation of my consumers right because the information is innacurate and they know it and still threaten me when they are selling this collection to another collections Agencies and keeping this collection on my credit report. My Name on Credit Report is XXXX XXXX XXXX XXXX
07/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IL
  • XXXXX
Web
I found out about a judgment filed against me on this old credit card debt from XXXX that was purchased by Cavalry SPV LLC. I called Cavalry and they told me to call XXXX XXXX XXXXXXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said Cavalry authorized {$12000.00}. Still insane. I called Cavalry and she kept saying they could not help me. I said the lawfirm said Cavalry set the settlement amount. When I said it was up to Cavalry she finally agreed to give me to Legal at Cavalry. There was no answer from either Legal number. I called another day and still no answer. On XX/XX/XXXX I sent a letter to Cavalry SPV and a copy of that to XXXXXXXX XXXX XXXXXXXX. I want the judgment released and the item cleared on my credit report. I assume Cavalry bought the bad debt from XXXX for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.
11/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 32829
Web Older American
To the CFPB I'm submitting this complaint against CALVARY SPV, I, LLC, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. I was not aware of a legal action against my person back in 2010. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at CALVARY SPV, I, LLC. I need a full investigation on my behalf. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was never validated. Under federal laws, I need all documents when this account was open. I understand that CALVARY SPV, I, LLC closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account. 1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from CALVARY SPV, I, LLC to __________? 6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state. XXXX ACCOUNT XXXX XXXX
09/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NY
  • 10940
Web Servicemember
This company is falsely trying to collect a debt that is not mine. Bi law they have 30 to inform me before they take negative actions against me I am showing a court document which is public record that I was sent XXXX XXXX XXXX XXXX on XX/XX/XXXX. So all those paper your showing going to a XXXX XXXX fraud. I was sitting in XXXX since XX/XX/XXXX. And I didnt owe no debt then. I have requested numerous of time for proof what they mail me is two pieces of papers with my name an amount and a XXXX XXXX address .. this company is falsely causing pain and suffering.. I have tried to tell them nimberous of times I have been in XXXX so show me proof and if there was any proof they would have taken civil actions agains me since I was in a XXXX XXXX and could not move. I am a XXXX veteran and these two fraudelent reports are causing me extra hardship that is unlawful and violates the fair report credit act they have no proof of perchisas they didnt timely report me 30 days prior to taking actions agains and lastly they didnt file a civil order before the statue of limitations please remove these negative remarks before I file charges of fraud and before I file a lawsuit against you for messing with my live and causing me suffering
10/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92354
Web
I was served with a summons on or about XX/XX/2022 from XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC whom I have no contract with, have done no business with, have no knowledge who they are, and owe no money to. Cavalry claims they have purchased my personal information without my permission from a charged-off account from XXXX XXXX My personal information was allegedly sold to Cavalry SPV I , LLC giving them ownership of the debt. Cavalry SPV I , LLC has not provided the purchase agreement or the terms and conditions of this alleged sale. I do not know how Cavalry verified the debt or obtained statements from XXXX other than the " Affidavit of Sale of Account '' provided that lists no name of debtor, account number, or amount owed of the account that was allegedly purchased, just a batch number. I owe Cavalry SPV I , LLC nothing and have never entered into a contract with them as I do not know who they are and have never heard of them. They have no signed contract showing that I owe them anything. I want them to cease and desist any contact with me. Selling my personal information has violated my consumer rights! The alleged amount owed that I being sued for is {$3800.00}. I will pay a creditor I do not legally owe.
04/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78109
Web
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Cavalry Portfolio Acct # XXXX has violated my rights, XXXX XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct # XXXX has violated my rights, XXXX XXXX Acct 's XXXX, XXXX, and XXXX has violated my rights, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
01/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
XXXX & XXXX sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. Yet they took me to court. They never showed a proper XXXX XXXX XXXX or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so XXXX and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.
01/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 463XX
Web Older American, Servicemember
Was contacted by mail by Cavalry SPV I , LLC about an order to appear hearing. The hearing is set to be on XX/XX/XXXX for garnishment of my pay. Tried calling them on XX/XX/XXXX. They will not talk to me till the date of the hearing. I called the court that this is from. Gave them the cause No. XXXX. Was in formed that this hearing will have no involvement in this hearing. That it will be just me and the attorney involved in it. Was able to find out there was a judgement made to a XXXX XXXX XXXX in XXXX. The letter said it was sent to me by Certified Mail, and it was not. It was sent by normal mail. My wife made credit accounts under my name without my knowledge. She used my name and all other information. To be sure they were kept a secret she would make sure she saw the mail first. She used other phone numbers than the house phone also to keep me in the dark. If there was an order to appear prior to this I had no knowledge of it. I have no idea what account is talked about, when it was done or anything else. All I have is the letter from Calvary SPV I, LLC saying I owe them {$4000.00} and {$1100.00} dollars. This is the first time I have had contact with them, with very little information being made available.
03/07/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • KY
  • 40216
Web
I learned in 2013 a company named Calvary had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to XXXX and XXXX and I wrote XXXX and XXXX and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
04/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11236
Web
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it XXXX any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
01/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • XXXXX
Web
Cavalry needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. XXXX and XXXX have already issued XXXX in both XXXX and XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
10/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10460
Web
I requested CAVALRY PORTFOLIO SERVICES , LLC ( `` CPS '' ) to send validation of this alleged debt months ago. I have not received an original contract with my wet signature binding me to this alleged debt. I have never did business with this company, and they are in violation of 15 USC 1681b ( a ) ( 2 ) because they are reporting a collection on my consumer report I never gave them written instructions to furnish anything on my report. We have no dealings at all with them, they have my non-public personal information that I never disclosed to them, that's identity theft. I am requesting proof of current ownership, the forward flow agreement, the aggregated value of purchase of this alleged debt between the original owner and the current owner. They stated that this alleged debt is with a law firm XXXX XXXX XXXX, I am requesting proof of representation from this law firm just to see if they are really representing cavalry and don't have interest. I demanding all the above to be notarized before I am in receipt of what I requested. While we are disputing this needs to be removed from my report immediately. I am requesting this company to cease & desist, that means all mediums directly and indirectly.
05/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • XXXXX
Web
On XX/XX/XXXX I filed a complaint against Cavalry Portfolio ( see previous complaint XXXX ) One of my claims was that this account was eight ( 8 ) years old since date of last activity, 2 years past the Michigan statute of limitations and at least one ( 1 ) year past the allowed timeframe to report to the credit bureaus. Another claim I made was that Cavalry willfully re-aged this debt to allow them top place it on my credit reports. I received Cavalry Portfolio 's response dated XX/XX/XXXX ( see attached letter ) in their response Cavarly admits they inaccurately reported this debt as date of last activity being XX/XX/XXXX. Cavalry also admits this debt was charged of in XX/XX/XXXX ( something they willfully did not report to the credit bureaus. Cavalry also states the this account will no longer be reported to the Credit Bureaus. ( see attached letter dated XX/XX/XXXX. " We are no longer reporting this account to Consumer Reporting Agencies ( CRAs ) However, this account continues to be on my XXXX, XXXX and XXXX reports. Cavarly NEVER acknowledged they would contact the CRAs to delete this account. Although it is required by law for them top do so. Damages continue to mount against me
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28306
Web
In XXXX, an account was opened for XXXX XXXX. The account was paid and a balance of {$490.00} was charged off, but bought by another company- Calvary Portfolio Service . This company is reporting the debt as a new account and it has stopped me from moving to an apartment for a new job. In XXXX a catscan was given by XXXX XXXX and my results was not reported to me. I later found out that I had a XXXX XXXX. In XXXX, I had a XXXX and was rushed to XXXX XXXX XXXX XXXX. The XXXX affected my XXXX and XXXX. I suffer from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and other health issues. I am currently seeing a therapist ( XXXX XXXX XXXX for the XXXX and XXXX XXXX These XXXX companies are preventing me from moving to another state for a job offer, because they keep reporting the default credit as new. I am at my wits end and do not want to get back in a depressive state. I am already in debt with student loans that were used to get my XXXX degree and pay for living neccesities for my children at the time. ( XXXX - XXXX ). I am supposed to start a XXXX position in XXXX, but can not find a living arrangement due to XXXX XXXX and Calvary Portfolio reporting my charged off credit as new. I need help!
04/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 077XX
Web
My account with CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, account ending in # XXXX was placed for collections. This account is being handled by XXXX XXXX, a NJ based attorney. This company/attorney did not report by balance correctly as I have made 4 payments of {$480.00} and 1 for {$290.00} for a total of {$2400.00} via wage garnishment. The original amount I owed was only {$1800.00}. After repeatedly trying to dispute this on my credit report, the company/attorney never reported by balance accurately. This has precluded me from obtaining a car loan with a decent interest rate. I have documentation to prove all payments in excess of my original balance were made. I recently tried to dispute the item and yet again the company/attorney reported this account with a balance of {$1600.00}. I can not seem to have this accurately reported and the credit bureau websites will not allow me to continue to dispute the same account. I also tried to contact the original attorney XXXX XXXX XXXX and could not reach them via telephone during normal business hours. I received an automated recorded message each time I called to settle. Before I knew it, my wages were garnished.
05/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 062XX
Web
I am in bankruptcy as of XXXX XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all XXXX bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it may be a XXXX XXXX a ccount which was included in my bankruptcy. Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL. Calvalry reports : Collection as of XXXX XXXX to XXXX XXXX , XXXX XXXX to XXXX XXXX and Filed Chapter XXXX Bankruptcy on XXXX XXXX , XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on XXXX . Our Chapter XXXX was converted to a Chapter XXXX and is still open.
12/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60636
Web
On the XX/XX/2020 I was sent a letter by cavalry stating they purchase the debt from the original creditor and I had 30 days to dispute the validity of the debt. I responded back with 2 validation letters in accordance to the letters that was sent on XX/XX/2020 and XX/XX/2020 from their company. I ask them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. None of those items I requested were provided. In addition to that, they stated that the dispute that was sent was lacking specific information and they couldn't conduct a investigation. This was very confusing because I specifically ask for them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. The final straw was when they said they will respond in writing in 150 days from the letter that was sent. Not only have they violated my rights as a consumer but also the rights under FDCP ACT. They have affected my ability to purchase an home due to their inaccurate and false reporting which has resulted in my credit score being negatively impacted.
01/19/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • XXXXX
Web
In response to a debt collection letter, I sent Cavalry Portfolio Services a certified letter dated XXXX XXXX, XXXX requesting Verification of Debt demanding the production of certain documents. Cavalry responded with a letter dates XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent them a second letter advising Cavalry of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XXXX XXXX, XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. It has come to my attention that the Arizona Department XXXX XXXX XXXX fined Cavalry Portfolio Services the sum of {$170000.00} on XXXX XXXX, XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
06/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60634
Web
Last summer I started receiving letters from Cavalry Portfolio Services about a collection owed. I sent a letter to establish whether this was even actually anything belonging to me. They in turn responded with a letter stating it was and they would resume collection efforts. Not knowing my rights as a consumer and wanting to get them off my back and stop the harassing calls and letters I requested that they provide the original paperwork with my signature. Disappointingly nothing ever came except for some ineligible pages of some statements. After educating myself I realized I should have done more research. I've sent more dispute requests after the fact, to the credit bureaus, and debt validation letters and I'm getting no response or they are stating the debt is valid. No one has actually provided any evidence that this was in fact my debt. This negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Illinois, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Illinois to collect.
01/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • XXXXX
Web
On XX/XX/XXXX I did a consumer credit transaction with XXXX. The total amount of the transaction was for {$3300.00}. A few weeks after the initial transaction I received a bill requesting that a payment be made. Moving forward this alleged debt was sold to Cavalry XXXX XXXX. On XX/XX/XXXX I received a communication by mail from an attorney 's office hired by Cavalry who goes by the name of XXXX XXXX XXXX, XXXX. Months later, I discovered that there was a court case opened by Cavalry SPV, LLC and XXXX, XXXX and it's attorney XXXX XXXX XXXX. The case was filed on XX/XX/XXXX and was never served or notified of this action which is illegal and required by law that anyone being sued must be served with a court order. After discovering this lawsuit, I communicated with attorney XXXX XXXX XXXX via mail and sent them over documents stating that they are in violation of the Fair Debt Collection Practices Act, 15 USC 1692 and the Fair Credit Reporting Act, 15 USC 1681. Cavalry received these documents on XXXX at XXXXXXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
05/03/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • GA
  • XXXXX
Web
XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.
05/28/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30519
Web
Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.
08/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93711
Web Older American
XXXX credit card opened in XXXX and was purchased by Cavalry SPV I , LLC I was living and working in another country with my husband I got a note back in XXXX From XXXX formerly known as XXXX they find out that was a mistaken Identity and send me a letter. for this account. Then was sold assignee to Cavalry SPV I , LLC they have a lot of inconsistent, I come back to this country in XXXX to take care of my husband he had XXXX XXXX ( we were legally separated ) but hed no one to help him he reasinly pass away. I want to go back to my country. but is being 4 years of fitting than in court they never validate the account until after they filed suit. This is never my account I never find out until XXXX 4 months before the 4 years. They were not supposed to contact me but they had contacted me by mail by phone even though I had fie a letter of desisting. since my Husband passed away I what to go back to my country. every time we go to court they are ever there. this is 8 years old can you help me. I have no letter no contract Only what they give me I still fix in my credit is not in my credit they find out on my credit report the was another person using my name XXXX. XXXX XXXX
07/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30263
Web
In XX/XX/2022 the lawyer representing me sent a settlement offer letter to Cavalry Portfolio Services through their law firm. CPS sent me a settlement offer previously and I was unable to pay the amount yet. A whole month goes by without a response from CPS. I also sent a settlement offer online via the website of their law firm and did not receive a response. After consulting with my lawyer who stated XXXX XXXX and XXXX XXXX XXXX is known to be slow to response, I decide to go ahead and call the law firm myself. I learn that they've started a court case for wage garnishment against me without any notice or attempt to resolve the matter peacefully and professionally. On XX/XX/2022 I personally went to the law firm and paid in full with cash for the collection account to be resolved. I received a receipt and a letter of closure immediately. However, Cavalry Portfolio Services viciously lied to all 3 credit bureaus and stated that I still owe {$80.00}. I have had to personally dispute this lie to all 3 credit bureaus, taking up my precious time and holding me back from financial progress. It's been 3 weeks and XXXX has yet to hear back from this corrupt business.
03/15/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 93704
Web Older American, Servicemember
Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
12/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19128
Web Older American
Cavalry SPV I , LLC XXXX XXXX XXXX XXXX # XXXX, XXXX NY XXXX - Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX I - XXXX XXXX XXXX have been paying on this account ( XXXX ) since I had it. I only missed 1 payment, it was actually just late. My husband was in the hospital for XXXX XXXX XXXX. I got a call from XXXX collection & threat of a lawsuit. I have been paying {$55.00} a month, because that is all I can spear. My Social Security Check pays the rent & my husband 's job ( finally makes {$12.00} hourly XX/XX/XXXX ) pays utilities, medical & prescriptions, groceries etc. I lost my wallet in XXXX, and had to report the lost to the bank & other agencies. The bank we used has changed names 2 times ; and we have been homeless about 3 times since XXXX. An address change was submitted to the Post Office. I never stopped paying this bill. I only have proof of payments for the last 2 years XXXX & XXXX. Some of the payments went to XXXX XXXX XXXX ; some went to Cavalry SPV I. Your negative reporting is keeping me & my husband from getting into a less expensive apartment in a Senior Living Community. Please remove your negative comments.
12/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30263
Web
As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following account CAVALRY PORTFOLIO SERV Acct : XXXX citing various violations. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language ( contravening 15 U.S.C. 1692d ( 2 ) to deceptive debt collection tactics to harass, oppress, or abuse ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 20 days will compel me to escalate the issue to the United States District Court, XXXX XXXX of Georgia. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.
10/12/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11211
Web
The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. CA Name : Calvary Portfolio Services
04/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IA
  • 507XX
Web Servicemember
I had an identity theft and accounts opened in my name that don't belong to me and I have no knowledge of. Cavalry Portfolio SVCS has put one of these accounts on my credit report stating that I owe the money. It is a fraudulent account, it wasn't opened by me. I have requested SIGNED documents showing the account was mine and that I opened it, which they can not provide. They only send an old credit card statement from the account. Which doesn't prove anything other than that the account exists. It may exist but it wasn't opened by me. I have also had robo calls to my cell phone about this debt which is illegal. I could sue for big money if I decided to. I have these saved on my voice mail. There is no proof I opened this account because it wasn't opened by me. They have been informed multiple times, as well as the credit agencies, that this debt is not valid and shouldn't be on my credit score ... yet it hasn't been removed. I want this removed from my credit score. I have went through a lot of trouble getting fraudulent accounts removed from my credit score after my identity was stolen, but this one hasn't been removed. It needs to be removed.
02/22/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 120XX
Web
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.
09/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 75039
Web
I had owed XXXX money from a credit card I was unable to pay due to financial issues. XXXXXXXX XXXX then utilized Calvary SPV as an assignee of the debt to which totals {$12000.00}. Calvary then has hired XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX to collect on said debt. This is a violation of XXXX XXXX XXXX XXXX. " ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' They went on to try and serve me papers when I was not at my home which is also not the listed address on the citation they have had issued in court. The citation reads as being listed to XXXX XXXX. My wife told them a couple times I was not home during their hired hand trying to serve me notice and we also have a no soliciting sign posted. This has caused me tremendous stress and has hindered my family in pursuing our XXXX given rights to happiness.
04/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92223
Web
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX 2.Cavalry Port I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
09/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • NY
  • 11375
Web
XXXX XXXXXXXX XXXX XXXX which is now known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX engages in predatory debt collection. The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. I have no idea what Cavalry Portfolio Services does but in this regard in conjunction with XXXX XXXXXXXX XXXX XXXX, they create misery and havoc in consumers ' lives. These practices must come to an end.
05/16/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19973
Web Older American
contacted : XXXX and XXXX on XXXX still have on credit report for XX/XX/XXXX - i am tired of each month going through phone calls and mailings to having this same XXXX having as many as four each month of hard inquires, I have checked and they insist I have gone to different states and applied in person ( even XXXX ) I am XXXX years old and home bound. How can I stop this. XXXX : again each month phone calls are made and disputes made for XXXX XXXX XXXX, XXXX ~ three or four times a month, now still in report, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX ~ once again they take it off, but I have to do this every few months. XXXX XXXX said there is nothing they can do. Really, yes they get a red flag, but still can and do put it on report. Cavalry phone XXXX has billed me for XXXX, and another for XXXX XX/XX/XXXX I asked for back up. I did receive paperwork, with no signature, address listed as XXXX XXXX, XXXX, md the US postal service does not have any idea where this is. I live in XXXX. I have reached a point that they are harassing me with no reason. Note : I have never had a XXXX, XXXX or XXXX XXXX account in my life.
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30028
Web
XX/XX/2023 - First Verification Request Sent to Calvalry Portfolio Services, LLC XXXX XXXX, XXXX - Invalid Verification Response from Calvalry Portfolio Services, LLC XX/XX/2023 - Second Verification Request Sent to Calvalry Portfolio Services, LLC XX/XX/2023 - Third Verification Request Sent to Calvalry Portfolio Services, LLC In accordance with the FDCPA Code, 809 notices/letters ( " Previous Correspondence '' ) were mailed from XXXX XXXX XXXX XXXX XXXX ) on behalf of the Client to request validation. The documents sent by Calvalry Portfolio Services, LLC does not comply with 15 USC 1692g ( " Validation of Debts '' ), nor does it comply with the good faith request for additional documents, and therefore does not establish the validity of the alleged debt. The statutorily allotted time has passed for your compliance and the debt has not been validated, the client nor XXXX XXXX XXXX has received records or evidence to support the validity of this alleged debt, and the credit bureaus and appropriate financial institutions were not made aware of the removal of this account, and collection attempts did not cease as previously requested.
06/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20770
Web
Cavalry Portfolio Solutions has willfully reported information on my consumer report without consent. I have repeatedly disputed the information with the consumer reporting agencies with no desired outcome. They have stated that they have verified the information but have all failed to provide me with proper verification as per 15 USC 1692g. I am the original creditor and I have never verified the alleged debt as they are not mine. There willful violations of my consumer rights have cost me multiple extensions of credit which include the ability to purchase a vehicle that is very much needed to get to and from my place of employment as well as severely debilitated my ability to provide transportation to my daughter to and from school. Cavalry Portfolio Services furnished a report without my express written permission CPS violated my right to privacy and provided factual information on my consumer report. CPS did not exclude the authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card as per 15 USC 1602 They failed to provide verification to the alleged debt as per 15 usc 1692g
01/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85041
Web
I would like to file a complaint against Cavalry Portfolio Services, XXXX and XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX and XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XXXX, XXXX, and XXXX. To which XXXX and XXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and Calvary Portfolio ServicesXXXX and XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.
10/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85379
Web
I have been dealing with Calvary Portfolio Services and their representatives, XXXX XXXX XXXX for over 7 years on a debt they purchased for pennies on the dollar. In XX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from XXXX XXXX XXXX proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.
09/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07006
Web Older American
My complaint is actually with the Company reporting my credit to the 3 credit agencies. Back in XXXX I had a problem with my XXXX Credit card, They had a charge of {$740.00} on my card that I did not make. I went back and forth with XXXX many times about this and finally sent them the bill back telling them I refuse to pay the balance until they provide a receipt of what I have purchased. I than had a XXXX XXXX that was removed in XXXX and this was forgotten about. I recently studied my credit report and it appears Calvary Portfolio Services took over this bill. I disputed it with the 3 reporting agencies looking for proof of what I had purchased. Calvary sent me a copy of the same bill I have been receiving from XXXX with NO explanation still on what was purchased. I have attached my copy of what I sent XXXX in XXXX and a letter to Calvary. If they are not able to show what I purchased then this should be removed from my credit report. They also said my account is " Now subjected to resumption of collection efforts '' I'm not sure what that means but it sounds like punishment for a complaint. My Social Security # XXXX
09/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 91214
Web
I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Cavalry Portfolio Services contacting me, calling me and my family members and sending me letters regarding {$1200.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts and continue to make payments with the credit cards ... why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!
02/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 14225
Web
To whom it may concern : My name is XXXX XXXX. It has been brought to my attention that I have a judgement against me for a debt that was paid and closed in XX/XX/2008. I had a XXXX XXXX XXXX credit card that was not closed properly and remained open over 10 years ago. There is no evidence on my credit report showing the history of debt. I have contacted the original creditor in which they do not have any information of me on file. I have contacted Calvary Portfolio who is reporting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, None of these companies have any information of the debt. None of them can tell me or explain the balance history. None of these companies are validating the history of the account. All I know is there was a balance of {$19000.00} which is now an alarming {$38000.00}. No one can tell my why I owe this balance?! Please help me investigate this. I am trying to refinance my home and I have great credit but this account came up and stopped me from doing what I need to do. I feel stuck and helpless and scared these companies are trying to steal from me. Thank you, Sincerely, XXXX XXXX
06/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06320
Web Servicemember
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.
07/07/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89106
Web
Calvary Portfolio Services purchased a debt that was already in constant dispute from XXXX XXXX due to the owner on the account using my info as cosigner. The balance reported from XXXX XXXX was over 12,000 dollars. I knew I never owed this balance, I have asked XXXX XXXX for verification of this debt multiple times. I have never recieved verification it was then sold to Calvary Portofolio who then placed the balance as XXXX. I disputed online and asked multiple times in XXXX XXXX, XXXX XXXX ( BOTH online and letter ) Mid XXXX, I recieved a letter telling me they could not verify what I was asking for and they need more details so I sent another letter requesting debt validation. In my letter ( s ) and disputes I asked for supporting documentation that verifies this debt including the signed contract that includes my name and info. However, it is XXXX I have still not recieved and validation although they have reported validated to the credit bureaus but it because the remarks that were on the account and the ACTUAL validation has yet to occur from any party. I HAVE BEEN DEALING WITH THIS SINCE XXXX XXXX altogether.
10/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22182
Web
Dear Consumer Financial Protection Bureau, I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX. I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) on numerous occasions along with contacting the creditor, XXXX and debt collector- Cavalry Port. To date, I have yet to receive a response from either companies. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. The creditor and debt collector has yet to provide a response to my initial complaint.. However, XXXX, XXXX, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX, XXXX, and XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to CAVALRY PORT via certified mail
06/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 383XX
Web
Attempts to collect a debt not owed Written notification about a debt The company took or threatened to take negative or legal action The company filed incorrect information on the consumers credit report Regarding a fraud on my credit score for a debt collection and them harassing me requiring I go to court to pay them. Then a year later receiving the same bill from a different collection agency for the same XXXX card. After this had been taken to court. They said this is impossible. This would had to have been a fruad to keep re occurring on my report after they already sent legal into court, referring to the collection agency that harassed me for a year. While I was in the hospital. Sick for over a year. Is this even legal? They have really harassed me and my legal privacy. The collection agency that did this to me. Sending me to court. Didnt even have the right to do it. I called and she acted very suspicious on the phone stating its impossible that another collection agency reported on my credit report. There number is XXXX XXXX XXXX XXXX XXXX His name is XXXX XXXX. This is continued please read all.
03/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 890XX
Web Servicemember
In XXXX XXXX we were working on doing a cash-out refinance to pay of credit cards amongst other things. So the finance company wrote out checks to all the creditors and we verified their mailing addresses and sent out the checks. The only one we did not send was the XXXX Jewelers as we had more than paid the amount owed of {$4800.00} and some ( {$5400.00} ). The {$600.00} was returned by XXXX as it was {$7.00} dollars short of the total and eventually paid the collection agency XXXX XXXX XXXX ) {$610.00} on XX/XX/XXXX. The check for credit one was sent out and when I check what happened to check it was received by XXXX but somehow ended up at a XXXX XXXX bank where it disappeared ( checking with XXXX XXXX tomorrow why a check with the payee name of XXXX XXXX was cashed or deposited at their branch and not to the account written on the check itself ( as requested by XXXX XXXX ). So now we have to collection agencys that have the same XXXX XXXX XXXX contract which was paid of in full on XX/XX/XXXX to XXXX XXXX XXXX Now I have a company called Cavalry Spv 1, LLC coming after me for the above mentioned XXXX XXXX
06/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 232XX
Web
In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX XXXXe group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " CAVALRY SPV I , LLC, '' which showed XXXX XXXX, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But Cavalry 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the XXXX XXXX card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. I don't know nor have I ever heard of Cavalry but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.
08/24/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21742
Web
Cavalry is claiming that I owe money. I have requested that they provided verification of how I owe them anything. as of today they have n't provided any documentation.I 've never had anything to do with this company and they do n't have a signed agreement of any kind with my name on it. If they can provide an agreement that I have physically signed my name on then I will believe it is valid. Until they provide verification of them owning an account/agreement that belongs to me, I would like them to stop contacting me. Today ... ... .... some random lady appeared at my door with court docs and disrespected my husband in front of our kids, simply because he said I was not home, at that point he refused the documents, then she repeatedly told him she would be back with police and a court order to posted them on our house. I 'm sure the documents were from this company. I want this to stop unless these people has a legit agreement with my signature. if this is n't resolved I will continue to take this further on and submit something to Attorney Generals Office as well as the Better Business Bureau
04/05/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 95624
Web
Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. I believe an ex significant other treated my credit as an extension of theirs - managing the credit until the relationship ended. Once it ended, many cards were suddenly opened, immediately maxed and all of the existing accounts stopped receiving payments. I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this. I do not know of the accounts in their office. XXXX only provided verification ( after XXXX requests in writing ) once a XXXX complaint was filed. As verification statement photocopies were provided to me but the activity on the account and statements I do not recognize. These accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, Cavalry continues to report inaccurate data on my credit report using it as leverage in a sick attempt to force payment.
01/26/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19119
Web Older American
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
09/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TN
  • 37221
Web
Cavalry SPV LLC is suing me for an old debt with XXXX XXXX. I have moved 4 times in 3 years. I was not properly notified of a lawsuit or continued issue with XXXX XXXX since they no longer exist. The debt has not been properly verified. I opened an account with XXXX XXXX through a XXXX XXXX store in XX/XX/XXXX. XXXX XXXX wrote off this alleged debt off in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX became XXXX XXXX. Cavalry SPV bought the alleged debt from XXXX XXXX inXX/XX/XXXX. I dispute the fact that I can be sued for the alleged debt that did not exist as ofXX/XX/XXXX. The plaintiff is named as Cavalry SPV, assignee for XXXX XXXX XXXX XXXX. The plaintiff in this lawsuit is an assignee for a company that no longer exists. Nowhere in the actual lawsuit filing itself is the mention of XXXX XXXX. These details point directly to fraudulent business practices and debt collection directed to a consumer. Cavalry SPV has been named in and accused of fraudulent business practices against consumers for the purpose of collecting zombie debt before and judgements have been issued for the consumer.
07/21/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 936XX
Web
In XXXX XXXX XXXX XXXX XXXX , XXXX, in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, XXXX years later on XXXX XXXX, XXXX, XXXX is now representing the buyer of this debt, Cavalry SPV I , LLC, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, XXXX years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX County Superior Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.
06/12/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WI
  • 53051
Web Older American
To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. They called but never sent a letter notifying me of the debt. They contacted me numerous times. Finally a letter from attorney from HELPS ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/2021 and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
04/28/2015 Yes
  • Credit card
  • Billing statement
  • CA
  • 92373
Web
I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.
10/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33014
Web
On XX/XX/2023 I received in the mail a letter from Cavalry Portfolio Services , LLC ( Cavalry ) stating that I owed {$9200.00} to them. I responded with a a letter to Cavalry on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested Cavalry provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of Cavalry 's ownership of the debt ), and details about Cavalrys authority to collect the debt on behalf of the original creditor in my state ( Florida ). Cavalry mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of Cavalrys purchase of the debt from the original creditor ) nor verification of Cavalrys authority to collect the debt on behalf of the original creditor in the State of Florida.
01/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
03/22/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 76021
Web
I received a letter on XX/XX/XXXX about a DEFAULT JUDGMENT from XXXX County, Texas about me and I have no idea what this is about. I have never signed for any documents ; court orders or summons from anyone regarding this debt. I do not owe this debt as the person who owes this debt died in XXXX. A few years ago, I told the company about this situation and they stated that this file will be closed. I never heard from them again. Even if I wanted to assist with payment of this debt, I am unable to. I am XXXX XXXX and has a XXXX which limits work progress. This DEFAULT JUDGMENT states that they will dispose of me which according to my understanding, I will be killed, or my life will be terminated by this company - Calvary SPV, LLC. I am not sure why a court would pass judgement and never verify whether I received any documentation or not. I have never done any business with this company and I feel my life is being threatened for a minor debt in life that is not even my debt. Please advise me what to do as I am afraid to leave my home in fear that someone kill me and disposes of my body.
04/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 932XX
Web
I have been attempting to ask The XXXX XXXX XXXX for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. My representative contacted The XXXX XXXX XXXX for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} XXXX please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt Cavalry Portfolio Service and that the regulators see what The XXXX XXXX XXXX is doing to consumers, even low-income student. Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
03/30/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • 98087
Web Servicemember
On about XX/XX/18 I received a letter in the mail posted from ; Cavalry SPV I LLC, claiming they have a contract and that I owe them XXXX. This is false, illegal and unlawful. I have never come in to agreement with or produce a verbal or signature contract with Cavalry SPV I LLC,. This corp, Cavalry SPV I LLC, has inflicted harm on my estate, my interest, lively-hood ( job ) and XXXX, XXXX which have received defaming correspondence as well and under false pretense levy illegal fines and present false claims to XXXX Superior court. This corporation is acting in bad faith and unlawful, as last I checked thru the credit agency 's this debt does not exist, further more this corp can not ever produce an original contract between parties, with this statement I would want a immediate cease and desist action, compensation for damages as follow ; 1. {$10000.00} per page in all correspondence, This is harassment. 2. {$10000.00} per every {$1.00} seized from wages 3. {$120000.00} per instance ( 2 ) for pain, suffering and defamation., ( 2 ) -work-place defam/ Personal damages )
08/06/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77074
Web
I disputed a paid collection item on my credit report with the collection agency Cavalry Portfolio Services and requested that the item be removed from my credit report as it was over 7 years old and had been paid. The original creditor had already removed the item from my credit report. I then sent Cavalry Portfolio Services a certified written request that they provide all information on the disputed item such as the original collection date, date paid, and all information pertaining to the collection and the proceeded by only sending me a letter that stating that this account was already settled. I called them and spoke to a manager concerning the account and I again confirmed to her my request that I would like to know the original date of collection, proof and confirmation. The manager told me that they had no such information because the item was so old and I told her that was the point in my dispute and the item was much older. The manger than said I would have to file a complaint because it was our of her hands to be able to remove the item from my credit report.
08/06/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 806XX
Web
I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
05/12/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • MN
  • 55303
Web
1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for MN Trial Court Public Access XXXX ( Fair debt collection practices act, 807, 2A, and 812 ). 2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
12/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33032
Web
On XX/XX/XXXX I sent a request to validate a debt that was shown on my XXXX, XXXX and XXXX credit reported. There was a derogatory remark on my credit report from a CAVALRY PORTFOLIO SERVIC showing 2 different accounts one with the total balance due of {$2800.00} & another balance of {$4100.00} Following up letters were also sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. They have also provided a bill of sale and assignment dated XX/XX/XXXX by XXXX to Cavalry claiming to be part of this account but does not have my name, signature, debt amount or dates included. According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
03/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92882
Web
My bank account had a court ordered hold placed upon it and when I contacted them, I was told that a debt collection agency, called Cavalry Portfolio Services, had done so. I received some paperwork about the debt from the collection agency after I contacted them, and found that they delivered paperwork in 2015 to a XXXX woman, and did not get her name. No one of that description lives at my residence and I have no knowledge of opening the credit card with the original credit, XXXX XXXX XXXX XXXX.. The bank deposited the amount that was originally in my account back in my account, which I used to pay bills, and afterwards another hold was placed. The bank does not who placed this hold, however, I am suspecting it is the same collection agency. They have also caused my balance to be negative because I used the previously released funds to pay my bills. This a case of identity theft as I did not open this credit card at all and was not notified of any balances I had due nor did I have any inkling of who opened the account or that it had been opened in the first place.
12/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33155
Web
Recieved 30day notice dated XX/XX/XXXX from Calvary Portfolio XXXX debt buyer ) regarding a XXXX account. Replied on XX/XX/XXXX with a Validation of Debt request per 15 USC 1692g Sec. 809 XXXX b ) of the FDCPA statute. Did not reply in 30days or at all as required by the statute for them to continue collection efforts including but not limited to reporting to Credit Bureau 's. Notified them in writting of Non Compliance and it no longer being a pursuable debt on XX/XX/XXXX. Written and reported collection efforts continued so further notice was made on XX/XX/XXXX and a FINAL notice that action was being taken on XX/XX/XXXX. Notified Credit Bureau XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX but the debt buyer Calvary Portfolio still has not been removed from my report, only marked as disputed. I have followed all requirements and statutes per this acct and their actions with no results and am now feeling harassed since they do not and have not responded to myself directly regarding my dispute and or validation, NOT verification, request.
02/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 309XX
Web
I have been trying to dispute a collection account by the name of Cavalry Portfolio Services, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but XXXX is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why XXXX will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from XXXX.
04/26/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37660
Web
I seen where I had a collection on my credit report with Calvary portfolio. I disputed through the credit reporting agencies and all I was sent from Calvary portfolio was a debt settlement offer. I requested validation of this debt numerous times and even filed a compliant with the XXXX and Calvary portfolio comes back with the same reply that they validated and sent to my home address. The ONLY thing I have ever received from them was a debt settlement and that was in XX/XX/XXXX. I have not reviewed any type of debt validation from this company and this has been ongoing since XX/XX/XXXX. That is 4 months and still nothing showing what the debt is for, is it my debt, when and who the bought the debt from. Every compliant comes back that they previously validated. I am an honest person and I would not say I hadnt received anything if I had received something. This is a violation of my rights. A debt collector has 30 days to provide validation of an account that is being disputed. I want this removed from my credit reports and not to be sold to another company.
02/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08854
Web
I continue to request validation of this account and I have yet to receive it. Where is the original account with my signature so I can view it for myself?? This is hearsay and validation has not been provided. As I looked further, the " estimated month and year this item will be removed '' date is inconsistent across all three major credit reporting agencies. The information should be the same. This alleged account should be removed immediately due to inconsistent reporting and what seems to be considered re-aging the account. Cavalry Portfolio services has not validated this alleged account and can not continue to report inconsistent information. I also see that different contact info is shown. If I wanted to contact Cavalry Portfolio Services, I would not know which address to send my dispute to. I am submitting exhibits to show that Cavalry Portfolio services did not report consistently and appears to re-age this alleged account. I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.
07/20/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 336XX
Web Servicemember
I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Calvary Portfolio SVCS for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I don't know what XXXX company they are collecting for but rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be as well whomever the original creditor is that they also acknowledge the debt to be removed and considered paid in full.
02/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 349XX
Web
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Cavalry Portfolio Services Collection for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Cavalry Portfolio Services collection is reporting false information to my credit bureaus.
08/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92173
Web
I am filing a complaint about a collection agency that has been attempting to collect a debt from me without proper validation. The debt was initially associated with a bank and is now managed by the collection agency. The last date of activity on this debt was XX/XX/2023, which is also the date it was reported. I have received numerous letters from the collection agency regarding this debt, despite never having directly communicated with them. Upon receiving these letters, I disputed the debt with both the collection agency and the credit reporting agencies. However, the collection agency 's response to my dispute was insufficient. They provided only statements of the debt, without any signed contract or concrete evidence proving that the debt is mine. In light of these facts, I believe that the collection agency is attempting to collect a debt that has not been properly validated. I request an investigation into this matter and ask that the collection agency ceases all collection attempts until they can provide proper validation of the debt.
08/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92173
Web
I am filing a complaint about a collection agency that has been attempting to collect a debt from me without proper validation. The debt was initially associated with a bank and is now managed by the collection agency. The last date of activity on this debt was XX/XX/2023, which is also the date it was reported. I have received numerous letters from the collection agency regarding this debt, despite never having directly communicated with them. Upon receiving these letters, I disputed the debt with both the collection agency and the credit reporting agencies. However, the collection agency 's response to my dispute was insufficient. They provided only statements of the debt, without any signed contract or concrete evidence proving that the debt is mine. In light of these facts, I believe that the collection agency is attempting to collect a debt that has not been properly validated. I request an investigation into this matter and ask that the collection agency ceases all collection attempts until they can provide proper validation of the debt.
08/18/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 01085
Web
I was viewing my credit scores on XXXX XXXX because I have been rebuilding my credit after a bankruptcy many years ago and all of a sudden I saw my credit score dropped almost XXXX points. I had no idea why because all my bills have been paid on time for a long time now and I have even gotten new accounts. So the day I was looking some company called Cavalry portfolio had reported me to the credit bureaus that I owe them over {$4000.00} I had no warning from them, no contact from them just a notice on my credit report that it was sent into collections. I want from them to one stop bothering me through my credit reports I am taking this " Account in collections '' as a threat- I want this in collections taken off my credit report and if for some reason I do owe them money I want them to validate to me without a doubt how I owe them money. I want to know if this is a old debt from my bankruptcy and OR where this debt originated from, because I have no remembrance of it or this Cavalry portfolio. Their tactics are VERY UNPROFESSIONAL and unreasonable.
04/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IN
  • 469XX
Web
THERE IS A COMPANY/DEBT COLLECTOR, CAVALRY SPV I , LLC. THAT BOUGHT THIS OLD DEBT IN XXXXAND THEY ARE TRYING TO COLLECT. THEY ARE USING XXXX XXXX XXXX , XXXX ATTORNEYS AND COUNSELORS AT LAW TO TAKE ME TO COURT TO SUE.THIS DEBT IS FROM XXXXTHEY TOOK ME TO COURT ON XXXX XXXX TO GET MY PAYCHECK GARNISHED. I'M WONDERING WHAT THE STATUTE OF LIMITATIONS ARE ON AN OLD CREDIT CARD DEBT IN INDIANA. I ASKED THE JUDGE AND HE DIDN'T SEEM TO MUCH ABOUT THE STATUTE OF LIMITATIONS. I ASKED THE COLLECTOR WHEN THE LAST PMT. WAS MADE AND THEY ADVISED THAT DIDN'T KNOW. I ASKED THIS COLLECTOR IF THIS OLD DEBT IS TIME BARRED AND THEY SAID THEY DON'T KNOW.I ASKED THE JUDGE IF THIS DEBT IS TIME BARRED AND HE DIDN'T KNOW.THIS IS OVER 7 1/2 YEARS OLD. MY UNDERSTANDING OF THE STATUTE OF LIMITATIONS IN INDIANA IS 6 YEARS ON A CREDIT CARD DEBT, AND TIME STARTS AT THE TIME OF THE FIRST DEFAULTED PAYMENT OR THE LAST PMT. RECIEVED.WHICH THERE WASN'T ANY. I KNOW NOTHING ABOUT COURT AND ALL I KNOW ABOUT THE STATUTE OF LIMITATIONS IS WHAT I'VE READ ONLINE. PLEASE HELP, THANK YOU.
10/16/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NJ
  • 080XX
Web
I received a letter from the law firm XXXX XXXX dated XXXX XXXX, 2015 that have been retained by Cavalry SPV I , LLC to collect on an amount due from Original Creditor, XXXX XXXX XXXX. I have never received any communication from Cavalry prior to receiving the letter from XXXX. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. I believe XXXX XXXX has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by Cavalry to contact me. I have requested proof from XXXX XXXX proving they have been retained by Cavalry to collect the debt other than the law firm stating so on their letterhead. I will attach correspondence at this time and will assist you in all ways possible.
09/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32311
Web
In XX/XX/2018, I disputed a collections account with all 3 credit bureaus where Cavalry Portfolio reported that I owe money in the amount of {$1400.00} on behalf of XXXX. As a result Cavalry Portfolio updated my account with a note saying they conducted an investigation and that it met the FCPA along with claiming I made a payment to them which I did not along with my account being past due. I also sent a letter to Cavalry in XX/XX/2018 requesting them to validate the debt which they ignored and just sent me a bill. The XXXX account that Cavalry claims I owe money to is not on my credit report. XX/XX/XXXX I contacted XXXX and requested any documentation they may have but was told they did not have any current information where I owe a debt. The last account I had with XXXX was closed out over ten years ago which would exceed the statue of limitations for appearing on my credit report. I have not been provided any information to show that I owe this debt and that Cavalry is licensed in the state of Florida to even attempt to collect the debt.
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92555
Web Servicemember
Calvary Portfolio Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.
05/24/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10704
Web
Cavalry Portfolio Services has sent several letters with regard to a debt that is well beyond the Statute of Limitations for collection according to the Fair Debt Collections Practices Act. The debt can no longer be collected yet Cavalry Portfolio Services is sending letters requesting collection. They are also, showing this item on my Credit Report which has damaged my credit history. In accordance with th e Fair Credit Reporting Act they can not show items still in collections beyond 7 years. In accordance with the Fair Credit Reporting Act, Charge Off 's may sta y on the Credit Report for 7 years from the date of the 1st deli nquency with the original creditor ( XXXX XXXX ) which is XXXX 2009 ( see t he attached statement ). Cavalry Portfolio Services is a third party debt collector that may not " re age '' a debt to suit their needs. Moreover, t hey are not the holder of the original instrument ( the original note ). In accordance with the Law of Negotiable Instruments, Cav alry Portfolio Services has no standin g.
07/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33326
Web
It is an Illegitimate Debt, incorrect and false report on my credit file. XX/XX/XXXX send letter requesting more info about their report and the investigation. XX/XX/XXXX re-resent previous letter, due to a non response XX/XX/XXXX sent a new letter requesting investigate and send me the results ( response received XX/XX/XXXX ; but, failed to give consumer required notices and disclosures under the FDCPA. Response was unethical and disrespectful ) XX/XX/XXXX send letter notifying that, they failed to investigate their entry ; provide consumer info, and disclosure of documents, and that after more than 30 days constitute to promptly drop this info according to Section 611 ( a ). ( Response on XX/XX/XXXX, stating they have reviewed the dispute and verified and it is accurate. Fail to provide me with the information, documents, disclosures ) As of now, I don't know this alledge debt to whom belongs, when was opened, what was it, where was opened, as per request on my correspondence. Attached Letters Attached Report from XXXX
02/19/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30017
Web
On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/XXXX XXXX, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, Calvary is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.
08/18/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 92663
Web
Recevied notice that an assumed debt was owed by debt buyer Cavalry SPV, LLC in XXXX of XXXX. Sent via signature required return receipt request XX/XX/XXXX & confirmed their receipt on XX/XX/XXXX for Validation via the FDCPA. They failed to validate the account as requested and written notice again sent by signature required return receipt on XX/XX/XXXX to cease & decist collection action and efforts based on this failure and per the FCDPA was sent with confirmed receipt on XX/XX/XXXX along with notice of same to XXXX, XXXX XXXX XXXX. Acct was removed and no further action was received or seen until XXXX, where again Calvary errouniously began reporting to credit bureaus of the assumed debt but sent or made no other collection action. Sent notice again to all agencies and parties in XX/XX/XXXX with no avail. I am sending a final notice to update accordingly to the credit bureaus but wish to file a complaint on Calvary for their actions that further harm my credit rating but give no direct contact for further dispute.
06/12/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10475
Web
Over the years, I have written several letters in hopes of rectifying this situation. I have received a letter stating that this debt was written off as a charge off in XX/XX/XXXX. This company is now reporting inaccurate information to all three credit bureaus, claiming that this is a new debt and that this account was opened in XXXX. According to a letter I received from XXXX XXXX XXXX XXXX XXXX. This account was opened on XX/XX/XXXX and charged off on XX/XX/XXXX with a balance of {$1500.00}. On my credit reports, this company is stating I now owe almost {$1800.00}. Which is completely incorrect. I am asking for this company to be reinvestigated for posting inaccurate information and I would like for this collection to be removed from all three of the credit bureaus. This is not my debt and I have been fighting this for so long. I did not authorize for this account to be sold and it should not have been reopened as a new debt. This is harming my credit and I would like for this to be rectified as soon as possible.
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08012
Web
This company Calvary Portfolio Services obtain a credit file that has my name on it but the information submitted is that of another XXXX XXXX who was in the XXXX and I was never in the XXXX... some of the dates corresponds with the time I was in the hospital and I recall seeing this about 10+ years ago at which time I disputed it. I tried calling them and the number they provided was a non-working telephone. They tried taking me to court for over {$6300.00} and when I arrived at court XX/XX/23 they never showed up and it was not on the courts calendar yet it has been difficult to have it vacated. I sent a letter to XXXX XXXX XXXX XXXX ( assignment lawyer ) but she has not responded ..they assured me she will. Meanwhile, Calvary Portofolio and XXXX ( this is not the correct spelling it's close but the other name used is located in XXXX XXXX, NJ This is not mine and I would like it removed from my credit file and charges filed against them. I did not have money to take these people to court otherwise I would have.
07/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53217
Web
I originally had a XXXX XXXX charge account. This account was included with a debt management program ( XXXX XXXX XXXX XXXX ) and was supposed to be paid in full. The debt management account closed in XXXX of XXXX. According to XXXX XXXX XXXX, they paid on this account from XX/XX/XXXX - XX/XX/XXXX and this account was then dropped from the debt management program. Research was being completed in XXXX regarding this account as I did not receive a satisfaction of XXXXt on this account. This account has now been sold to XXXX XXXX XXXX XXXX XXXX and I am to appear in XXXX XXXX XXXX. I was under the assumption that this account was paid as I had never received any further communication. I received an illegible XXXX XXXX XXXXt, no payment history or record of the charges in question. I am requesting a full history of the debt owed, a full payment history and any other correspondence related to this debt. I did not receive a right to cure from XXXX XXXX. I believe this is unfair and deceptive debt collection practice.
06/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 100XX
Web
Early this year, I have received a mail from " unknown '' sender only with the address XXXX XXXX, XXXX XXXX, XXXX, CT XXXX. When I opened the mail, it was unidentified dept amount without any details and the body of the letter was stating that they will file a lawsuit. I called the company Cavarly SPV I and the representative was saying that they will file a lawsuit if I do not pay the debt. I wasn't sure what this dept is all about so I asked them if they could provide details and the personnel just hung up the phone. After months later, I filed a dispute to the credit bureau, and oddly the very next day XX/XX/2022, Cavrly SPV I LLC filed a lawsuit through XXXX XXXX XXXX XXXX without the open dispute being verified and summon was delivered on the XX/XX/XXXX around XXXX. This XXXX companies seem to me, they are coordinating to collect the credit dept in unethical way based on the timeline of the procedure they have made, not to mention the written and verbal threats that were made by Cavalry SPV I LLC.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 34112
Web
The company, Calvary Portfolio Services, is well aware that I have an account with them. I spoke to them again last week and they said they WILL NOT forgive this Past Debt. They will continue to keep this on my credit unless I pay the balance in full. This account is over XXXX XXXX XXXX. I told them that I have no means to pay past debts since the death of my husband XX/XX/2019. I live on XXXX benefits only which is XXXX a year. I explained that there were other companies that relieved me of my past debts so that I may move ahead with my future. I said " so you are going to continue punishing me and keeping this on my credit '' their response was " unless you want to pay this account there is nothing we can do ''. This is hurting me for my financial future. I also told them that since there is absolutely I can do to pay this. That I feel like this is harassment and unfair to me. Unfair credit reporting. Calvary portfolio services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Ref # XXXX
08/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30094
Web
Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!
03/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 32073
Web
CAVALRY PORT having on collection since XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for XXXX since XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XXXX and reported as XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/31/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • SC
  • XXXXX
Web Servicemember
I have asked for debt validation in the form of a signed contract on numerous occasions. They have failed to provide such contract, and prove that I owe them a debt, in the amount of {$1300.00}. I have notified them that all income that I receive is exempt from creditors and that they must cease to make attempts to collect an unvalidated debt. According to Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. With this company continuing to pursue this debt, it has created a added stress on my survival on a fixed income, and my ability to provide for myself. All of my income is protected and there is no benefit to continue harassment and reporting of this unverified debt.
11/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90250
Web
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
09/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 939XX
Web
CAVALRY PORTFOLIO SERVICE Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. CAVALRY PORTFOLIO IS AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I contacted citi bank the original creditor on this account who stated 1099c was issued 4 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to Cavalry on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???
09/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91344
Web
Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are Cavalry Portfolio Services, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is XXXX XXXX.
03/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 132XX
Web
To whom it was concerned I, XXXX XXXX have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of their alleged debt, nor therefore any debt, in fact therefore exists. I contacted Calvalry portfolio service several times today through their telephone I was unsuccessful with getting someone to help me resolve this issue. Also I disputed this with all three credit bureaus The amount is different {$6800.00} and {$6800.00} on each credit report which is concerning to me please can we get to removed immediately off all three credit bureau this is effecting my credit score and its against the law as me being the consumer also they are sue me as well. In addition there are many discrepancies on each credit bureau start date of loan is different The amount owe is different This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. Please can we fix this immediately
11/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66049
Web
Cavalry Portfolio is reporting a 30 day late payment on a disputed collection account, that was taken to court, dismissed for lack of prosecution, disputed several times as identity theft, and yet they still insist I owe them a charge off from XXXX XXXX that they bought XX/XX/2015. This was removed from my XXXX after dispute. **They are trying to report 30 day late payments as if it were a new debt, which is illegal. ** I have repeatedly told them that this account has fraudulent charges opened by my step-daughter. I have no idea where she can be located at this time. CAVALRY PORTFOLIO SERV Original creditor : XXXX XXXX {$2500.00} 0 % paid off Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$2500.00} {$2500.00} Payment Info Original loan amount {$2500.00} Balance {$2500.00} Updated on XX/XX/2015 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
10/31/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80013
Web
I lost my job in 2021 and couldn't afford to pay my bills or pay rent after that. I had called the credit card company and pushed out payments for as long as I could. I became homeless and didn't have a permanent residence for almost 2 years. Unfortunately the credit card company said I was expected to pay and couldn't get anymore passes even though I still didn't have a job and was homeless. I had no way of receiving mail due to the fact that I lived out of my vehicle. I contacted the credit card company after i had finally found a job and they closed my accounts and let me payback the money that I had owed on a much smaller scale. I don't have any accounts in collection according to XXXX and XXXX. I don't understand how Cavalry SPV I , LLC. can say I owe them collection money when I'm making payments directly to the credit card company and both Credit Bureaus state that I have XXXX accounts in collection. I just lost my job a month ago and now Cavalry SPV I , LLC. is suing me.
05/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14215
Web
I received notice from collection agency Calvary Portfolio Services dated XX/XX/18 about a debt they say I owe. I have sent Calvary Portfolio Services letters requesting validation of this debt under the Fair Debt Collection Practices Act, 15 USC 1692g Section 809. I mailed the first letter by certified mail on XX/XX/18 asking them to provide me with competent evidence that I have any legal obligation to pay them along with several items. Calvary Portfolio Services responded to my letters but did not provide any of the answers I had asked or properly validate the debt they say I owe. They only provided me with t of bills of alleged charges they claim I owe, which does not meet Federal Trade Commissions guidelines of what constitutes proper debt validation is. I responded with a second letter mailing it on XX/XX/18 requesting them to validate the debt and informing them of their violation of the FCPDA. I have included the letters that I sent to them requesting this information.
07/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92505
Web
In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.
04/13/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
This is third attempt at fighting off the collection of this debt I have requested from the company debt validation and they have failed to validate the debt. The company Calvary is stating that on XXXX XXXX2014 that it sent notice under 15 U.S.C 1692g which is required by law. They're stating themselves in the letter that it was returned as undeliverable and they're right because I never received any letter or notice. It is also been stated that Cavalry investigated the disputes and verified the information provided, however there's no accurate information to backup their allegation. The person stated in the account who owes the debt it showed that it was a XXXX XXXX now they're changing their allegations and saying that in the original creditor is a XXXX XXXX XXXX. I'm neither of those two names my names is XXXX XXXX XXXX requesting to have both of these debts removed from credit bureaus where they are been reported and cease collection records as they are not my debts.
06/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11232
Web
: On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Calvary on XX/XX/XXXX, showing a balance of {$5700.00}. Calvary Port failed to respond to my validation letter. The uploaded attachment is the letter that was mailed. Cavalry is currently reporting a collection on my credit report, which I would like to resolve as soon as possible in order to rebuild my credit. I sent a debt validation letter to Cavalry on XX/XX/XXXX, which they received on XX/XX/XXXX. They responded within the XXXX window, but they did not include any actual validation or proof of the debt. Rather, they simply affirmed their position that I owe them money and let me know that this matter is currently with their lawyers. ( Considering that it would be illegal for Cavalry to sue me for this debt in New York, I am not sure why they felt the need to mention this. ) I would like for this debt to be removed from my credit report.
02/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 782XX
Web
I sent Cavalry a Validation / verifying letter to Validate a debt they say I owe. I ask Cavalry questions about this debt. Cavalry received this letter on XX/XX/19 via USPS Priority Mail. I sent this letter under section 809 of the Fair Debt Collection Practice Act on validating / verifying debt. Cavalry under section 809 of the FDCPA should cease collection activity for 30 days or until they have sent me information validating this debt. Cavalry fail to do so by sending me a letter dated XX/XX/19 without any information verifying this debt is mine. In addition, continued to attempt to collect on this debt. That is clearly violation of my consumer rights under the FDCPA. They have place this debt on my credit report without Permissible purpose under 604 under the FCRA. I have not given Cavalry permission to invade my credit report and use my credit report as a tool to collect on a debt they can not prove that I owe. Cavalry XXXX XXXX XXXX XXXX, NY XXXX. Thank you in Advance.
10/28/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19138
Web
There is this debt collection agency, who has harassed me for 5 years now for a debt I really no nothing about, but to make a long story short, they too money out of ( 2 ) of my bank accounts twice, the total for this credit card ( suppose to be for {$XXXX} they have too over {$3000.00} dollars from my banks for this so called one debt, I cant open a bank account with out them sending a writ of execution paper to me and my bank over an over again, there are stealing my funds from my savings and checking accounts this is not fair, I tried talking to them, and all they say to me is they will continue to take funds out of my accounts, even tho I did not know of this, account, they have over an over took enough of my XXXX to cover that amount several times, I want action, I want this to stop, also I am under Doctor 's care, for a XXXX Transplant I do n't need the stress, if I can I would like to sue them for thief, unjustified amounts, harassment, deception, Thank you in advance
07/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95132
Web
It starts with a trip to XXXX in XX/XX/2019, I used my card to charge for an entrance fee of {$24.00}, After that, I had been waiting for the bill which never came. The credit card sent me bill on line, and I could not open it. Then they called but I asked them to send me statement on paper. By the time they sent me the bill, it had late fee and interest on it. I called and got the agreement to pay the principal, and they would erase the fee. The payment of {$24.00} was from my checking, on XX/XX/2019, confirmation XXXX. After this, they kept calling me again for the late charge and interest, until now the amount became {$320.00}, and it has been sold to Calvary SPV I, LLC, which consists of {$24.00} of principal, {$26.00} in interest, and {$270.00} in fees. Today I receive call and mails from Cavalry SPV I , LLC asking me to pay for this debt. Please help me to clear this issue, and let me know the process that I have to follow to fight for this unfair business practice.
03/12/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 33702
Web Older American
Cavalry Portfolio Services, LLC. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from XXXX XXXX XXXX that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from XXXX. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted both which I could n't do. I had to rent a car to go to work which I am in sales and have to travel to clients homes. I had to take the money out of my retirement 401K. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. XXXX had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
02/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11228
Web Older American
The following is the information regarding the complaint : Name CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 COLLECTION AGENCY/ATTORNEY Balance {$20000.00} Original Amount {$21000.00} Original Creditor XXXX XXXX Banking XXXX Past Due {$20000.00} The bad debt was reported on my credit report by XXXX. This had a negative effect on my credit rating. I have been attempting to rebuild and restore my credit ; however when Calvary XXXX purchased the debt from XXXX, they proceeded to report the debt a second time, as if the debt that they bought from XXXX was a new debt. This is double-reporting of the same debt. I attempted to pay a negotiated amount with Calvary ( {$11000.00} XXXX on a monthly basis ; however they never altered the negotiated amount -showing the debt was {$20000.00}. They should not have the right to rereport a bad debt. THey also violated their payment agreement by not showing the negotiated amount.
03/21/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43219
Web
I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
08/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • OR
  • 973XX
Web Older American, Servicemember
My credit report showed a derogatory remark of about {$4000.00} to Cavalry Portfolio. When I called them on Friday XX/XX/XXXX they wouldn't discuss it with me. They said To call XXXX XXXX XXXX at XXXX, which I did. I was told it was from a credit card in XXXX that I am unaware of. I offered to give them {$1000.00} to get rid of it, but they declined. Since it was so old I said I would just wait until next year when it would drop off my report. Today XXXX called me and said that they would take {$2600.00} to settle the account. I explained that I can not do that. I am XXXX yrs old, retired on social security. I rent my apartment, own no property, and have only enough money in the bank to pay my livine expenses. He told me this was judgment and that it would stay on my report forever. This was the first I heard of this. He said I was served in XXXX, which is a lie. I think I was living in Arizona at that time when the original debt happened, though I don't remember it.
07/11/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 162XX
Web Servicemember
I have written Cavalry 7 validation of debt letters within the past 6 months, ( dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ) which clearly outlines the specific documents to be sent to me under my Fair Debt Collections Practices Act rights. To date, I have received none of the specific documents I have asked for in my validation of debt letters. I have asked repeatedly for Cavalry to send the information to be sent to me to validate debt claimed owed, but Cavalry has IGNORED all of my written validation of debt requests by not sending the documents I have asked for in my letters. Cavalry is claiming that the account information is accurate and true, which is false because they have not fully complied with my validation of debt letters and federal law. Cavalry is also reporting false information to the credit reporting agencies, because they have not sent me the specific documents I have asked for in order to validate debt claimed owed.
11/19/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • 98310
Web Servicemember
This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.
06/21/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 359XX
Web
On XX/XX/2013 I was highly and predatoraly pressured into buying an overpriced used car. After entering into an installment loan in the amount of {$19000.00}, I shortly thereafter found out that the car was on recall and by paying to repair the car I fell behind on payments and could not remain current on the payments ' late fees and interests ultimately resulting in repossession. After the repossion an agreement was made with the original creditor that no further payments would be made and no further billing from the original creditor was done. However, after the sale of the faulty car I was billed for the balance of the sale in the amount of {$10000.00} by a collection agency and they have continued to report to the credit bureaus monthly and in turn this information is being reported to credit reporting companies greatly impacting my credit score and ability to obtain credit. I disputed this adverse account via FCRA but it remains on all 3 major bureau reports.
05/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 857XX
Web
On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b XXXX separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXX XXXX and have a form of XXXX XXXX by which i take XXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
11/15/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 93291
Web
On XX/XX/XXXX, a summons was left at my door saying I am being sued by Calvary SPV 1, LLC, represented by XXXX XXXX XXXX for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to XXXX XXXX XXXX and the court. I then received a false response by XXXX XXXX XXXX dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, XXXX XXXX XXXX sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.
02/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90810
Web Older American
XXXX XXXX XXXX Credit Card - I closed the account due to charges that were not mine. Issue was not resolved. The account was charged off in XXXX. XXXX XXXX XXXX - I received threatening notices and calls in XXXX. The amount had gone up to {$9000.00}. Cavalry Portfolio Services SPV- I Received threatening calls of garnishment and would be taken to court if I did not pay. XXXX XXXX XXXX Attorney for Cavalry Portfolio Services SPV - Sued me and went to trial on XX/XX/XXXX. Sheriffs Dept.- Received a Levy Notice shortly after trial, completed the Exempt form and mailed to Sheriff Dept. the amount went up to {$13000.00} and still adding on more interest. I retired in XX/XX/XXXXand living on a Pension. Had I known I was exempt from garnishment I would have told the judge. Even though I answered the Levy, I am still getting these Levy notices, I wrote to XXXX XXXX XXXX to stop. I have been getting the Levy notices since XXXX, and they don't stop coming.
05/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 17046
Web Older American
CAVALRY PORTFOLIO SERVICE # XXXX Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XXXX 2019 ''. Above named company can not report two different reports and inaccurate remarks to credit bureaus.
11/12/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 34986
Web
XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERV XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90059
Web
I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19606
Web
I sent a letter to the XXXX credit reporting bureaus to investigate XXXX accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single XXXX of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.
06/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92394
Web
I sent a Validation letter to XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in this state. Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Please provide a complete account history, including any charges added for collection activity. In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 600XX
Web
To whom they may concern, Calvary has reported me to all three credit bureaus on XX/XX/2021 claiming me owing them $ $ before they validated the debt. I received the validation letter on XX/XX/2021 dated on XX/XX/2021 from Calvary as attached. Based on the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), the debt collect agencies supposedly give the consumers 30 days to respond and validate an assumed debt. Calvary failed to do so. They assumed that i owe them such debt that Im not aware of. 1. I will be writing a letter responding your XX/XX/2021 letter to request for validation of this debt. 2. I will file law suit against Calvary in the IL small claims court And state attorney general, if they still refuse to remove the negative reporting from my credit report. It is against the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), that assuming such debt before the validation process. Regards, XXXX XXXX
03/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78259
Web
Several times an account has been disputed, with the debt collector requesting, with letters proper debt verification on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since I do not recognize that debt. The company has not provided supporting documents, to verify the debt bearing my signature, and documents that make me legally binding contractually. The company has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act, and other law. Just with unsupported letters to the CFPB in 2 complaints, and arguing the delivery of information for 6 months without even a simple proof of delivery. The Company failed again with the CFPB to provide support, for the debt verification, and binding documents bearing my signature, in addition to arguing that they have answered my requests this 6 months which is way above the law ordinance. Attached you will find the letters support.
11/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 064XX
Web
On XX/XX/XXXX, I sent a validation request letter to Cavalry Portfolio Services via certified mail in response of a letter revived by them on XX/XX/XXXX stating that I allegedly owe them a debt. They have received and signed the return receipt on XX/XX/2021. It was signed by XXXX XXXX. I clearly stated that my letter is a VALIDATION and NOT a VERIFICATION letter. After that, I received a letter from them stating they have reported the account to the credit as disputed as well as stating that the account is " verified '', although I clearly stated that I am requesting Validation not Verification. It is now Wednesday XX/XX/XXXX, more than 30 days later, they have NOT provided the validation I requested nor have they removed the debt collection from my credit report. This is a clear violation of the COLLECTION PRACTICES ACT. They have no right to go after me to collect debt from now on since they have failed to provide VALIDATION.
02/22/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MA
  • 02720
Web
On XX/XX/2021 I contacted the Office of XXXX XXXX XXXX, XXXX in respond to a letter that I received by mail with a Execution of Money Judgment against me and they are representing Calvary Portfolio Services, LLC to collect {$10000.00} dollars debt on a vehicle I was trying to explain that this account already pasted the 6 years status of limitation for Massachusetts and 5 years for the State of Florida and they are treating with the Judgement to taking my house as far as I can understand. The bank or the collector didn't send me any court order to go to court to address this issue in the past 15 years and now they are requesting that amount when I have a home loan to pay diagnosed with XXXX and XXXX I was not working for 3 months and I also had the XXXX recently. I don't have the ability to pay this debt at this time specially that it is from offer 13 years old debt from another State. I feel this is abusive and unprofessional.
10/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89113
Web
I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not deleted these accounts Collection Accounts : I do not know these collections accounts. 1. CAVALRY PORTFOLIO SERVICE - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. Credit Cards : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not update the accounts. I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1. XXXX XXXX XXXX XXXX XXXX - {$3700.00} 2. XXXXXXXX XXXX XXXX - {$1300.00} 3. XXXX XXXX XXXX - Master- {$790.00} 4. XXXX XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX XXXX XXXX - {$16000.00} Kindly help me. I am the Victim of HARD inquires, un-authorized charges. Regards XXXX XXXX
01/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 949XX
Web
Cavalry Portfolio Services is reporting a very old debt ( probably XXXX yrs old ) on my credit report as a collections item claiming it originated in XXXX. This is FALSE. XXXX was the year that XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX, but this was not the original date of the debt, which was from XXXX in or around XXXX. This account also shows as OPEN and since XXXX no longer exists, it is definitely closed. I also received an attempt to collect on the debt in the form of a bill from them, and it confirms that the debt is too old to be sued for it. I have not opened ANY credit card accounts with a $ XXXX balance in at LEAST XXXX YEARS. This item and the recent " COLLECTIONS '' status needs to be removed from my credit report. It is the only derogatory I have and messing me up to refinance my house. AND THEY JUST REPORTED IT AGAIN ON XXXX, XXXX!!! ARRRGH. Thank you for your assistance. I really appreciate it.
02/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90606
Web
Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} CAVALRY PORTFOLIO SERV - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is XXXX XXXX. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.
03/08/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 466XX
Web
Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.
01/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 90602
Web
Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of XXXX XXXX XXXX. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively XXXX and perplexing. Perplexing because it claims the debt is from an agency by the name of Cavalry. I have never heard of Cavalry or XXXX XXXX XXXX in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92707
Web
I hate to submit another complaint but Calvary Portfolio is not fixing errors on my report. I've sent 4 disputes already and they keep saying they fixed errors and verified account with the 3 credit bureaus. I attached a copy of what they are reporting. As you can see Date last active is different across all 3 reports. I was never active on this account. If I was why would Date of last payment be left blank? They are violating my consumer rights, I do not owe Calvary Portfolio a cent. If you read the comments it says account information was disputed by me already and look at all the inaccuracies and incomplete information on my report. I went over all disputes and credit report with my attorney and he confirmed they are in violation of the FCRA. They are also harassing me for an alleged debt I do not owe them. Also my attorney said collections are supposed to be reporting as closed. Not sure why this is reporting as open.
08/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 773XX
Web
XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. XXXX XXXX XXXX XXXX represented Calvary in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.
04/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75287
Web
Calvary Portfolio is frequently updating my XXXX credit report - showing date reported as most recent asXX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. XXXX XXXX is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. I disputed this and they responded the information was accurate.
03/06/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 451XX
Web
XXXX XXXX says I owe them money I had asked them to validate the debt and I never received validation.today a very rude lawyer who said he was in Illinois called and said I was on a recorded line and demanding money .I have no knowledge of this account.this man screamed at me and over talked me and threaten to take me to court.i advised him I knew the laws and I needed this supposed debt validated .he screamed louder in my ear and told me I didn't know what I was talking about.i advised him that if XXXX XXXX takes me to court I will sue for fraud and harrassment.i looked at my credit report XXXX XXXX is on it I am not sure how they can do this when I never had a signed contract with them.i am demanding a signed contract be sent to me and XXXX XXXX to remove themselves from my credit report.if this man ever calls me again and screams at me again I will fill out a police report.i am wondering if this is identity fraud.
09/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78660
Web
I had a credit card with XXXX XXXX once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX Club. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to XXXX I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with XXXX.
11/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 77084
Web
I've been in contact with Cavalry Portfolio since XX/XX/XXXX they are located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX they have been reporting on my credit report for an amount of {$430.00} I don't know this company and never done any business with this company I've asked them to provide the following ; -What is the money you say i owe you is for - Explain and show me how you calculated what you say i owe -Provide me with copies of any paperwork that i agreed to pay Cavalry SPV I, LLC said debt -Prove that the statute of limitations has not expired on this account -Show me that you are license to collect debt in my state -Provide me with your license numbers and registered agent or agent service -Provide proof of my signature that i owe you this debt the only response was that they conducted an investigation and found that I owe said debt and sent false statements with my name but with no signature
08/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 319XX
Web
Cavalry claimed it had two accounts that they were collecting on that were allegedly owned by them and the debt was allegedly owed by me. I wrote a letter and mailed it on XX/XX/XXXX but they refused to respond. I have never received any demand letter for the accounts listed in the responses provided by the company. The following was the quote response on Ms. XXXX credit report in XX/XX/XXXX regarding two ( 2 ) accounts that its affiliate, Cavalry SPV I, LLC, owns. The Cavalry accounts in question are Cavalry account XXXX and Cavalry account XXXX. Pursuant to 15 U.S.C. 1681b, Cavalry had a permissible purpose to review Ms. XXXX credit report because Cavalry intend [ ed ] to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving thecollection of an account. Calvary does not offer credit and I don't owe anybody an uncollectible debt.
09/23/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • WI
  • 546XX
Web Older American
this was a XXXX XXXX XXXX credit card opened XXXX/XXXX/XXXX which I defaulted on due to becoming XXXX XX/XX/XXXX and was charged off by XXXX XXXX XXXX XX/XX/XXXX. After other debt collecters the company by the name of Cavalry, XXXX XXXX XXXX, XXXX, XXXX XXXX purchased it XXXX/XXXX/XXXX. They called my cell, sent me collection demands over the year. which I can not pay. Now with the Attorney office of XXXX, XXXX, XXXX, XXXX. they are harssing me calls, letters, and a Civil Suit in XXXX Couny, XXXX. They have paper servers at my door which I requested for them to have the Sheriff serve me and go away. And I need assistance from your office to help me get this harassment done. I 'm willing to face them in court to resolve the suit. Which I feel is a charged off XXXX XXXX XXXX debt from XXXX when I lost my home in XXXX and all my credit. I 'm living on social security and a small pension and just get by month to month.
11/04/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Unauthorized withdrawals or charges
  • AR
  • 72404
Web
In the month of XX/XX/2023, I contacted you regarding wrongful actions against my checking account with XXXX XXXX, by Cavalry SPV I and II. Calvary, in a round about way agreed that they were wrongfully collecting and keeping withholding from my bank account. They promised to release all with holdings back into my account, but did not give a specified date for the action. As of today, no monies have been returned. Also, Cavalry continues to collect with holdings from this account, even after admitting to wrongful with holdings from my bank account. *I have the bank statements to support what has been withheld, when and by whom. I asked that Cavalry ( and all others involved ) cease collections from this account, however none have done so. I have heard nothing from Cavalry, nor XXXX and XXXX, nor from the courts. XXXX XXXX did send me a copy of the writ of garnishment. *I have attached the latest transaction.
07/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 451XX
Web
XX/XX/2019 - company called and left a voicemail at XXXX XXXX on a line that explicitly states it is a shared line using my name and stating theyre a debt collector attempting to collect a debt. XX/XX/2019 XXXX XXXX - company calls my personal cell. I answer. First calls me by the wrong name and then corrected himself after I stated it wasnt my name. Asked if I wanted to pay on my debt that they bought from the original debtor, I told him I was considering getting an attorney, that they had left a voicemail on a shared line with explicit details thus violating the FDCPA. He said he was going to talk to his manager. Placed me on hold and then returned and said his manager stated that wasnt a violation of any kind and theyre allowed to leave those voicemails. Then continued asking me to pay on the debt. Did not attempt to resolve the issue and pretended like the FDCPA doesnt exist and theyve never heard of it.
11/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77450
Web
I am writing to dispute the following information in my file. This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
11/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77627
Web
The debt aged out iwith the original creditor. I disputed the debt and it was removed from my credit report. The debt appeared on my credit report under another name, and I disputed the validation : XXXX XXXX XXXX sued on behalf of Calvalry Portfolio that I owed this debt. I asked for verification of debt before the court date, and they did not comply. The court found that I owed the debt to the original creditor and that Calvalty Portfolio owned the debt. I contacted XXXX XXXX and Calvalry Port Folio twice with a debt verification request for documents. I have emailed and sent a certified letter as of XX/XX/23. They have failed to properly inform me of how to dispute this debt and have informed me it can not be disputed. I am aware that the statue of limitation on this debt expired and the zombie debt law passed should not have allowed this debt collector to sue me past the statute of limitation requirement.
11/04/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • FL
  • 33160
Web
This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.
05/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • UT
  • 84062
Web Servicemember
Cavalry SPV I , LLc attornies filed a summons in Civil court against me XXXX of XXXX, 2019. Served to me at my home address and only address on file on XX/XX/2019. I then intern filed a Response to the civil suit on XX/XX/2019. On XX/XX/2019 Cavalry SPV I , LLC violated section 805 ( b ) my sharing my personal and confidential information with a Third Party. On XX/XX/2019 Calvary SVP, LLc filed a Certificate of Service of Plaintiffs initial disclosure in the Civil case against me. It was sent and signed for by someone in the state of Texas. I was informed they also broke rule 26 of Utah law. Failing to provide the debtor with proof of debt within 14 days. I still have not received any documents pertaining to the debt I am being sued for. I was told file a complaint with cfpb as Calvary has a history of such violation in many states. I can provide court records, case numbers and other documents that validate
05/11/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 70058
Web
I received a collection notice from XXXX XXXX the current creditor is Cavalry XXXX. I called Cavalry to ask them if this as collection from 2011 would come off my credit report since it was transferred to another agency no one could tell me even the Vice President of Operations refused to tell me. His name is XXXX XXXX. I also add o asked when did I make my last payment he said XXXX 2011 I asked by check money order he did n't have access. I also asked if I paid this debt would the credit reporting agency start the statute of the debt start over he could not answer. He kept telling me to contact XXXX XXXX. He had no answers to my questions. I do n't feel he was being honest. I asked him about deleting the debt if paid because of the age of debt he had no answer only that they do n't delete for payment please help me understand how a debt can be given to another agency and both can report on my credit report.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34769
Web
I hired XXXX XXXX to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. Calvary Portfolio services XXXX XXXX XXXX XXXX multiple accounts XXXX multiple accounts
06/20/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MN
  • 562XX
Web
Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from Cavalry SPV I , LLC. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX months has a XXXX XXXX XXXX and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX XXXX XXXX. This could have waited until the pandemic is over.
06/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NY
  • 10014
Web Older American
Collection agency Cavalry Portfolio Services reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called Cavalry - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in Florida then. I have never lived in Florida, I have been at my XXXX address since XXXX. I have had second houses in XXXX and XXXX, never FL. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen
09/30/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70131
Web
I have no knowledge of this account at all. I sent several letters to company asking them to please remove this account I never authorize, used nor applied for this, I sent several letters asking company to validate this debit as mine, I called Spoke with A representative whom was rude and failed to give me any information other than tell me I better pay for a debt that 's not mine. I 've never received no knowledge of this. I viewed my credit report and this was on there and that 's how I 've gotten knowledge of this account. I sent letters to credit Bureaus asking them to send me what ever information that got about me opening these accounts .I begged them to validate them and send me whatever proof they got .After several months of stress I received nothing in response from the credit Bureaus Nor Company that 's reporting this debit, Not Mine, Not Authorized, no legal contract with this company.
07/01/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77054
Web
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX and I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. The account has been charge-off and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by XXXX. In this case my debt should be removed from my credit report and out of the office of XXXX because they do not have the right to collect in the State of Texas. Because accordingly, to the State of Texas no debt collector can hire another debt collector to collect on their behalf. I called the Secretary of State Texas debt collections division and asked as this type of collecting is legal and it is not.
03/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33569
Web
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX XXXX of IL. XXXX XXXX XXXX XXXX XXXX XXXX of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX XXXX of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
10/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • NJ
  • 07104
Web
I have made an agreement with this debt collection billing company to pay off my debt. I have sent them a letter asking them to REMOVE my negative debt once it is paid off. It has been TWO months since I've recieved an answer. This is a basic right. I would like you guys to contact them and have them get this done. Please. I have made and agreement every XXXX and XXXX if the month I will pay XXXX $ for the exchange of this being removed from my credit. On XX/XX/XXXX, they accepted my offer. My last payment was made today XX/XX/2018. I am referring to XXXX. It also states on XXXX i owe XXXX but on their website where i make my payment it says XXXX. I want my money back if they are stealing from me. Please resolve this. This is fraud on their end. Thats a XXXX $ difference in my pocket. File Number : XXXX Creditor : CAVALRY SPV I , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX Total Due : {$810.00}
12/22/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45424
Web
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.
05/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30114
Web
On XXXX my a account from Cavalry added a derogatory marks on my XXXX, XXXX and XXXX credit report. I filed a complaint # XXXX on XXXX. It was transferred from XXXX XXXX XXXX and sold to Cavalry. Upon research this account was transferred, I am not responsible nor was a written signature was on the bill per FCRA. Debtors creditors did not verify this collection, no written form of communication, signature or contract for this accused debt at all. A bill without a signature does not validate the debt. Anyone can send a bill but without a written signature according to FCRA, Cavalry has to validate. My rights as a consumer have been violated. Im requesting legal call to action to remove this account immediately. Please terminate collection efforts, remove from all credit bureaus due to failure to validate the debt. See all see all attached docs from Cavalry in response to complaint # XXXX
10/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ID
  • 834XX
Web
Cavalry Portfolio Services has NEVER sent me a bill for this collection they are reporting on my credit report for {$10000.00} I have sent XXXX requests ( with signed proofs of delivery ) for debt verification and they have failed to provide it. I sent first request XX/XX/21, second request XX/XX/21 & third request XX/XX/21. All they have sent me is a letter stating " it is our position that the information we are reporting to the consumer reporting agencies regarding the account is accurate '' but will not provide me with ANY DOCUMENTATION PROVING THIS!! I do not recognize this debt, do not believe it's mine and want it removed immediately from my credit report as they have failed to produce verification of debt requested. It's now been almost 2 months since my first request. They are supposed to remove if they can not provide the verification I've requested within 30 days! Please HELP!
10/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AR
  • XXXXX
Web
I received a letter ( uploaded ) from the company Calvary Portfolio Management. Spoke with representative and explained this debt was paid thru a debt consolidation plan I paid in 2019. The representative stated it bought the account from XXXX XXXX and they are trying yo collect. I also asked for documents and no one had sent any. I sent an email ( see attached ) and in the initial letter sent it states if you reach out to them to dispute ALL collections has to stop. They reported the account as being in collections on my credit report 7 days later. Now my score has gone down 60yrs due to this collection reflecting on my credit report. How can a company buy a debt from 4yrs ago thats been paid but shows the same amount of debt and try to collect it again? My credit is stellar and this is ruining it. I need this company to remove this negative collection mark off my credit report.
05/01/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33068
Web
Calvery Portfolio purchased account # XXXX from XXXX XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. Calvery Portfolio changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called Cavalry spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is
03/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20176
Web
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. Looking forward for a reply soon.
03/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • XXXXX
Web
I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with XXXX. Cavalry, LLC works with " XXXX '' XXXX XXXX as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.
09/08/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 393XX
Web
I sent communications to Cavalry Portfolio Services back in XX/XX/XXXX and most recently in XX/XX/XXXX requesting that they validate a debt by sending a copy of a signed contract hey have been writing and calling me regarding. Both times Cavalry sent the same letter saying that I needed to call and discuss the matter. If Cavalry can not produced a signed contract to validate the debt, from myself, the consumer, then they MUST remove the trade line from my credit report per the Fair Credit Reporting Act. Cavalry has failed to provide me with anything to validate the debt they are alleging that I owe. I do not have a contract with Cavalry Portfolio Services and I would like them to remove the trade line from all three credit bureaus. If Cavalry is acting as third party company then they should not have a trade line listed on my credit report if the bill belongs to another company.
04/16/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • NY
  • XXXXX
Web
On XX/XX/XXXX I submitted a payment to Calvary Portfolio Services for less than was owed in a Pay for Delete agreement. I asked before submitting any payment that this will mean the tradeline is deleted and I never have to hear about it again. This was verbally confirmed by Calvary 's law firm via phone call on XX/XX/XXXX. Calvary is now claiming that there was no Pay for Delete agreement, but this is what was agreed to with their attorneys and I quote " when I pay this it will go away and I will never have to hear about it again '' - I was assured the answer was yes and that I could submit my payment online. Calvary is unreasonably refusing to delete the tradeline, per the agreement made verbally with their lawyers, because I did not get it in writing. I do, however, have a phone call recorded and I will be looking into securing a lawyer if this tradeline does not get DELETED.
08/29/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32305
Web
In XXXX XXXX, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX XXXX XXXX XXXX I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party Cavalry Portfolio that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and Cavalry Portfolio remove this debt from my credit report immediately ( all XXXX Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.
12/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33407
Web Servicemember
XXXX XXXX XXXX XXXX XXXX settled this account, Settlement Amount {$800.00}! I enrolled this account, XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX Enrolled Balance ) at that time was {$830.00}. Between XX/XX/XXXX and XX/XX/XXXX ( Two Years ) the balance rose to {$1300.00}. At this point it was settled for {$1300.00} XX/XX/XXXX ; Settlement Amount {$800.00}, Settlement Percentage 60 %, Debt Reduction {$39.00}, Settlement Fees {$170.00}. PROBLEM : Cavalry Portfolio Services has received payments in accordance with the payment plan through XXXX XXXX XXXX XXXX XXXX. Cavalry Portfolio Services refused to document these payments to XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX Cavalry Portfolio Services reports & XXXX on the Credit Report. How can this be correct when the settlement balance was {$800.00} & Cavalry Portfolio Services received monthly payments from XXXX, a period on one year?
08/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 130XX
Web Servicemember
Calvary Portfolio Collections with a phone number of XXXX keeps calling me asking for " XXXX XXXX ''. I have blocked this number however ; they still continue to call me. My number has NEVER been associated with XXXX XXXX. My phone number XXXX has ALWAYS been associated with XXXX XXXX XXXX ( me ). I called the number back today XXXX and put in extension XXXX which was left on my voicemail. The persons name was XXXX. When I called back, a lady answered and it was not XXXX. I called at XXXX on XXXX XX/XX/2020. She asked if I knew XXXX and I said no to stop calling me. The history of calls is as follows : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX This is ridiculous. They are just calling anyone with the name " XXXX '' to try and reach XXXX. I am tired of the harassing calls. I am NOT XXXX XXXX.
11/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 451XX
Web Servicemember
I recently requested that the office of Cavalry portfolio Service provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character. This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.
08/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94533
Web Servicemember
In XXXXXXXX XXXX XXXX I received several copies of invoices from XXXX XXXX XXXX of account statements with withdrawals under my name with several different addresses from XXXX with XXXX. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called XXXX and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.
03/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33569
Web
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX and deceived by Cavalry Portfolio Services , LLC. Cavalry Portfolio Services , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Cavalry Portfolio Services , LLC. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
03/31/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 95212
Web
Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.
01/13/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • TX
  • 75287
Web
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. When calling back @ XXXX XXXX I spoke with XXXX in XXXX office, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for XXXX XXXX and the amount I was due for. Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.
07/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37040
Web
when i learned of the debt I got an attorney to send an offer to settle it out of court but the collection company refused the offer collection company is fraudulently pretending to be the original creditor collection company has not provided me with any served papers collection company used a non suit judgement without serving me any papers collection company went to previous addresses bothering the people that live there now collection company puts liens on relatives houses collection company re-reported old debt as new debt to the credit bureaus when it was already reported by original creditor and removed from report from original creditor the debt was in a different name yet the company re reported it to the credit bureaus under new name Original creditor was contacted on two occasions and has no record of this debt what so ever tied to my social security number
11/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33511
Web
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX regarding a collections debt from XXXX. I sent this company a certified letter to validate this debt. The debt was not validated but sent from a company with a different name Cavalry Portfolio Services , LLC. In the amount of XXXX. The account listed is XXXX. The address is different as well. The address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX was sent certified verification mail. XXXX XXXX XXXX and/or Cavalry Portfolio Services , LLC did not verify this debt but instead sent me a bill. Nothing verifying the debt. This is clearly an abuse of collections tactics. This is not my debt and is from XXXX don't have or have had any business with this company in the past or currently. This is harassment! I demand that this collections company cease and desist all collections efforts and stop the harassment.
06/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 601XX
Web
I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.
10/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 310XX
Web
On XX/XX/2022 I received documentation from CAVALRY SPV I , LLC claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. Cavalry SPV and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. Cavalry SPV not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at Cavalry SPV will not be tolerated especially when their claims can not be verified.
08/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02780
Web
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The original creditor ( XXXX XXXX ) calls and harass me daily for debt which i didn't owe. I explained the ACCOUNT was not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these negative disputes, as I am new to this. They are not coorporating and states that they are willing to work with me and take settlement offers. They then turn around and sold the account to Cavalry SPV I , LLC and now I don't know what else to do so I am finally coming to you guys for some guidance please.
08/12/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32216
Web
Calvary Portfolio appeared on credit files. They were requested a validation through dispute with credit bureau due to never receiving any USPS mail communicationfrom them. They refused and failed to provide validation of all items of said debt. When they were contacted, they began by verifying who I was, social security number was given but when they asked for address, I requested they provide what address they had on file. The address they had on file for this specific debt was a very old address and would not have been provided to them by original creditor and they were told this. They were told that " if '' I owed this debt, that a Validation is requested. They would simply change a word or statement with credit bureau and made claims it was validated. Credit bureaus simply accepted their change thus continues to remain on each credit file.
04/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33162
Web
On XXXX XXXX, 2021, CAVALRY PORTFOLIO SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
06/29/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46143
Web
I received a notification on my credit monitoring about a new item on my credit report. When I pulled it, it listed this company on my credit I never heard of in my life. The account is listed as bad deb write off included in chap XXXX petition with a XXXX balance, no other information. I have never received a phone call or a letter from these people ever. I do n't even know who they are collecting for. My bankruptcy is still in process, it was filed in XXXX 2017 after my XXXX 's engine blew up, which caused me a lot of financial stress and almost lost my job. I have no idea who these people are, never heard from them and I dont understand why or how they can list something on my credit after a Bankruptsy has been filed? I called them and they wo n't talk to me because of the bankruptsy. I dont even know who they are supposidly collecting for?
05/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PR
  • 00985
Web Older American
I received a letter from CAVALRY PORTFOLIO SERVICES, with Account # XXXX, indicating that there is an account in my name with a XXXX XXXX card that owes over {$1500.00} dollars. I have written to them multiple times to indicate that I do not have and have never applied for a XXXX XXXX credit card, that the account is not mine, that there must be an error or that I was a victim of fraud. I have asked them several times to tell me which XXXX XXXX store the purchases were made to show them that it was not me, but they do not send me the information. I maintain that I have never had or applied for a XXXX XXXX credit card. I request that they provide me in which stores the purchases were made, information that I have asked them several times and they have not provided me. They maintain the position that the information is correct, which I oppose.
07/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IA
  • 508XX
Web
Calvary SPV I, LLC has contacted my sister through email on numerous occasions. These emails are not case sensitive and give out my personal debt information. It states to disregard if they are not XXXX. However, it goes on to show my account number, and the amount they state I owe. I am currently paying off a different debt from the same company, which they have refused to merge the accounts together. Before I was able to make payments on that account, they had started to contact my grandmother asking for my information, telling her about my debt and even asking if she would make a payment on my behalf. Additionally, in 2015 this company has threatened to take legal action to garnish my wages. Ive been making payments on another account with the same company. I would like them to stop contacting my family regarding my personal information.
12/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 230XX
Web
i have a lean on my house and i dont know why i was told XXXX XXXX that i owe XXXX someplace called XXXX was out of business it was sold to cavalry portfolio and i was told it could be a master card or a loan.this was back in XXXX no contact with them at all and dont even know who they are but they have my address why didn't they send me anything after all these years so cavalry portfolio sent it XXXX in the amount of XXXX and then send it to the lawyers office. still no contact until i called them because i need to refinance my mortgage but after 7 years they are telling me i owe money i dont owe it and i am on XXXX and they tried to take it from my XXXX check as paid wages.its wrong a business goes out and you sell it to another company no way this is there phone numberXXXX XXXX XXXX XXXX the lawyer they are using isXXXX XXXX XXXX XXXX
10/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19120
Web
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with CAVALRY PORTFOLIO SERV on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
12/04/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90065
Web
Back in XX/XX/XXXX I received a letter and a check from XXXX for {$5.00} stating they 're sorry they made a mistake you ( meaning I ) had overdraft protection ( which is some kind of inssurance. ) and this is what we owe you. Mind you, this negative report has been with me since XX/XX/XXXX. It has also been sold to " XXXX '' a collection agency who 's claiming I owe them the collection agency over XXXX XXXX dollars for that same account. It has put my good name and reputation in a very tough situation. I am a single dad raising XXXX kids alone and a full time student when I call to inform them I 'll be put on hold for too long I would have to return to class, and their hours are from XXXX which is not at all any resonable time for me and my situation. What can I do who can I go to for a little bit of help. I ca n't afford to pay a lawyer.
08/18/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 34655
Web
I contacted XXXX who is collecting on behalf of Calvary SPV LLC. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.
05/05/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 600XX
Web Older American
I recieved an alet from reporting agency that there was activity on my report I looked at report to find calvery portfolo was listed as putting me in collections I called the number listed and they told me they could not giv me any information they could only talk to my lawyer.it was for somthing with XXXX that shows in the collections box for {$2000.00} I have never in my life had any XXXX bank accounts or credit cards and they wouldnt even tell me what is was for. I recievd a letter about a year ago to my dtrs house from XXXX stating that someone was tying to open a checking accont on line in my name and my daughters address they had me talk to the fraud dept who assured me the checking account was not opened. I have heard nothing after that until my credit report shows this collection agency for XXXX and a balance due of {$2000.00}.
11/17/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 337XX
Web Servicemember
XXXX XXXX notified me of a Derogatory Mark by a company called Cavalry Portfolio Se that I've never heard of. They are saying I owe {$3400.00} to them and put the mark on all 3 credit bureaus. Date is showing as XX/XX/2018. I've never opened anything at all in XX/XX/XXXX.They call me repeatedly from multiple phone numbers posing as a " local '' number and it's to my mobile number which I use for my business. It's ridiculous being on the phone with potential clients and having the same numbers beeping in. I've said repeatedly that I have no idea what debt they are referring to and to send me something showing my name, and my signature with their company deemed with this ridiculous amount otherwise to stop calling me. I still receive phone calls. My next course of action will be to contact an attorney to handle this if it's not resolved.
08/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • WA
  • 98109
Web
I have been trying to resolve an outstanding debt so that I can get it removed from my credit report and hired an attorney to negotiate the debt for me and they said " We've been informed by the creditor that the file is now closed and non-collectable. They're not taking any offers on the debt. It could be that it just aged to the point that they can no longer do anything with it legally. You may try to dispute the debt with the credit bureau that it appears on. If it's old enough it should " fall off '' the report. '' - My Attorney XXXX XXXX XXXX Nothing has " fallen off '' my credit report and I want it removed from the 3 credit agencies so that I can rebuild my credit. The law firm " XXXX and XXXX '' last represented the debt for Calvary Portfolio Services '' and that is who told the attorney that it is closed and non- collectible.
08/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10461
Web
On XXXX XXXX I called Cavalry Portfolio Services to dispute a debt and verification with XXXX # XXXX. I was informed that XXXX XXXX was handling that account for them. On XX/XX/2020 I faxed my letter of dispute requesting validation of debt and to dispute debt to XXXX & Cavalry Portfolio Services. On, XX/XX/2020 I called XXXX XXXX to inquire why after 90 days that I havent heard back from them. I spoke with XXXX XXXX at XXXX and she informed that the debt # XXXX has been transferred back to Cavalry Portfolio Services. I contacted CPS and spoke XXXX ext. XXXX who confirm that they did receive my letters on XXXX and confirmed they didnt respond. I informed them by law they have 45days to send the requested information and that it has been 90days. 90 days has past in my my rights under the Fair collections debt have been vailate.
10/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • XXXXX
Web
This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.
05/09/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43701
Web
I received a copy of my credit report from all 3 bureaus ; XXXX, XXXX, & XXXX. I noticed that there was a collection account listed from Calvary Portfolio Services. I immediately sent them a debt validation letter. I received a letter back stating they received my request but my request didnt have specific facts for them to investigate. In return, I sent them a letter stating since they can not verify this debt, then by all means they have to delete it. They were trying to use a stall tactic. The day I sent out my 2nd letter, I received another letter from them stating they verified this debt and that it is in fact mine with an attached monthly billing statement from 2018. This does not constitute proper validation. They still have not deleted the unverified debt & tare still continuing to report it to the credit bureaus.
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 601XX
Web
Today, I am writing this complaint to CAVALRY PORTFOLIO SERVICE regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
04/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10026
Web
I have tried repeated times to get Cavalry Portfolio Services to verify the debt they say I owe, and they have not done so. I have made a identity theft / fraud complaint with the FTC. By law, they must remove any fraudulent information from the Credit Bureaus, as this fraud is negatively effecting my credit score and impeding my ability to conduct business in commerce. Cavalry has no contract with me, and can not sufficiently validate the debt they claim I owe, therefore they must remove this account from my credit report. - both XXXX and XXXX are reporting negative information on a debt that is fraud and is inaccurate which violates my rights to privacy and they are violating the laws that require them to report accurate information. This fraud must be removed from my credit reports at XXXX and XXXX Immediately.
04/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85742
Web
I have sent 3 letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Cavalry Portfolio Service requesting they verify this debit. To date they have ignored my request and are still reporting this debit as collection on my credit reports. I did receive a letter when I made my first request, however, my request was completly ignored, in which I followed up with a second request and then a third. I have attached the letters I sent and the lame response that followed. Cavalry has refused to verify this debit and they have ignored my written requests to do so. Each month they report this on my credit reports they are in Violation of the Fair Credit Reporting Act by reporting inaccurate information and in Violation of the Fair Debt Collection Practices Act, continuing collection activity on a debt which has not been validated.
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 601XX
Web
Today, I am writing this complaint to CAVALRY PORTFOLIO SERV regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
05/30/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 368XX
Web Servicemember
My husband died on XX/XX/XXXX . As soon as my husband past away the government ceased his military pay. I could no longer continue to pay on this account. I only had enough money to pay my house and utilities. I was diagnosed with XXXX XXXX in XXXX , and I was still grieving the loss of my husband. I had been XXXX free for 10 years, but when I my husband died the XXXX came back due to grief. And it was more grief when I no longer could pay on my credit card account. I am on a fixed income and i still ca n't pay it. Collection agencies will cease collection efforts if the person can explain their financial hardship. Well with the government taking away my husband military pay has caused me a severe hardship. My credit should n't be ruined because of my husbands death which has put me in a tight spot.
09/17/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07728
Web
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX
05/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33069
Web
On XXXX XXXX , I sent a dispute requesting validation of the alleged debt that Calvary is reporting. In particular I challenged the Open Date of XXXX XXXX XXXX as I believe that the last payment was made in mid XXXX certainly not XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid Statute of Limitation . I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed. On XXXX XXXX , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but Calvary has in my opinion intentionally reaged the debt from its original XXXX time frame.
08/30/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23238
Web Servicemember
I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.
07/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77583
Web
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Cavalry Portfolio SE. Please note, I do not have an account with Cavalry Portfolio SE and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from Cavalry Portfolio SE. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
12/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11105
Web
Calvary claim that I owe the debt and hired a law office called XXXX XXXX XXXX XXXX to collect the claimed debt, when I found out I requested with in 30 days to validate the debt using US certified mail from the law office on XX/XX/2021, who referred me to Calvary which I requested to verify the same debt in XX/XX/2021, all I received from them was questionnaire asking me question about the debt, and the only thing they refer to is a revised judgement they took without serving me and when I found out about it I immediately requested to show cause and the judgment was revised. and when I tried to call Calvary to question their behavior, they refer me to the attorney who referred me to a revised default judgement I mention earlier. Also, later on as if they register my number in there system not to go through.
10/31/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33324
Web Servicemember
Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. This is not my debt and it should not be on my credit reports at all. I have included a copy of the third debt validation request I sent and postal confirmation of delivery.
08/04/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94806
Web
I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector reports continues to report an account on my credit report that should not be there. On XXXX XXXX , 2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail In the letter I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.
05/26/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20747
Web
The company XXXX has been paid in full for an old credit card debt and now the company is trying to collect on the debt a XXXX time by hiring a different agency to collect on the debt. I have my court documents showing the judgement was dismissed due to payment in full. I also have my letter from the first company hired that states the debt was paid in XX/XX/2014. After pulling my credit report, I discovered XXXX has now hired Cavalry Portfolio Services to collect on the same debt and reported false information to the credit bureaus indicating I have not paid the debt. I have to add that the firm I paid did notify XXXX months ago about the debt being paid in full, but yet XXXX hired another company to collect on the debt a XXXX time. This if fraudulent and goes against the Fair Debt Collection Act.
09/21/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • XXXXX
Web Servicemember
XXXX XXXX XXXX Department acted prematurely and wrongfully processed a notification like it was a court-ordered levy garnishment from XXXX XXXX XXXX XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX County Government Clerk of Superior Court stated that the court has not issued a levy garnishment to XXXX on behalf of Calvary SPV I LLC to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My complaint is that Calvry and Levy Law Firm XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of debt debt-collecting agency.
12/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • XXXXX
Web
In accordance with the Fair Credit Reporting Act, CAVALRY PORTFOLIO SERVICES has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. 17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
05/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32835
Web
On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.
01/19/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75092
Web
Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.
05/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • NJ
  • 070XX
Web
Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.
07/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93307
Web
I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money. I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.
05/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77055
Web
I've attempted to resolve this Identity Theft issue with Cavalry Portfolio multiple times. I even submitted a request to the credit bureaus and the bureaus have not been compliant per FCRA 605B. This account was a result of Identity Theft and I request that it be blocked/removed IMMEDIATELY. I've submitted all requested documents per the FCRA ( ID, FTC Report, and detailed request ). This account needs to be blocked/deleted as it is not mine. I already tried requesting validation and disputing multiple times and have even requested method of validation and I simply get a response saying " We've determined this account is valid '' with no further details. Please see my supporting documents attached for the Identity Theft report and have Cavalry Portfolio/XXXX XXXX delete this account for me.
04/04/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NJ
  • 07103
Web
Company sued me without written notice, no email, no phone call, no court notices were sent to my residence. I went into XXXX XXXX to get a money order for rent and was told I could not withdraw because a legal levy was placed on my funds. I was confused and embarrassed and could not pay my rent today XX/XX/XXXX The branch manager provided me a copy of a letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX, Nj where I do not live, I live in XXXX XXXX. The letter was from a Calvary SPV LLC who placed a judgment in my name with a court officer from XXXX XXXX, Nj XXXX. My full social security number was hand written across the letter top of the court document and mailed to a unit where I do not live. My rights were violated by the courts also by sending my personal information in mail insecured.
07/18/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • VA
  • 22180
Web
case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX County. XXXX instead it was sent to my brother XXXX in XXXX XXXX. I moved from XXXX XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX XXXX XXXX XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of XXXX ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX XXXX XXXX XXXX it is a housing for people in XXXX. The full garnishment is a burden
12/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 981XX
Web Older American
CAVALRY PORTFOLIO SERVICE called and did not identify themselves. Then she asked for my birthday and other information. When I asked what it was about, she stated that it was " personal information. '' Again, I stated that I would not give her my birthday or any other confidential information until they identified themselves and what they were calling about. She stated that she had my social security number and birthday ; they just wanted to confirm my identity. I asked for the reason a second time. Again, it was " this is a personal business matter. ". I refused to give her any information and told her not to call again. They called two more times, using the same explanation that this is a " personal business matter. '' I refused to give her any information until they identified themselves.
11/20/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 328XX
Web
This company did a hard credit check on my XX/XX/XXXX credit report on XXXX. I've heard of their agency before but I did not give them permission to check my reports. I've had other agencies to this in the past and have caught them and they finally stopped ; however I've dealt with this company before and they were trying to collect on a 15 year old debt from me in the past with harassment. Since they are not a lender and debt collector, they checked my credit report illegally, assuming to get current contact information or other information they could use. THIS IS ILLEGAL as they had no permission to do so. I have also ordered my XX/XX/XXXX and XX/XX/XXXXreports and will create another CFPB complaint if I find them on there as well ( for each one ) ... STOP IT or you will pay damages.
08/26/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ME
  • 040XX
Web
On XXXX XXXX, 2016, I received mail from Cavalry Portfolio Services about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Cavalry Portfolio Services to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. Cavalry has contravened its 809 ( b ) statutory requirement to validate the debt.
10/19/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08081
Web
On XX/XX/2022, a letter was sent to XXXX and XXXX about Calvary Portfolio Services thats is reporting as a collection account. I have no knowledge of this account and I requested that they send me the original signed agreement with my signature for this account. I have not received anything from them nor has the account been removed from my account. I am aware that it is past XXXX days and I am able to reach out again to follow up due to the lack of communication from both bureaus about this account. I also am aware that I am protected by laws under the FCRA and the following laws where violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I am also aware that I am able to submit an invoice of {$1000.00} per inaccuracy.
07/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85388
Web
Calvary collection agency is trying to collect on a debt for a MasterCard account via XXXX XXXX . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Calvary states it was opened XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal Regulations.
04/13/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78665
Web
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.
01/03/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 76021
Web
Calvary SPV 1, XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. These companies continue to harass me about a debt I told them is fraudulent because someone who died created this debt using my name. I am tired of the threats and whenever I tried to contact Calvary. They state that they can not locate any account for me. Now Im receiving threats to seize my personal property. I contacted the court in XXXX who stated that I do not need to worry about coming to court because the case is no longer valid and has been dismissed. After months I contacted them again and was told they are coming to take my property. The name of the receiver is XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX TX XXXX XXXX. XXXX, XXXX. I have a XXXX XXXX and unable to deal with these people in my condition.
11/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 94102
Web
I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX, not on behalf of our individual consumer client who had this debt, because I would like CFPB to be aware of Cavalry 's practice. A couple of years ago, we helped a consumer vacate a renewal of judgment on an old credit card debt with an alleged charge-off date in XXXX. The judgment is not enforceable, and the debt is too old to report on the consumer 's credit report. However, we received a collection letter today, addressed to the client c/o our office, stating that she owes the debt. There is no statement clarifying that it is too old for them to report on her credit, and in fact one of the disclosures on the back implies that they will report on her credit. I have attached a redacted copy of the letter.
06/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15102
Web
I have contacted Calvary and all three credit bureaus ( XXXX, XXXX, and XXXX ) regarding an account on my credit report that Calvary alleges that I owe. I asked all companies to provide me documentation that I owe this debt. Calvary sent me a statement sheet that showed a balance. I asked them to provide me with the contract that had my wet signature to verify that this account actually belonged to me and they have not responded to me at all since the first letter I sent to them. The last letter I received was dated XXXX. It is now XX/XX/ and I still haven't received anything to prove that this account belongs to me. A statement is not sufficient enough proof. I as a consumer have rights and they are indeed violating those rights and I am seeking assistance on this matter.
07/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33407
Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 1. CAVALRY PORTFOLIO SERVICE-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. ( NOTHING HAS REMOVED OR RESOLVED ) 2.XXXX XXXX-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )
01/20/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 970XX
Web Older American
My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.
03/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60643
Web
An affidavit has been provided, all three credit bureaus have removed, the original creditor has let it go, when cavalry bought the debt it was going through a fraud claim, yet they continue. They continue to send some bills stating its verified. You cant verify fraud that has been released by all the credit bureaus, the FTC has report of, cavalry has acknowledged it was under fraud investigation, and the original debtor knew about fraud. Cavalry was reported for harassment by the phone call method in attempting to collect this fraudulent debt. They refused to listen when I told them it was under investigation but insisted I pay now that everyone has let it go they still are attempting to collect on a fraudulent debt. They are sending bills attempting to validate fraud
09/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CO
  • 80909
Web
I don't have the exact dates but about a year and a half ago the collection agency out of California named Cavalry Portfolio Servic repeatedly called my mom, grandma, enployer and myself, after we all told them to stop. Also they threatened legal action regarding my debt, as well as discussed personal information about my debt with my mom, XXXX XXXX, who let me know right away. I notified them about this, requesting they remove my debt but instead they lied about all the violations in which they knowingly committed and refused to remove it. Luckily my mom was a manager at a debt collection company so she made sure to explain that what Cavalry Portfolio Servic did was unlawful and that I should file a lawsuit if they don't remove the collection from my credit report.
12/02/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30008
Web
I called the creditor who purchased the loan. Due to me being old and not being able to see well and not knowing exactly who they are I tried to make a 3-way call with my granddaughter. I was given a number to the attorney 's office that was given the file. They refused to talk with me because my granddaughter was on the line after I gave them authorization for them to be able to communicate with my granddaughter who was attempting to pay the debt off for me. They refused to transfer me over to a supervisor and refused to give me a fax number to send authorization in via fax. I'm a senior citizen with health issues and this has added alot of stress and this isn't good for me. This unresolved issue is adding for stress to me and I live alone. And I'm on fixed income.
07/23/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 19348
Web
I have just discovered that I have a judgement against me with a company named Cavalry SPV I , LLC. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from cavalry. I called Cavalry to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also both my teenage children. I would like this investigated and judgement removed.
05/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 430XX
Web
Cavalry Portfolio Services has been reporting a collection debt to both XXXX and XXXX since XX/XX/XXXX. This is supposedly for a XXXX XXXX credit card account that was included in a bankruptcy I filed back in XXXX making the debt no longer owed. I contacted Calvary Portfolio Services on XX/XX/XXXX and was told they could not release any information to me about the account. I called again on XX/XX/XXXX and was told the same thing. They are violating my rights under the FCRA and refusing to supply me with any information validating their claim or proving this debt is valid. Their reporting is harming me financially and after repeated attempts to resolve with them I have gotten no where. I have new current credit lines with XXXX XXXX and this makes no sense at all.
05/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 319XX
Web
On XX/XX/XXXX, the Credit Reporting agencies ( CRA ) provided Cavalry Portfolio Services access to my credit report although there was no legal reason to do so. I contacted the CRA 's who informed that the inquiry could not be removed nor could they provide me with the permissible purpose. I was instructed to contact Cavalry Portfolio directly at the address on the report for the legally permissible purpose. I sent a certified letter to Cavalry Portfolio at the address on the report and they have refused to respond. More than thirty days has expired. The letter was received on XX/XX/XXXX using cert number XXXX XXXX XXXX XXXX XXXX XXXX I have included a letter directly to the CFPB and a copy of the letter sent directly to Cavalry Portfolio by certified mail.
07/21/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web
On XX/XX/XXXX I was sued by Calvary SPV I, LLC on behalf of XXXX for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from Calvary proving that they obtained the debt from XXXX. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.
05/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33165
Web
While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. XXXX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON XXXX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.
03/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 194XX
Web Older American, Servicemember
XXXX, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - XXXX and XXXX XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? Please consider this as an unfair practice - the debt has already affected my credit and home.
09/24/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 38133
Web
I had a XXXX XXXX credit account. I have a letter showing my account # and the account was paid in full and closed. Calvary Portfolio is suing me for a different XXXX XXXX account that is not mine. It is a different account # and I have sent them the letter and spoken to someone on the phone and they told me they would get me the paperwork to claim it as a fraud account. I have asked them to give me the account information and XXXX XXXX it was opened at but have yet to get anything from them including the packet of information to claim fraud. I have made multiple phone calls to them, their attorney and corresponded with the attorney 's office through email but can not get proof that this account is mine. I have never had XXXX XXXX XXXX XXXX accounts.
02/01/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30815
Web
There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.
10/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90048
Web
After sending in 2 letters to collector to validate debt they have not been able to provide any validation / written contract with my signature. All i am getting is phone calls and letters that don't address my Validation letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I have also received a letter saying they may sue me. I am a single father and this has made a major negative impact on my credit score which intern is hurting my chance to have enough credit to help pay for my sons needs and getting a much needed home. I have also been victim to XXXX breach and my personal information is being used in the dark web. Thank you for your help. XXXX XXXX
12/31/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 791XX
Web
I HAD NO IDEA I HAD THIS DEBT IT IS A XXXX CREDIT CARD OPENED XXXX AND CLOSED XXXX I HAD TRIED TO REFINANCE MY HOUSE AND FOUND OUT THE COMPANY SOLD IT TO XXXXXX/XX/XXXX WHICH THEN WENT TO A LAWYER WHERE THEY PUT A LEIN AGAINST MY HOUSE, I CALLED THEM XXXX AT XXXX XX/XX/XXXX AND SPOKE WITH XXXX XXXX SHE SAID SHE WOULD GET THE INFO TO THE LAWYERS AND THEY WOULD BE BACK WITH ME WITHIN 24HRS AND I GOT A EMAIL BACK AT XXXX SAYING THEY COUNTER OFFERED I DO NOT OWE THIS DEBT BUT TO RUSH THINGS ALONG ON MY HOUSE REFINANCE I TRIED TO SETTLE THE TOTAL AMOUNT WAS A LITTLE OVER XXXX I OFFERED XXXX, THEY COUNTERED WITH THEY WILL ACCEPT XXXX AND PAYMENTS ON THE REMAINING TOTAL OF XXXX. I DONT KNOW HOW TO CHECK ON THIS AND I DONT FEEL ITS MINE CAN YOU HELP ME
08/18/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • CO
  • 80301
Web
Violation of FCRA Violation of FCRA Fair Credit Reporting Act Reporting old debt as New or Re-aged False Statement in Re-aging old debt in reporting to credit report companies Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' sent letter to consumer with XXXX as letterhead and return address, implying threat of suit
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92805
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
04/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11220
Web
I contacted Cavalry Portfolio Serv by mail about a collection that appears in my credit report they responded back with a screenshot of an online photo about an account I don't know nothing about this account. This is the details that show in my 3 bureau credit report. Account Name : Cavalry Portfolio Serv Account # XXXX Original Creditor : XXXX XXXX Account type : Collection Date Opened : XXXX XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to an attorney, collection agency, or credit grantor 's internal collection department. Status Updated : XX/XX/XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Past Due Amount : {$4400.00} Terms : 1 Month Responsibility : Individual
04/20/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10305
Web
On XX/XX/2018, I checked my credit reports from all three major credit bureaus and I had found a debt collection company called Cavalry Portfolio Services , LLC I didnt take it seriously until early this year i began trying to clean up my credit report, they had bought my old XXXX credit account, which I am going through a settlement with a debt relief company, I immediately reached out to the credit bureaus and Cavalry Portfolio services about the amount they say I owe them is {$4800.00} I have written to cavalry portfolio services for proof of the debt, three times already and I had the letters certified, out of all three times, I had heard no response from cavalry portfolio services, but the Three credit bureaus came back as verified.
10/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 92011
Web
On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.
11/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33069
Web
I have collection that was removed already from my credit report because they dont belong to me and these same collections have reappeared on my report : CAVALRY PORTFOLIO SE ACCT # XXXX ( which is a collection agency ) stated i opened an account on XX/XX/XXXX which is false! I have no knowledge of this account. Reporting to all 3 credit bureaus XXXX XXXX XXXX ACCT # XXXX ( which is a collection agency ) stated i opened an account XX/XX/XXXX which is false i have no knowledge of this account. Both collections reporting to my XXXX report. XXXX XXXX XXXX XXXX ACCT # XXXX ( Which is an collection company ) stated I opened an account XX/XX/XXXX which is false because this account doesnt belong to me. This account is reporting to XXXX.
07/25/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91311
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
11/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77346
Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
02/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30228
Web
On XX/XX/XXXX Cavalry Portfolio Services was contacted via mail by me because they sent a letter claiming that I owed an amount of debt. I sent them a validation letter to prove this amount because I do not owe this debt. The information was removed off all 3 of my credit reports. Now I received a letter on XX/XX/XXXX about this same unvalidated debt and according to the date of XX/XX/XXXX as the open date listed on the letter, this debt has reached its statute of limitations. This debt remains unvalidated and it has expired but this company keeps contacting me regarding this debt saying it will resume collection efforts. But at the bottom of the letter, it states that due to the statue of limitations they can't sue me for the amount.
10/06/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76051
Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I am a victim of identity theft and noticed a collection from Cavalry Portfolio. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Cavalry portfolio in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 707XX
Web
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
06/30/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 191XX
Web
The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.
05/13/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 148XX
Web
I am permanently XXXX, my only income is XXXX. On XX/XX/XXXX a XXXX Sheriff delivered a wage garnishment to me personally at my home. This garnishment was also issued to a local company construction instructing them to garnish my wages.This situation has caused a great deal of personal stress unnecessary. I have NEVER worked for this company, my XXXX has rendered me unable to work, my last paid employment was XX/XX/XXXX. I am very concerned and bothered that Calvary SPV 1 LLC is contacting random companies and sharing personal information about me. I would like a retraction of this information and an explanation why this happened. This complaint is against : Calvary SPV 1 LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX
03/08/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 93065
Web
I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
03/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91773
Web
I have absolutely no idea what this account is, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report this account. Also this debt was proven to be fraudulent by the original creditor and deleted off my reports, Im contacting this creditor to ensure that they know that this debt here is uncollectable under the Fair Debt Collection Act 2009 ( a )
02/27/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • OK
  • 74403
Web
Cavalry SPV I , LLC as assignee of First Investors wrongfully filed a proof of claim with the XXXX District of Oklahoma courts. This debt buyer cant prove that you owe the debt, the statute of limitations has passed, debt buyer cant prove that it actually has the right to sue you because I've never received anything from this company nor this company/companies on my credit report. This debt buyer is providing robo-signed or false affidavits regarding a so called debt against me. This company has several different states listed, it has Georgia and New York. They can not sued me in a state where I do not live or did not sign for the debt. This is fraud and they are trying to defraud the Federal Bankruptcy Court of XXXX Oklahoma.
11/05/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 720XX
Web
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Cavalry SPV I, LLC which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Cavalry SPV I, LLC has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Cavalry SPV I, LLC. Cavalry SPV I, LLC is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
04/17/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • PA
  • XXXXX
Web
Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.
04/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • ME
  • 049XX
Web
Cavalry Portfolio Services has placed a lien on the title of our family home in Connecticut. We are trying to sell our family home through a short sale to keep it from falling into foreclosure. Despite our best efforts, Cavalry refuses to release the lien from the title so the short sale can go through and not another Connecticut foreclosed home. We have a cash sale, but Cavalry continues to refuse to work with us by releasing a very old debt from XXXX - XXXX that they purchased. At that time, both of us were working. The economy in Connecticut was great, we are now retired and trying to sell our family home when this showed up on the title. Our Bank will not close with this lien on the title. Thank you for your help.
10/10/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34787
Web
On XX/XX/2020 I mailed a request for validation of debt from debt collector. On XX/XX/2020 I received a letter from debt collector, Cavalry, dated XX/XX/2020 acknowledging receipt of a letter of dispute and for me to provide them, the debt collector, with specific information and explanation of the dispute. However, my original letter mailed on XX/XX/2020, to the debt collector was a request for validation of the debt under the FDCPA asking for information of debt they claim I owe. According to Section 809 of the Fair Debt Collection Practices Act I have the right to request a collection agency to validate the debt they are trying to collect. Cavalry needs to mail me such verification of the debt or a copy of a judgment.
09/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27909
Web
I got a letter from Cavalry on XX/XX/2020 about an obligation for XXXX. With all the scams going on, I sent a validation letter on XX/XX/2020. Calvary responded on XX/XX/2020 which incorporated a generated bill statement expressing that was confirmation and it's my obligation which doesn't meet the FTC guidelines of what constitutes proper debt validation is. None of the documentation had my signature on it and the pertinent documentation mentioned to demonstrate the debt is mines wasn't sent. I reacted with a second letter on XX/XX/2020 requesting them to validate the debt and informing them of their violation of the FDCPA. I've enclosed all letters sent and received. I'm waiting now on my request for a validation letter
09/09/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 90201
Web
This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.
05/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 564XX
Web Servicemember
I was notified in XXXX of XXXX that Cavalry had purchased a debt from XXXX and claimed I owed {$5900.00} and began reporting a collection to all three credit bureaus. The original debt is from XX/XX/XXXX. I disputed the debt and Cavalry has not provided adequate documentation showing that the debt is valid or belongs to me. Cavalry is also reporting false and inaccurate information regarding the age of the debt. As I do not believe that this debt is not valid, I have requested to have the matter be settled via arbitration and have served both Cavalry and their law firm with a demand for arbitration. Cavalry has not responded to the arbitration demand and continues attempts to collect the debt in violation of the FDCPA.
10/28/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • PA
  • 190XX
Web
after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,
04/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32065
Web Servicemember
I never opened a XXXX XXXX XXXX XXXX card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. XXXX did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to call.
09/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 11375
Web
On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, XXXX XXXX XXXX XXXX XXXX and its customer service agents demanded a lump sum in order to release the levy on my XXXX XXXX Savings Account. The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices. My Savings account currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt. These predatory practices must end once and for all.
10/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37312
Web
XX/XX/2021 CAVALRY PORTFOLIO SERVIC Collection were started from XXXX which i disputed and also sent letters that this account was fraudulently opened along with a signed police statement letter that this was also fraud. Company said that this account was verified which they were unable to send proof that i signed anything or proof that anything was sent to me that was purchased. I want this removed as well as the collections company they sold that debt too removed from my credit report asap because i disputed this multiple times and at this time it is credit harassment. Credit company has addresses that I have also never lived at on my credit report like 1. XXXX XXXX XXXX XXXX XXXX has wrong name. 1.XXXX XXXX
03/19/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • NM
  • 87111
Web
I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from XXXX XXXX/Cavalry SPC. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for XXXX XXXX/Cavalry to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.
03/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02144
Web
Cavalry Portfolio Services LLC are attempting to sue me over an alleged XXXX credit card debt from XX/XX/XXXX-XX/XX/XXXX without the required documentation outlined in a 2016 CFPB Consent Order relating to XXXX accounts from this time period ( XX/XX/XXXX-XX/XX/XXXX ). I have been to court on seven separate occasions asking for this documentation ( effective agreement, minimum of 12 months statements ) only to be asked each time how I plan on paying, as though I had never spoken to them before. Details of a similar case and past CFPB complaint made public online by the defendant indicate Cavalry Portfolio Services and their same local representative law office of XXXX XXXX XXXX are aware of this Consent Order.
09/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80831
Web Servicemember
There is an old XXXX XXXX credit card debt ( XXXX bank ) of XXXX $ from over 7 years ago that isn't mine. The social security number tied to the debt is not mine. I have proven this before, and had it removed from my credit report ( in XX/XX/2020 ). The debt continues to be bought and change hands every couple of months, where I will receive letters from the new companies. The company that has the debt now has reported it to the credit companies as a new collection and has tanked my credit score almost 100 points. I want this debt gone from all the credit reporting agencies and I want this debt to finally die. The current company is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ''
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11229
Web
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and CAVALRY PORTFOLIO SERVICE, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX CAVALRY PORTFOLIO SERV / XXXX Balance {$3600.00} and CAVALRY PORTFOLIO SERV XXXX - Balance {$3700.00}.
07/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OK
  • 73012
Web
Cavalry Portfoliio Services Llc-XXXX and XXXX XXXX. Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX Calvary Portfolio is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.
06/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97060
Web
Cavalry has been reporting a debt that I do not recognize and I have requested debt verification/validation multiple times. Cavalry has not sent me anything but statements from XXXX XXXX . I have requested the original contract and I have requested the original contract that shows their right to contact me regarding this debt. They have failed to provide this information. In addition, they have failed to mark my credit rep ort ( s ) with an indication of my dispute. They continue to report this debt and have violated my right under the Fair Debt Collection Act to en sure this debt is mine. After I disputed this information, they continued collection efforts despite the statute of limitations being expired.
08/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 15010
Web
This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.
05/20/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • UT
  • 84062
Web Servicemember
Calvary Hired a Law firm that filed a civil Lawsuit against me in the state of Utah. Prior to the lawsuit, I received 20 to 30 phone calls instructing me to not hang up and stated the law firm name First in order to intimidate me. The callers were pretending to be lawyers. The employees were not lawyers but collection agents hired by the law firm. They left out the fact that they were not attorneys as required by law. I admit it works. I was scared to hang up the phone in fear of legal action. I guess Calvary Svp looks at these type of violations from a business perspective. They assume most of us in financial chaos will not report the violations. They have a long history and more must be done to spot them.
05/27/2015 No
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • 30265
Web Servicemember
Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.
09/22/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60914
Web
On XX/XX/XXXX, I sent a certified letter asking for Validation of this supposed debt in my name bearing my signature. On XX/XX/XXXX, they sent a statement saying they " verified '' sending a statement from XX/XX/XXXX with my name on it, not what I asked for. On XX/XX/XXXX, I sent another certified letter asking them to provide proof with a document bearing my signature for this account. On XX/XX/XXXX, I received the same exact letter as the one on XX/XX/XXXX, once again nothing bearing my signature which is proof that this debt is valid. This debt needs to be removed from all XXXX Credit Reporting Agencies, as they have not provided the proof that this debt belongs to me and are in fact breaking the law.
04/24/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 304XX
Web
Received call from XXXX advising they were Calvary Portfolio calling on a personal matter. I researched and found they were debt collectors, I called back. They said it was a personal matter when I asked if they were debt collectors. I advised that pursuant to the debt collection laws I requested that contact in future be in writing, they again advised was personal matter. I spoke with agent XXXX at ext XXXX and then the floor supervisor XXXX, that was the names they provided. They have been put on notice and still fought me on calling back to discuss the matter. I feel they are using " personal matter '' as a way of hiding their true nature and an attempt to get around the fair debt collection act laws.
09/05/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • 90301
Web Servicemember
I want to dispute an error on my credit report. The agency cavalry portfolio Service, put me in collection that reflects on my transunion credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency.
05/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32208
Web
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They even refer to me as an incorrect name. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.
12/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89178
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
11/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93312
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CAVALRY PORT ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
10/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 293XX
Web
I have contacted this company Cavalry Portfolio Services LLC several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.
12/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 902XX
Web
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
01/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94941
Web
CAVALRY is attempting to collect on the judgment that is not mine. Judgment was filed back in 2010 and lined my property this is Not my account!!! I tried to dispute this with Cavalry, but they refuse to investigate or send me proof why they decided to lien my property for someone else 's debt ... Instead now they are harassing me for the payment..Now they started calling my work, even my ex and threatened to arrest me if I didn't pay the amount right away ... I attempted to contract the law firm who furnished the lien but they are NO longer in business or DO NOT exist as I was not able to find any business license under XXXX XXXX XXXX XXXX at all. this is fraud and should be stopped please help
04/25/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • CA
  • 93458
Web
I was sued last year with lies on the dates Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX division. Case # XXXX, we ended up setting trial dates and a week before trial they dismissed case. The date of last payment was on XX/XX/XXXX of XXXX, they keep on saying that it made a payment in XXXX so the status of limitations would not be applied. Now they are using the date of XXXX for the collection when the correct date should be XXXX also this collection appeared as the original creditor with correct info.Law states that you cant have one collection twice so I need them to remove this from my credit report for 2 reason the incorrect dates and also it was already on my credit report
09/29/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • KY
  • 40214
Web
Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or one of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
02/09/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34772
Web
I have been requesting Calvary Portfolio to send me a signed document or assignment that I owe their company this debt. To date, I have not received anything from Calvary Portfolio besides a copy of a bank statement. I have been requesting XXXX, XXXX and XXXX to verify the debt and the bureaus have been unable to. The only information I receive back is that the furnisher is providing that the information is accurate. I have attached correspondence dating back from XXXX XXXX, 2016 of disputes regarding this inaccurate information. I am unaware of any assignment of ownership that Calvary Portfolio has regarding this alleged debt. The furnisher has refused to send me the requested documentation.
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48601
Web
Cavalry Portfolio Services Cavalry does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. Cavalry has failed to produce a judgment or the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed. Consequently, Cavalry made false claims to credit bureaus. My birth name is XXXX XXXX XXXX and credit was established as such XXXX. with XXXX and other consumer credit cards prior to XX/XX/2006. My married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.
12/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33322
Web Older American
Cavalry Debt Collectors ( Cavalry SPV I , LLC ) www.cavps.com has been pursuing me for {$320.00} they claim I owe XXXX. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told Cavalry the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.
07/10/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92308
Web
Calvary Portfolio Services is illegally reporting a collection account to all of the major credit bureaus. The account was originally with XXXX XXXX XXXX. We have already paid this account off many years ago. We told Calvary Portfolio this but they refused to verify this or to verify the validity of our debt when the first contacted us. This is in violation of the Fair Debt Collection Practices Act. Also the account is over 7 years old since the breach of the contract. It should not be reported due to the Fair Credit Reporting Act. Calvary is violating FCRA Section 605 ( c ) by re-aging the account to leverage their collection activities. It was back in 2007 that we had problems with XXXX.
01/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29150
Web
I have opened case XXXX with the XXXX in regard to Calvary Portfolio Services and their failings to comply with FDCPA guidelines. I raised a case with the XXXX after Calvary Portfolio services failed to answer my certified mailing for debt validation as prescribed under the FDCPA guidelines. I have sent written correspondence and also raised XXXX case, but this company is still reporting unverifiable inaccurate information. They initally stated that they did not get correspondence from me and only after providing my certified mail number did the state that they did send validation, which I never received. I would like to escalate this case and have legal action taken against this company.
12/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28411
Web
Calvary Portfolio Services has repeatedly called my work number when the contact number I provided is my cell number. I work in a law firm and they do not allow these calls. CPS called and left messages on my work voicemail on XX/XX/19 at XXXX and XX/XX/19 at XXXX XXXX and called again this morning XX/XX/19 at XXXX XXXX. but did NOT leave a message. Further, I can not communicate with them on my cell phone when I am at work between XXXX XXXX. and XXXX XXXX. I have payments set up with them for my credit card accounts that need to be paid, so there is no reason to contact me numerous times a day every day by phone. It will not change that I am doing all I can do to resolve the accounts.
03/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 188XX
Web
Cavalry SPV I , LLC through its lawyers XXXX XXXXXXXX XXXX garnished my bank in XX/XX/XXXX and again in XXXX for money not owed to them. I had petitioned the Court to strike the Default Judgements XXXX XXXX XXXX. obtained without notifying me with a required Certified Mail 10 days notice. Both petitions were granted for the Judgements to be striken. However, XXXX XXXX XXXX still did not reimburse me for the {$250.00} fees I lost due their attempts to steal from my bank account. It caused me to suffer {$250.00} in loss for non refundable bank fees and have refused to repay it. They also damaged my Credit Report and have refused to compensate me for the damage on my reports since XXXX.
05/01/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32940
Web Older American
On or about XXXX , 2017 I was informed that I had to appear in court on XXXX XXXX , 2017 to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company Calvary SPV I LLC and a ttorneys XXXX , XXXX and XXXX knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30329
Web
I am submitting this complaint to CAVALRY PORTFOLIO SERV due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
10/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33543
Web
After receiving collection notice dated XXXXstated that I owed and original creditor " XXXX XXXX '' ( which XXXXis still reporting as opened. ) I then responded to Cavalry Portfolio Services requesting the Validity Of this debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I requested was the debt assigned to a debt collector or purchased? None of which was answered. I only received a letter stating this account is now subject to resumption. The letter I sent via certified mail and return receipt was sent XX/XX/2023 and received by them XX/XX/2023. I also filed a complaint with The XXXX Complaint # XXXX I want this removed from my credit and all XXXX bureaus.
07/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 73505
Web Servicemember
I recieved a credit alert that a new collection account was added to my consumer report. This is a fradulant account that needs to be removed immediatly. I have never consented to any reporting plus i have never recieved notice of a debt prior to reporting. I dont know the compa y reporting or the " original creditor ''. I would like a XXXX XXXX. I need more information about how this company aquired this fraudulent account, how much they paid for the debt, and the full accounting in accordance to GAAP. This company is also infrinding on my copyright. This will serve as notice given. Continued use of my property will be consided knowingly and willfully. I will not tolerate this.
08/23/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85014
Web
DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.
04/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60031
Web Servicemember
On XX/XX/XXXX I sent a returned receipt and certified letter to Calvary, XXXX XXXX XXXX, XXXX, NY XXXX. My request is to validate that I owed these accounts. In returned they sent me a letter dated on XX/XX/XXXX without any validation. They indicated " they have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow them to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, they are unable to investigate the dispute pursuant to the FCRA. '' In addition to provide more details. ( see the letter that it was sent which included all of the details I was requesting ).
03/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 105XX
Web
I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with Cavalry Portfolio Services LLC. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. Reference Number XXXX Court Circuit Court Date Contact details provided is : XXXX XXXX, GA XXXX XXXX -- Status Filed Amount {$2100.00} Classification Legal Item Type legalitems
07/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90046
Web
Never received letter from debt collector and found out about alleged account via credit monitoring service. I called to request validation and was hung up on. I sent a validation request as soon as I learned of account via regular mail and never received a response. I re-sent the letter again both via regular and certified mail ( 30 days after original mailing and no response ), confirmed that they received it, and have not received a response for well over 30 days after receipt of second, certified request. Debt collector is in violation of the FDCPA and I reserve all rights to seek damages under the FDCPA, for defamation of character, and all other avenues available by law.
02/27/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02909
Web
I got notice of this debt via calvary portfolio by mail one time, the paperwork had no information about where this debt came from. I tried resolving this by contacting calvary portfolio directly and they told me that they didn't have any records of the debt at the time which left me in a position to not be able to track down where this is coming from. However, on my credit report calvary portfolio is still showing up as a derogatory collections mark and is hurting my progress trying to rebuild my credit. I have no knowledge of where this debt is coming from or what it could be and its been almost a year or more of this negative mark keeping me from improving my credit score.
08/27/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • NC
  • 27886
Web Older American
I was sued in Virginia for a debt that has passed the statue of Limitations in the state I live in which Is North Carolina. I never received any notice of a pending lawsuit until after it had went to court in Virginia. I then started getting garishment notices from a woman i was dating in Virginia. I have consulted with a lawyer but can't afford to hire one as i am on social security XXXX i was informed it not legal to sue someone in a state where they don't live. My legal address is XXXX North Varolina.They are trying to get around the statue of limitation by sueing me in Virginia when they know my residence is North Carolina.Any help you can give me is greatly appreciated
01/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72756
Web
I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX XXXX but some how this account when to Calvary. They reported to my credit report. I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.
08/01/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • VA
  • 23238
Web Servicemember
THE FCRA, Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account states on my credit report that it meets FCRA requirements when it does not. The collection agency have been requested in writing to validate this account in which they have not.
09/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NY
  • 11226
Web
I have received a letter from XXXX XXXX XXXX with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX which purchased the debt from XXXX XXXX credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXXXXXX and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXXXXXX New York state collection law is seven years.
01/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MA
  • 02021
Web
I got a summons from Calvary SPV, LLC trying to sue me for a debt that is not theirs, I never had business with them, and I am not sure on where they found my info. The last time i got a piece of mail from them I had requested proof from them to show me that they were legally the new owner of the debt as required by CFPB, but no paperwork was never sent. I had a card with XXXX that defaulted when I lost my job back in XXXX and somehow Calvary Portfolio is suing for that debt that is being reported as charged-off on my credit report. I contacted XXXX and was told that the account is charged-off and was counted as a lost on their part. Please advise on what to do. Thanks!
06/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33055
Web
Calvary Portfolio Services LLC Account XXXX XXXX I have a collection notice in my credit profile in which I have never spoken with this company Calvary. For some reason this company has been reporting as a creditor on my file. This company has used my personal information and applied their alleged debt to my credit report. This company sent me paperwork claiming that they are the current creditors. To my awareness this company is supposed to be labeled as a debt collection agency therefore they are using false and misleading information by using coercion-to receive alleged debts. Some of the methods shown below is offering discounts to an increased amount they created.
05/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78640
Web
Cavalry claims to have purchased a debt I allegedly owe from XXXX XXXX. I sent a validation letter from the reference # XXXX The only paperwork they have sent in their collection efforts is statement on a credit card billing cycle. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I am requesting the dates and a signed contract showing I have previous business with this companie. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. I would like them to cease collection activity with regard to this account.
01/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
09/08/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 949XX
Web
I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, XXXX, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.
02/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89123
Web
CAVALRY PORTFOLIO SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
01/19/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12065
Web
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... So this makes me feel like this maybe something similar that their trying to pocket money for a XXXX XXXX I do not recall any loans from this bank
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29678
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nu 1 ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,
07/22/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 331XX
Web
I called so manny times and ask which Acoount it is because XXXX appear as a charge off. the amount that Calvary Portafolio Services is first was {$18000.00} after a few months is {$19000.00} why the amount went up? I called again they said the they can not give me the account number call XXXX. The amount that I own XXXX I don't have any amount with the number that Calvary has it. I just need to know from where comes the amount of {$19000.00} they refuse to give me information from where comes that amount. the account that appear on my report says charge off and no one has that amout.You can check with XXXX how manny times I dispute it asking which account it is
10/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MA
  • 014XX
Web
I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.
07/07/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • IL
  • 60649
Web
The company XXXX XXXX XXXX which is a subsidiary of XXXX XXXX XXXX filed a default judgment against me for credit card debt accrued by defunct company XXXX XXXX on XXXX/XXXX/XXXX. I applied for and maintained a business credit card with XXXX on XX/XX/XXXX before the company went out of business. The debt was accrued XX/XX/XXXX. XXXX XXXX XXXX acquired XXXX in XX/XX/XXXX and this arm became XXXX XXXX XXXX that same year. Since my debt was initiated and established during the existence of XXXX and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as XXXX is attempting to collect a debt of the defunct company XXXX XXXX.
06/29/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 40601
Web
I spoke with a representative of XXXX XXXX XXXX, who are working on behalf of Cavalry Portfolio, to settle the account with a payment arrangement. The terms of the agreement were falsely represented, misleading, threatening, and additional funds were added to the account. I reached out to the company with no response, so I disputed the account information on my credit report but with no changes. I don't understand how terms of a settlement are reached on a recorded line but changed afterwards and it's ok to do. I have also emailed the attachment to the law firm in XXXX, and they never responded until I disputed the account via XXXX. This company is awful!
03/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 322XX
Web
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was deleted from my credit report from all 3 bureaus back in XXXX. " If you discover that an old debt has reappeared on your credit report as a new account or contains inaccurate information about its age or status, it might be because a debt buyer " parked '' the debt on your credit report, or re-aged the status of your debt. These debt collection practices might be illegal.
04/15/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77304
Web
A collection company is listed on my credit profile under the name of Cavalry Portfolio Serv. The amount listed is {$290.00} dollars. It has a collection date of XX/XX/20. I have know knowledge of this account and I have disputed it with the listed company as well as the credit reporting agencies.This item still remains on my credit even after disputing this account and never receiving a response back from the company. As I continue to try to maintain a healthy credit profile, a small collection like this can impact it severly in a negative way. I am requesting that this account be seriously looked into or transfered to the FTC and properly investigated.
07/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94605
Web
I tried to fix this problem with this company on XX/XX/XXXX.I sent him a formal request for investigation for information that is not mine. An invalid item which do not belong to me, was found on my credit report. I've done the hard work, checking accounts against records and this account is not mine. So I want that item to be removed from my credit report.Please help me to solve this issue because it is not fair that this negative item is being reported if its not mine. The accounts I am writing to you about is listed below : 1. CAVALRY PORTFOLIO SVCS account # XXXX, Placed for collection : XX/XX/XXXX, balance : {$11000.00}, status : In Collection.
01/02/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91601
Web
I have contacted Cavalry Portfolio numerous times and they have NOT provided validation for the debt they list on my credit report. They have only written me back and said that " no further collection efforts will be made unless and until validation is provided ''. HOWEVER, they are still reporting and verifying with the credit bureau that this is my debt. I have NO KNOWLEDGE of this debt. This is ridiculous that I have to file a complaint and write a dozen letters only to be ignored and my good credit destroyed by this evil debt buyer. Being ON my credit report IS DEBT COLLECTION! They claim a debt is mine and refuses to prove it. This is extortion!
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07748
Web
I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " CAVALRY PORTFOLIO SERV ( CITIBANK ) '' collection account on the XXXX credit bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account. See attached a screenshot of the account that is not mine.
12/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11374
Web
On XX/XX/2020, CAVALRY PORTFOLIO SERV add a derogatory marks on my credit report per XXXX, XXXX and XXXX. Original creditors : XXXX and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.
08/04/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17603
Web
CFPB disputed an inaccurate account on my credit report with XXXX XXXX After CFPB contacted XXXX XXXX the vice president of XXXX XXXX XXXX XXXX sent me a letter telling me he sold my account to Calvary Portfolio Services and that I needed to deal with them. XXXX XXXX could have easily contacted Calvary Portfolio Services and let them know that the account was open via Identity Theft but chose not to although CFPB sent the police report and all supporting documents to XXXX. I actually think the account was sold after XXXX received first correspondence from CFPB. Please have Calvary Portfolio Services remove this from my credit report immediately.
12/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
The XXXX XXXX XXXX XXXX was hired by the Cavalry SPV I , LLC to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXXXXXX which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX XXXX has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.
05/11/2016 Yes
  • Credit card
  • Sale of account
  • MA
  • 010XX
Web
I am being sued by Cavalry SPV I , LLC, who claim that they purchased an alleged debt from XXXX XXXX. Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Cavalry SPV I , LLC, however, Exhibit A is blank as the accounts were redacted. They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Cavalry, however there is no mention of any accounts.
11/17/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 243XX
Web
My name is XXXX on XX/XX/XXXX I had my credit report ran and saw a judgement against me on XX/XX/XXXX. When I contacted Calvary XXXX ( the agency that filed the judgement ) and gave them the account numbe I was told that this account belongs to someone named XXXX XXXX and that they can not discuss the matter with me. I tried going through their escalation process to have this judgement removed but with no success. My attorney XXXX XXXX XXXX XXXX XXXX even sent them a letter on XXXX XXXX, 2015 and neither he nor I have received a response and the judgement is still sitting on my credit report, and they will not discuss the matter with me or him.
01/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 730XX
Web
I sent Calvary Portfolio a validation letter asking to present all of the Original Account/Loan-Level Documentation ( OALD ), verified under oath and penalty of perjury by the opposite original transacting party in accord with the provisions set forth at 15 U.S.C. 1692g ( a ). I received a response on XX/XX/2022 without the requested documentation. At no time did I provided a non affiliated third party such as Calvary express authorization to utilize my personal identifying information, I also never gave prior consent to the debt collector to communicate with myself in connection with any debt. I feel that they are in violation if the FDCPA
06/19/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • XXXXX
Web
CAVALRY PORTFOLIO SERVIC mysteriously added a negative account to my credit report. I monitor my report carefully. They date of the negative debt was during a time that I was traveling and I have not opened any accounts or new credit cards this year. They never appeared on my credit report until a few days ago claiming I was late on making payments. I believe they must have gotten my information when I applied for a car. It crashed my score by 50 points and now I have to pay almost an extra 100.00/month because of the information they placed on my credit report. I never did business with them nor do I have any missing accounts off my report.
08/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90640
Web
Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and Cavalry is not following the law by not providing proper proof to consumers in which they wish to collect from.
04/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33322
Web Servicemember
I have been complaining for a year to XXXX, XXXX that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. XXXX wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called Cavalry. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.
06/18/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 840XX
Web
This is a debt that until recently I found out was actually under XXXX XXXX XXXX and was sold to XXXX XXXX in XX/XX/2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( XX/XX/2013 ) there was evidence of deceptive credit enrollment practices by XXXX XXXX XXXX and XXXX XXXX of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. See : XXXX XXXX XXXX
12/27/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 337XX
Web
XXXX XXXX XXXX is attempting to collect on a debt for their client Calvary Portfolio Services. This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.
05/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30096
Web Servicemember
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. When I attempt to login to Cavalry 's website and see what this is about I get an error message saying I need to contact another company. Meaning Cavalry no longer has control of the alleged debt : yet it is still reporting. I have received no communication from the other place which is alarming to me.
02/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90221
Web
I have made several attempts for Cavalry Portfolio Services LLC to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. XXXX lost/never cashed check. I tried to request that they waive penalty fees and they refused. XXXX XXXX XXXX sent a settlement letter which was again paid by escrow company. Check was cashed by XXXX XXXX and I shouldn't be punished for their error. This issue has been going on for two years and is causing me financial harm.
04/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38016
Web Servicemember
Cavalry his illegally garnished my wages. The debt in question is not mine Cavalry his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of Cavalry SPV I LLC negligence to verify and to notify the account or me. I lost my one match donor out of XXXX XXXX donors for a XXXX XXXX and must do the search over for another donor that matches due to Cavalry Portfolio Services , LLC unjust/unfair practices.
09/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10462
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
11/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30114
Web
Cavalry SPV, LLC is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per XXXX XXXX XXXX XXXX ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my fico score and causes defamation of my character. Cavalry sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX
06/09/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • SC
  • 29483
Web
I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.
09/22/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • OH
  • 437XX
Web
I recently tried to sell the home I own at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, and during the sale, I was informed that Cavalry SPV1, LLC had a lien secured against the property for a credit card my ex-wife failed to pay. As a result, I have reach out to Cavalry SPV 1, LLC over 5 times in an attempt to obtain the payoff of this lien that is need to ensure the transfer of this property occurs and the lien is paid off, however, Cavalry SPV1 LLC refuses to provide the payoff need and continues to accural interest because they will not provide me with the information need to payoff and get the lien removed from my property.
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 240XX
Web Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Calvary Portfolio Serv XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
08/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 544XX
Web Servicemember
Cavalry Portfolio Servic is reporting that I owe {$3500.00} to XXXX. I called XXXX, who I never had an account with and tried to find out what was going on. XXXX checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. XXXX said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to XXXX as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93662
Web
XXXX XXXXXXXX Balance : {$0.00} CAVALRY PORT XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
02/08/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • MD
  • 20748
Web
I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.
02/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29483
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
11/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49504
Web
Debt buyer has violated the Fair Credit Reporting Act ( FCRA ) by attempting to collect an alleged debt when the company Calvary stated around XX/XX/2020 that they would cease and desist all attempts to collect the alleged debt. The debt buyer has refused to be removed from my credit reports and has violated my privacy, defamation of character, and assuming that the debt was not disputed within 30 days makes the debt valid. This is not true and violates both the Fair Debt Collection Practicing Act ( FDCPA ) and ( FCRA ). The debt collector must remove themselves from all three credit reports that is XXXX, XXXX, and XXXX.
08/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • XXXXX
Web
I was taken by surprise upon receiving this communication, as I have no prior knowledge of any outstanding debt involving Cavalry Portfolio Services. The letter I received states that there is a debt in my name and provides some details, but I am uncertain about the validity and accuracy of this claim. The original creditor is XXXX. They were reporting this on my credit reports in the past but they took it off. They are still contacting me through mail. It started in XX/XX/XXXX. The last letter was sent to me on XX/XX/XXXX. The account is XXXX. It's to my belief that it has been credited to them as a loss to the IRS.
07/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43214
Web
This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
06/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21225
Web
on XX/XX/2018 XXXX XXXX remove account XXXX for my Credit report .in less then a month later Cavalary Portfolio Serv , place back the same Account IDisputed with XXXX for Fraud, back on my Credit report. In which was remove by XXXX XXXX after I disputed FRAUD on my account, I also told Cavalary Portfolio Serv which failed to take the necessary action against this account .they have failed to investigate and check my Credit report that there is a Fraud alert on my reort for my Protaction as a customer. this account was open by fraud. I dont know why this company in less than a month place this back on my credit report.
05/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 766XX
Web
Numerous ( missed ) phone calls weekly from Cavalry Portfolio Services which began XX/XX/2023. These calls were not answered due to my sleep habits of working night shift. I researched company in curiosity and discovered it was a debt collector. My information was recently compromised in XX/XX/2023. I have no knowledge of authorization of my personal information in attempt to collect debt. Please have documentation, with wet signatures, sent for verification. If Cavalry Portfolio Services is unable to provide requested documentation with regard to federal laws please remove information from credit report immediately.
05/19/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web Servicemember
Failed to supply sufficient documentation of a debt they are attempting to collect in accordance with the Fair Credit Reporting Ac t, Section 611 ( a ) ( 6 ) and ( 7 ) res ulting in adverse reporting to the major credit bureaus and my denial of credit. I have contacted the company multiple times in writing without receiving a satisfactory response. I have researched their histo ry. Cavlary 's Consent Order with the State of Arizona ( my prior residence ) requires positive improvements in how they conduct business. This has not proven to be the case as they continue to fail to disclose properly and timely.
03/28/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • XXXXX
Web
Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
01/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 119XX
Web
Hi I tried for 7 years to resolve this issue with XXXX. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement. I've called and written to them 11 times. They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.
10/21/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32708
Web Older American
THIS IS A COMPANY OUT OF NEW YORK THAT I DO NOT KNOW AND HAVE NOT OWE THEM XXXX XXXX XXXX AND CONTINUES TO CALL MY CELL AS IF I OWE A DEBT TO THEM NEVER HAD ANY DEBT WITH THEM AND NO ONE THEY ARE AFFILIATED WITH JUST A PHISHING COMPANY TRYING TO PEND AN DEBT! THIS IS THE WORST NAMERICA CAN GET WHEN THIS COMPAINT VIOLATES THE FAIR CREDIT REPORTING ACT CONSTITUENTLY NO LETTER, CALL AFTER XXXX ON WEEKENDS AND RING MY CELL PHONE TRYING TO SCAM MONEY FROM AMERICANS THAT DO NOT OWE THEM AND NO ONE ELSE A DEBT. I DO NOT OWE XXXX XXXX XXXX TO ANYONE IN AMERICA! THIS CAVALRY PORTFOLIO IS NOTHING BUT A ROBO CALLING ID THIEF!
06/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • FL
  • 33458
Web
Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from XXXX. This was the first time I was notified of this and right now, I am unemployed, so I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in XXXX XXXX County, Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.
08/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21075
Web
I have been actively disputing Calvary Portfolio Services with regards to a debt that I do not owe. I have asked for verification of debt and only received a copy of a payment statement which does not constitute verification of debt. I was placed on probation as my security clearance is at risk with my job, I was given 90 days to clear this matter. Calvary Portfolio Services stated that I owe {$610.00} according to my credit report dated XX/XX/XXXX. I've written letter after letter and still have not received any verification bearing my signature and a contract stating that I owe Calvary Portfolio Services a debt.
10/25/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33064
Web
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
04/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77070
Web
Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
06/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31792
Web
1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me. 3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me. 5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.
06/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 212XX
Web
I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.
04/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92672
Web
I checked my XXXX XXXX and noticed a collection opened by Cavalry Portfolio Service on XX/XX/XXXX in the amount of {$1500.00}. They never contacted me about this debt via phone or mail to tell me about this debt they are trying to collect. I sent them a Debt Validation Letter on XX/XX/XXXX to verify the debt via certified mail with USPS. On XX/XX/XXXX XXXX sent me a letter of dispute and said that they would write me again in 150 days. On XX/XX/XXXX Cavalry sent me another letter with the verification of my debt. They did not provide me with all of the validation requests I had requested in my original letter.
06/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55311
Web
I want you to take a look at the Correspondence of your so called attorney office when they cease and desist and return the debt back to you! They were trying to collect for you I need for you to tell me what rights did you have to collect on this erroneous account and place this item on all reporting agencies After your law firm understood orders and stopped all collections and return it to you? did they advised you of the noticed to cease and desist? Yes they Did this is exactly why Im coming after you for violations. Please send me a copy of what crawly law firm sent to you and upload it to the CFPB website
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48044
Web
I am not swayed that Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
07/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 453XX
Web
My wife has a credit card in her name originally from XXXX I believe that has a balance of roughly {$7000.00} from back in XXXX - XXXX . Cavalry Portfolio Services in NY has supposedly purchased the debt from another company and is is trying to collect the amount owed through, what we believe, unethical/illegal means. They have contacted her uncles, parents, etc. to try and reach her. Now we have received a couple unsolicited letters in the mail from attorneys stating they can help resolve this debt that, according to court records ( who know where ) has been filed with Cavalry 's attorneys for lawsuit.
08/24/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19023
Web
Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC XXXX.
02/20/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92647
Web
Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it
05/18/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 014XX
Web
I had a credit card taken out under my name and the debt was charged off by the creditor. i put a dispute for this debt on my credit report several years ago and officially responded several times to the collection company that the debt is not mine. I asked several times for proof with an application and statements that this debt is mine and they have refused to provide this to me.They continue to harass me an are trying to take me to court for this. I have taken all of the necessary steps to let this collection company know that this debt is not mine and they are still harassing me. This needs to stop.
08/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30342
Web
On XXXX XXXX Cavalry Portfolio Services add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Cavalry Portfolio Services did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Cavalry Portfolio Services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
04/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91913
Web
I have never had a contract or agreement with Cavalry Portfolio Service. The company has not provided verifiable proof supporting validity of a debt they are attempting to collect on. Although Cavalry has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with a credit inquiry dated XX/XX/2017 that I never authorized or consented to. These appear to be violations under the Fair Credit Reporting Act.
07/04/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10301
Web
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX this is an account that I owe to XXXX XXXX what is the wrongful practice that above collection agency doing? They have practice of renewing " Newly Reported Date '' so the account stays in the burrowers credit report for indefinite period of time. Which in return this debt won't fall off after 7 years. This month they reported again as new debt collection, XX/XX/2022. I'm not the only victim here. Very aggressive debt collector. Bought debt off of XXXX XXXX now trying to maximize the book for themselves. Do something.
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75050
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
08/17/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 294XX
Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
07/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11234
Web
I have received correspondence from a company called Calvary SPV I, LLC. Their correspondence claimed a debt that may have allegedly been owed using my name. This corporation then proceeded to file an alleged debt on my credit report without my consent. I asked XXXX XXXX to provide me with an original contract with my wet ink signature that has obligated me to pay any alleged debt. She has failed to provide any. There is no contract signed in my name that binds me to this Calvary SPV I, LLC corporation. This has led me to believe that Calvary SPV I, LLC and its agents may be operating in fraud.
06/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19132
Web
While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX. I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. Years later XXXX, XXXX XXXX XXXX, XXXX, CT XXXX - XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).
06/10/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 147XX
Web
Cavalry Portfolio Services its being reporting a debt I dont own! To the three credit report agencies XXXX, XXXX and XXXX When asked for contract proof with my signature every time I received nothing just came back verified but not proof that in fact the debt is mine am been disputing this collection since XX/XX/2019 and every time I dispute it the dont send me any proof and keep reporting to the credit bureaus I want the outcome of this to be deleted from all three mayor credit bureaus above as what this company is been doing is affecting my credit that am trying or in the process to buy a house!
04/22/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15102
Web
XXXX XXXX XXXX is trying to collect on a Debt that they have Changed the Date to a Newer Date and they made XXXX Debts into claiming that they is now XXXX Debts. There were only XXXX Debts and they were from XX/XX/XXXX-XX/XX/XXXX and now they claim that there are XXXX Debts and they are the XXXX duplicates.. I called them and told them they were the same Debts and they told me to pay all XXXX of them or they would have me arrested. Contacted XXXX and they claim they are valid, But never did any research on any of the debts or they would have clearly seen they are the same debts and are " re-aged ''
03/19/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84041
Web
This is in reference to allegations put forth from XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 2. I paid the full amount of XXXX on a purchase that was only XXXX. 3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years. 4. Under this my payments never went down. XXXX never sent notice that this was what was happening. 5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.
10/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 482XX
Web
I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with CAVALRY PORTFOLIO SERVICE. This Catastrophic error and negligence on behalf of CAVALRY PORTFOLIO SERVICE is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.
06/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WI
  • 546XX
Web
A third party debt collection agency, Cavalry XXXX XXXX XXXX XXXX , NY, is suing me for {$6800.00} which they purchased from XXXX . The last payment I made was over 6 years ago, past the statute of limitations. I am XXXX and my net worth is less than {$75000.00} and I understand that they can not collect from me according to Wisconsin law. I do n't think that this should even go to court and I do not deal well with this kind of hassle in my life.

Th e Law firm they are using is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX , XXXX , WI XXXX Thank you.

06/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 080XX
Web
When I was first contacted by the collection company I responded within the 30 days to verify the debt I also asked to stop the phone calls that were repeat it every day seven or eight times a day. After they received the notice I did not receive validation to show that they owned the debt. The repeatedly called using different numbers and when I answered they would hang up. Under the fair debt collection practices act what they have done is harassment and this is why I am filing a complaint. Also after sending them a debt validation letter they did not remove anything from my credit report.
07/13/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92105
Web
I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
08/18/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08610
Web
This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''
08/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92311
Web
CAVALRY PORTFOLIO ASSOCIATES - This collection agency has been reporting inaccurate information on my credit file since XX/XX/XXXX, violating my credit rights. I have made an attempt to contact the collection agency and they are not responding to my dispute. I do not owe this amount that were stating for {$3900.00} and {$670.00}. More importantly the collection agency were not able to provide me a validation of the debt even though I have requested this multiple times since XX/XX/XXXX. This is a clear validation of my credit rights, a degradation of my character, and a violation of FCRA.
10/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32836
Web
I am filing a complaint about a scam debt collection agency named Cavalry Portfolio Services , LLC. I looked up the address ( XXXX. XXXX XXXX, XXXX, NY XXXX ) on the Better Business Bureau site and it came up invalid. There is also another address to make payments ( XXXX. XXXX XXXX, XXXX, AZ XXXX ). I received a letter from them asking for {$6200.00} for a XXXX XXXX XXXX / XXXX XXXX XXXX account ( XXXX ) that I 've never had or owe. I would never make a payment as they ca n't fool me. I feel this agency definitely needs to be investigated as I do n't want them to scam innocent citizens.
07/14/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33558
Web
I have asked XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
10/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • XXXXX
Web Older American
XXXX XXXX XXXX : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XXXX nor XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.
10/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • XXXXX
Web
Cavalry Portfolio Services proceeded to place a collection item on my credit report for their client XXXX without ever sending a notice of right to dispute. I contacted them several times to delete the adversely reported item and they refuse to do so. I requested validating information identifying me as the owner of this account and they have not been able to send me anything that indisputably identifies me as owing this debt to XXXX yet outright placed the item for collection on my credit report. I demand the immediate deletion of this adversely reported item on my credit reports.
09/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30324
Web
On XX/XX/XXXX after speaking with Mr. XXXX one of the managers at Calvary portfolio, this account was settled for the amount of XXXX and paid. As agreed upon The information would be deleted from their account as well as all XXXX Credit report bureaus. This was reconfirmed with two other Calvary employees, their names are XXXX XXXX and XXXX XXXX. I was also emailed a letter stating the account has been paid and per their policy which is located on their site once the account has been paid they are required to delete the account and request it be removed from all 3 credit bureaus.
07/06/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Reinserted previously deleted info
  • VA
  • 22206
Web
There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
03/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19136
Web
XXXX Credit Card service and their customer service aren't professional when dealing with their customers. I have paid this credit card off. They keep calling me to pay it when its paid and settled. This is impacting my credit score. I've tried to solve this problem on my own but they do not assist me. The amount that I'm in collection from XXXX is {$750.00}. I paid this back in year of XX/XX/2012. The account was settled for {$450.00} paid off. I never received a letter stating my account was paid off. They wont help me but they keep calling to get their money which already did.
10/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33326
Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAVALRY PORTFOLIO SERVICES , LLC. ( XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
06/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21244
Web
Cavalry SPV I LLC ( Attorney 's Firm : XXXX , XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , MD XXXX ) already collected a full judgment amount associated with a case number XXXX and sent me a letter " Satisfaction of Judgment '' back to XXXX XXXX . However, Cavalry has n't filed a Satisfaction of Judgment form with XXXX Court for XXXX County and the case still opens. In addition, Cavalry has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.
07/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • XXXXX
Web
Cavalry SPV I , LLC gave an old, out of statute and industry standard debt to XXXX XXXX XXXX to try and collect. XXXX per CFPB compaint # XXXX has agreed the debt is not collectible and has returned the account to Cavalry SPV I , LLC. They now need to close this account, as it is illegal, unethical, and bad business in general to try and collect this debt. They know they can no longer report the debt to credit reporting agencies as it has been removed from ALL credit bureaus. This was an ILLEGAL attempt to subvert law and industry standards to collect a debt that I do not owe.
07/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29407
Web
Cavalry Portfolio service had put a debt collection on my credit not once but two time for two different amount for XXXX. Now I only had one account with XXXX years ago, which has be written off and has been removed from my credit report by XXXX!! I think it was 2 years ago. Cavalry portfolio service has put on my credit 2 times a debt from XXXX for 2 different amount!! One for {$2100.00} and one for {$1200.00}. I only had one account with XXXX!!! Years ago and again XXXX has removed everything about them from my credit years ago. Thank you for any help to resolve this matter
12/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37312
Web
OnXX/XX/2020, CAVALRY PORTFOLIO SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
03/29/2023 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MI
  • 48642
Web
After paying timely on all payments I became permanently XXXX in a few years of owning the car. I knew I had XXXX insurance on the car or else I would have never bought it. I paid extra for that insurance. Instead they denied it... but fired the salesman who was caught frauding the customers. They had my car towed and gave me no paperwork of where my car was going or an Auction date. Plus, they know I have XXXX and my son is joint on my bank account. They have been stealing his money now for two years. After he deposits his state check for taking care of me they swipe it.
02/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 217XX
Web
Calvery Portfolio has reported inaccurate information to the credit bureaus, the original debt occurred in XXXX, Calvery Portfolio purchased ( {$610.00} ) it from original creditor ( XXXX ) and said that the account was opened in XX/XX/XXXX which is an out right lie! I contacted Calvary portfolio in XX/XX/XXXX and was told that they had verification of the original debt that was supposed to be mailed to me, they never mailed documentation and they continue to report inaccurate information to credit bureaus, they have a recorded conversation from a past phone call. Thanks
08/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10452
Web
I request a order to show case after I received a ganishment notice by a company called Calvary Portfolio Recovery. I never Knew about this debt. after sowing to court and challenge the attorney to very the debt we got schedule to trial on XX/XX/XXXX, XXXX on XX/XX/2019, I express that the day they claim such credit Card was open I was traveling to XXXX XXXX XXXX The attorney Representing the Company Vacated The case however this debt still showing in my credit Report. Here is my Question this debt was not verify how can I get it verify or remove from my creit report.
08/09/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 564XX
Web
Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.
03/30/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • TN
  • 37311
Web
I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it
09/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33169
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # XXXX dob - XX/XX/XXXX You are in Direct Violation of The Fair Credit Reporting Act ( CAVALRY PORTFOLIO SERVICES - XXXX XXXX XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.
03/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11003
Web Older American
COLLECTIONS / CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL . THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2:THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL c
06/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38115
Web
There is a attempt to collect {$350.00} credit report update XX/XX/XXXX as collection/charge off this a collection agency. They say the original account was opened in XXXX. There is no reflection of this account on my credit report prior to there claim to collect. Other then this charge I have zero negatives on my credit report. They have not provided me with the original account information where the account was opened and it has also reached the term limits for Tennessee law to collect this debt. I would like this negative removed immediately from my credit report.
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33063
Web
Cavalry Portfolio Services agreed to a settlement agreement and agreed to term and conditions, payment monthly terms and but still placed the collection account on all 3 credit reports. They agreed to the payments and balance agreed but yet placed a collection on all 3 reports for the original amount.I have disputed this with all three reporting agencies and they still wont remove it. That is not right and this needs to be removed they agreed to the settlement and terms and should be held accountable. They need to remove it from all three credit reports immediately.
07/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 743XX
Web
I have sent letters three different times asking them how they have verified the debt is mine and told them the debt is invalid but they will not provide proof or remove it from my credit report. They were submitted to Calvary Port collection agency regarding 2 XXXX accounts. One is for {$1500.00} and the other is for {$8100.00} 1st dispute letter sent XX/XX/XXXX they claim they verified debt but sent no proof on XX/XX/XXXX 2nd dispute letter sent XX/XX/XXXX once again claimed it is verified but no proof XX/XX/XXXX 3rd dispute letter sent XX/XX/XXXX and no response
06/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19711
Web
I have been charged with owing money because someone used a credit card issued at XXXX XXXX through XXXX in the amount of more than {$3400.00}. This was from 2017. I have not had an account with XXXX since the XXXX and have never had an account with XXXX XXXX. I have contacted XXXX and XXXX XXXX, and both have no information about me, but the debt remains on my record. Neither XXXX XXXX nor XXXX is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through XXXX has asked me to file this report.
03/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01109
Web
CAVALRY PORTFOLIO SE has been contacting me over the phone numerous times in attempt to collect a debt that is not mine. they have filed a collection and ruined my credit score. i have spoke with them over the phone and told them the debt is not mine, and the are refusing to accept this fact. They don't have any proof in the form of a signed contract with the original debt holder which claims i owed them money, nor can they tell me how, when or where any payments to the account have been made. i would like this debt removed from my report and the harassment to stop.
02/26/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33023
Web Older American
My name is XXXX XXXX. I have an account with XXXX XXXX. I received notification from them on XX/XX/2018 that there is a new collection account on my equifax report for which I have no knowledge. The Company is Cavalry Portfolio Services. I have not been contacted by any means and totally dispute the validity of this alleged unless and until I am provided with proof of the debit and the opportunity to verify or dispute I am requesting that this negative mark immediately be removed from my XXXX Credit Report. I have not contacted Cavalry but have disputed with XXXX.
11/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 77449
Web
This is a HIPAA Violation. On XXXX someone called me from Cavalry Portfolio Services stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
06/23/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08012
Web
I 've had issues with cavalry portfolio services. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.
06/27/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 96003
Web
I have repeatedly requested verification of the amount this debt. They have repeatedly told me that they would get it right in the mail. At one point, we negotiated a settlement on the account, and I asked once again for verification of the debt, prior to sending a check. They never sent me the information. Evidently they are n't able to verify this information. In the beginning, I tried to get them to send a monthly statement of account and they refused. I called and tried to work with them to no avail and I do n't want to end up paying for debt that is not mine.
02/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78223
Web
On XX/XX/XXXX I disputed two items on my credit report as they did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. On XX/XX/XXXX I received notice from Cavalry Portfolio Services LLC regarding both disputed accounts confirming they were reporting correct information and attached a monthly billing statement for the account from XXXX. This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative.
06/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 115XX
Web
CAVALRY PORTFOLIO SERVICES # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. SOME TYPE OF PROOF OF OWNER I request that CAVALRY PORTFOLIO SERVICES Provide verification of the following a itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAVALRY PORTFOLIO SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
11/10/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 647XX
Web Servicemember
Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19116
Web
Cavalry Portfolio, a debt buyer, is reporting two items to my credit bureau, lowering my score. The original creditor, who I had history with and on time payments at one point, sold my account. Cavalry then placed this on my credit as a chargeoff, as if I never had any positive payment history. This is false and misleading. They did this for one reason, to get paid! This is infair and unjust! I have worked out an agreement, but this should be removed immediatley. to use my credit bureau against me, like a weapon should be illegal and moving forward prohibited.
11/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 49441
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. CAVALRY PORT XXXX Balance Owed : {$4200.00}
09/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 94109
Web
On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.
08/14/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MO
  • 65804
Web
On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.
11/04/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AL
  • 350XX
Web Older American
XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.
04/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11590
Web
This charge was a fraudulent transaction that was never authorized by me. The original creditor XXXX should have never processed this charge from a car rental company without my consent. I have contacted XXXX on many occasions to dispute the transaction and they have done nothing to resolve the issue. Instead, they hired Cavalry Portfolio Service, a credit collection agency to pursue the debt. I would like XXXX to remove this balance from my account and from my credit report altogether in the interest of justice, according to the Fair Credit Reporting Act.
06/30/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 95630
Web
Company continues to attempt to collect on a debt erroneously placed for collection AFTER original account balance was discharged in bankruptcy. Company continues to report account to credit reporting agencies, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites ; have contacted this creditor directly via telephone and certified mail. Requesting company to immediately halt collection efforts and have all information regarding this account removed from credit report.
02/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • AZ
  • 85041
Web Servicemember
I am writing to see if I can do anything about Cavalry Portfolio Services. In XXXX I co-signed for my son to purchase a car ; unfortunately it was repossessed the same year. I did not hear anything else about this until I tried to refinance my home in XXXX. At this time I have found out that the Title to my home has been attached by Cavalry since XXXX for the loan and the debt has been gaining interest and now I owe {$21000.00}. I was never contacted that this debt existed, and I was never served with a complaint. What can I do. I believe this is a crime.
08/06/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60653
Web
I have been cleaning up my credit report all year, and I get a notification that a collection acct been added to my credit report to my knowledge I never heard of this company, Calvary collection agency stating I owe XXXX which I asked what company this debt coming from. XXXX XXXX XXXX dropped off my credit report because I paid and they agreed to delete and turned around BBB and sold my paid to deleted acct that was removed to XXXX collection agency, I was n't notified about this action of selling debt off my debt that a previous agency agree to delete.
09/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11722
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
04/02/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33511
Web Servicemember
Called Calgary Portfolio to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. Made several attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX and have had no success. Even though Calgary Portfolio says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28173
Web
There is a credit card that went into charge-off status in 2017. This has not been on my credit report in a few years from the original Creditor ( XXXX ) due to the North Carolina Statute of Limitations. Just recently a collection company popped up noting the debt as new and demanding payment. I called and tried to discuss with them, but they refuse to remove this. I have checked with North Carolina law and have been advised that this is absolutely passed the statute of limitations and this creditor is illegally trying to collect and running my credit.
03/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • XXXXX
Web
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.
11/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30238
Web
Dear XXXXXXXX XXXX XXXX CALVARY PORTFOLIO SERVICE, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
06/20/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 31404
Web
I originally had an account with XXXX XXXX back in XXXX, I filed for chapter XXXX, and that account was included. While the ch XXXX was underway, the original company sold this account to calvary portfolio service. My bankruptcy was successfully discharged as of XXXX/XXXX/XXXX. Recently, last week calvary portfolio began sending me collection letters AGAIN, offering me a settlement which violates my terms of my chapter XXXX case that was completed. I will included my discharge letter, a page from my credit report and the original account information.
05/27/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92545
Web Older American, Servicemember
XXXX repossessed a XXXX sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. XXXX sold this account for pennies of the dollar to Calvary portfolio Services of XXXX New York acct # XXXX wo called me at home atd told me I was a XXXX who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. XXXX did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only XXXX but not XXXX
01/25/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
A couple of weeks ago a woman who did not provide me her name handed me paperwork from this company that had legal documents from XXXX XXXX California. I waited a couplt days later for the actual documents some they have to send them through mail as well. Im not sure how this woman got the address since that is not my mailing address. I believe that this woman either hacked my email or had a copy of my social security number. Through a third part that o used and provided them with my personal account information for apartment I was trying to rent.
07/19/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80904
Web Older American, Servicemember
Call date/time : XX/XX/XXXX, XXXX XXXX The caller ID shows " Cavalry ''. The phone number was XXXX ( call back number is the same with extension XXXX per voice mail ). A female voice ( name is XXXX XXXX ( sp.? ) stated she needed help locating " XXXX XXXX ( sp.? ) ''. There is no XXXX XXXX at this phone number or our home address ( my wife has lived here since XXXX ). We do not know any XXXX XXXX. We are also on the Federal Do Not Call Registry with this number. I am aware of at least one other call from this company, perhaps six months ago.
11/13/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 07017
Web
I recieved written communications from a lawyers office which proves nothing as to ascertain proof that this account is 100 % accurate and is owed. I only have a copy of statements but where I'd my hippa form, my signature, my social and/or copy of identification? You are saying I owe {$730.00} but have proved nothing. I still don't have a copy of your license to collect in NJ, a signature, a copy of a signed hippa form or my social. Games need to stop being played and either provide all the information I asked for that you must furnish or delete.
03/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OR
  • 97233
Web
XX/XX/XXXX XX/XX/XXXX Company or " law firm '' I believe to be XXXX XXXX representing the creditor has threatened lawsuit and damaged credit with multiple accounts/inquiries. Charging more than the original debt. An attorney from California ( XXXX attorney name and address was based in California ) filed a complaint with the state of Oregon as of XX/XX/XXXX. XXXX XXXX suggested filing an FRCA Complaint if the acronyms are correct. I am being forced into bankruptcy because of outstanding balances. There is a 2nd party on some of debt in question.
10/28/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 24151
Web
After pulling my credit file and seeing this companies last response to my last CFPB complaint not only are they harassing me but they are reporting the wrong date on my credit file. This account was not open in XXXX. The last activity on it was XXXX when it defaulted. I have uploaded proof they lied on my credit file as well. They need to correct the date when the account was open and it is past the status of limitations as well so they need to remove it. I will be seeing them not o ly for harassing me but for lying and reporting the wrong info.
03/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79605
Web
This company has been sending me letter trying to collect a debt that is to old to collect. According to the debt collection laws of the State of Texas there is a four year limit on debt collection from the time the last payment was made. The last payment on this account was made XX/XX/XXXX. Four years from that date would be XX/XX/XXXX. Here it is XXXX of XXXXThe account is through XXXX XXXX and it is in the amount of {$710.00}. I do have the bank statements from XXXX of XXXX through XXXX of XXXX when the account was turned into collections.
11/25/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • XXXXX
Web Servicemember
I have received two phone calls from Calvary Portfolio Services, on on XX/XX/2020 and the second on XX/XX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for Calvary and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to XXXX and specified amount. I have no mailed notification from this company.
04/25/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29063
Web
Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each one to send me a letter stating I do not have and account with them and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.
12/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75024
Web
I, the consumer, disputed this debt in XXXX of 2020 with XXXX , XXXX. After an investigation, the credit bureau concluded that this account is an error and sent notification to Cavalry Portfolio Services to cease reporting and trying to collect the erroneous account information. Despite notification per the FCRA and removal of the errors by XXXX , XXXX, Cavalry Portfolio Services , LLC has continued to report the erroneous information, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai.
02/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TN
  • 38018
Web
In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.
12/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 16335
Web Servicemember
There is a XXXX XXXX in the amount of {$4400.00}. I had contacted the bank in regards to this matter due to someone finding my wallet with my social security card and drivers license and stealing my identity. This has been an ongoing issue and I can not get this resolved. At this point they are reporting a balance and an account that is open. I had provided them with a police report and a written statement proving that my identity had been stolen. There was no further action taken on their end. This is hindering me from obtaining credit.
04/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 329XX
Web
I need to have my alleged debt with Cavalry SPV I LLC addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
10/14/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 331XX
Web
The company XXXX XXXX XXXX XXXX has sent me a notice of wage garnishment to my parents address not mine. I have checked my credit report and I do NOT see this creditor listed as part of my debt. I do not know what this is in regards to. The complaint is under my maiden name, I got married at the end of XXXX and apparently this was originally filed in XXXX or XXXX which even at this point the debt was too old to collect on. I have had similar situations that have been scams, collectors trying to collect on a debt that is non existent.
02/28/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36867
Web
I sent over three letters in 4 months for this company requesting debt validation. A request was made in pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. As stated in the law, the company did not cease collection activities, in fact they kept reporting to the credit Bureau. To date the only correspondence I have received is a bill, not anything with my signature to validate the debt they believe I owe. It has been more than several months since I place a debt on my credit report and more than one month since I requested validation.
06/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AR
  • 725XX
Web Older American
I received an order from XXXX XXXX XXXX where XXXX XXXX had filed a judgement against me for a credit card debt. In the complaint she threaten to take my social security, she wanted my checking account #, she threaten to get a lien against my home, vehicle, wanted to know my assets, if had any guns, jewelry. I went to the XXXX XXXX XXXX and answered the complaint stating that I only receive Social Security. I sent the XXXX law firm the answer on XXXX XXXX certified receipt requested. On XX/XX/XXXX received another judgement from them.
05/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20772
Web
I received an email from XXXX XXXX XXXX on XX/XX/2022 regarding collecting a debt on behalf of Calvary SPV LLC. I asked them to refrain from contacting me because they did not provide any validation for the debt. I have not heard from them since. I obtained my credit report from XXXX XXXX and it shows that Calvary SPV LLC accessed and put a hard inquiry on my credit report without my knowledge. This was prior to even sending out a notice through XXXX XXXX XXXX. Also, this was done after I put a freeze on my XXXX XXXX as of XX/XX/2022.
05/31/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • XXXXX
Web
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.
11/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33884
Web
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
10/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07013
Web
I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OH
  • 45011
Web
XXXX XXXX XXXX- {$180000.00} has been charged off and closed since XX/XX/2018, and there has not been any activity on this account since then. Please help to have this removed from my credit reports as it is stopping me from purchasing a home for my family. Cavalry Portfolio Services - {$8500.00} has also been charged off and close for close to 5 years now, and there has not been any activity on this account since then. Please help to have to removed from my credit reports as it is stopping from purchasing a home for my family
09/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38128
Web
I AM VICTIM OF ID THEFT. I WAS ADVISED BY THE FTC TO SEND IN MY SUPPORTING DOCUMENTS. TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT FILE. IT HAS BEEN AN ON-GOING BATTLE WITH THESE COMPANIES. THE LAW IS VERY CLEAR TO ME AS FAR AS MY RIGHTS. THEY HAVE FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEFT AND NOT ME. PLEASE CONTACT THESE BUREAUS ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM TO COMPLY WITH FEDERAL LAWS AND RESPECT THE RIGHTS OF ID THEFT VICTIMS.
06/13/2015 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33065
Web Servicemember
I had a vehicle repossessed that was originally financed with XXXX XXXX XXXX XXXX. The vehicle deficiency debt was purchased by Cavalry Portfolio Services. This past Wednesday I had a consultation with a consumer protection attorney and provided all information and paperwork regarding the repossession and was informed that XXXX XXXX XXXX XXXX did not follow Texas state statutes regarding my due process. At the time of the repossession my residence was in Texas but I was XXXX. Therefore the debt should not be on my credit files.
03/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44024
Web Servicemember
My XXXX XXXX XXXX credit card was protected by credit protector, XXXX. When I became ill it should have been paid off. XXXX XXXX XXXX sold as debt to collection agency. Why was it not paid? I calculated monthly safeguard payments by years paid and it was enough to cover debt. The collections company is trying to shake me down for money and filed case in XXXX County Common Please Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. Contact information : XXXX XXXX XXXX
08/21/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94509
Web
To my knowledge I have never had an account with XXXX. I received an alert on my credit and discovered this company has placed a collection account on my credit. Account XXXX XXXX. I have lived at my residence for over 20 years. That said, I have never received a bill from the collection agency or the original creditor. I sent Cavalry a certified letter requesting them to validate the debt- it's been over 120 days. It appears they are in communication with they bureaus alleging the debt belong to me- but I cant get a response.
10/10/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93901
Web
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. Thank you in advance.
05/17/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29483
Web
I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and t he original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the deb t to Calvary Portfolios LLC wh o re-aged the debt to look as if I recently purchsed the vehic le On XX/XX/XXXX whic h is inaccurate and falsified.
05/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 497XX
Web Older American
XX/XX/XXXX XXXX has been trying for sometime to collect from me a bill that has all ready been paid.. This has been going on since XX/XX/XXXX. XXXX and XXXX had this acct first and garnished my check and it was paid, case number XXXX XX/XX/XXXX XXXX district court, Its to XXXX my employer. it i.s setting in my credit report. for a while now. i have sent XXXX court paper and the other company that took care of it. and they still say i owe. i can not pay twice nor will I please help me XXXX XXXX XXXX XXXX XXXX XXXX Thank you
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23452
Web
Case # XXXX - XXXX XXXX account from Cavalry with insufficient validation information case # XXXX. I am reporting this credit application that includes WRONG information. XXXX was unable to verify my personal information prior to their approval. THIS IS A BIG ISSUE AND TOTALLY UNACCEPTABLE. I have requested from Cavalry the exact location of the store where the purchase was made ; Cavalry was UNABLE to provide any information. This collection account on my report is causing me major problems with other creditors.
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19128
Web
My records associated with the account Cavalry Portfolio Services with account number XXXX do not complement with what the Credit bureaus XXXX claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to Cavalry Portfolio Services but I did not receive what I asked and these violations persist on my credit report.
07/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29579
Web
Upon reviewing my Credit Report, I've seen an inaccurate record from Calvary Portfolio Services. On XX/XX/XXXX I've sent them a letter, requesting validation of this debt and ask to stop all collection activities, until such dept is properly validated ( as XXXX XXXX, plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX ). Instead of sending me requested documents, Calvary Portfolio Services replied with just an " account is accurate '' letter ( see file attached ).
03/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55106
Web
To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.
05/28/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22485
Web
I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from my credit report.
11/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10550
Web
On XX/XX/XXXX I pulled a copy of my credit report and noticed Calvary portfolio reporting derogatory information on my credit report. I wrote to them asking them to verify and validate the debt and they respond by sending me XXXX XXXX statement. This is the age of technology and anybody can create a statement. Calvary Portfolio did not send me what I asked for to properly validate the debt which is XXXX a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.
11/14/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32224
Web
I reached out to the company to request validation, however, they kept providing me with letters [ That I have attached ] stating that the account was " accurate '' and requesting settlement completely disregarding my request for proper validation. I would like this account removed as they are in violation of my FCRA rights of reporting an invalidated debt after numerous attempts to request and resolve it. Proof has been attached. I sent disputed in XXXX, Sent a validation in XXXX and sent lettersXXXX, and XX/XX/2021!
02/19/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94117
Web
I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.
06/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 359XX
Web
I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with XXXX XXXX XXXX but they are trying to collect for XXXX XXXX . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.
09/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77373
Web
Date Assigned XX/XX/2018 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERVICES Original Amount Owed {$2500.00} Amount {$2700.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
12/21/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • AL
  • 365XX
Web
Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.
08/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 302XX
Web
I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.
01/25/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95841
Web
I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.
07/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84092
Web
On XX/XX/2022 my employer notified me of a writ of continuing garnishment & instructions for wages to pay back a debt of {$1700.00}. Upon further investigation of my credit history and speaking to someone who helped me fix my credit, this is a debt I have NEVER been aware of, otherwise it would have been taken care of. It has not been on my credit history for the past ten years and I have no idea where they could have found this. The address the collection agency used was one I havent resided in for over ten years.
01/19/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NV
  • 89145
Web
XXXX through Cavalry SPV I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life
05/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TN
  • 373XX
Web
A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with XXXX/Calvary Portfolio
01/08/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85741
Web
Cavalry Portfolio Service is claiming that I owe {$460.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Calvary is a printout of some bill from what they say is the original creditor. When I receive it in the mail I call Cavalry and explain that this bill doesn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill.
05/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33055
Web
This is an alleged debt that doesnt belong to me. This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
09/27/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29212
Web
I called Calvary Portfolio SE and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.
01/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60098
Web
Cavalry collection agency has been sending me letters regarding a debt that is not mine. I have sent them debt validation request letters on XX/XX/XXXX and XXXX, XXXX and they refuse to send me the information required. Instead, they repeatedly state that they verified the information and it is correct, without sending me the actual information which they are required to do so by law. They have reported this alleged debt to the three credit reporting bureaus and refuse to delete this fraudulent information.
05/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91732
Web
I do not owe cavalry portfolio any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. Delete this off my credit ASAP.
10/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93436
Web
Item described by said creditor on my report ( s ) is not mine, I am a XXXX and rarely ever use any other form of payment that isnt cash or a prepaid debit card. According to my mother letters periodically pop up from this company saying this amount is owed and to a different creditor? Im assuming theyre just a debt collection agency. Ive never heard of either in my life and dont want this to keep following me everywhere I go. Whether its to open a new phone line, or attempt to purchase anything on credit.
09/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 464XX
Web
This account is illegally reporting inaccurate information about me with the sole intent to ruin my credit. This collection account is not only listed as open but also saying I owe a past due balance of {$2300.00}. This is a violation of the FCRA XXXX compliant reporting standards. Due to the Inaccuracy of the report and failure to be in compliance I am asking this account be removed from from my account with settled in full and asking for an updated report showing adherence to XXXX reporting standards.
07/28/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • VA
  • 23803
Web Servicemember
I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. Since then the loan has been bought and sold by several other companies. I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.
06/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27262
Web
I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : 08 XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
04/09/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46221
Web Servicemember
I have a debt collector show up on my credit report Convergent outsourcing. I have send 2 letters requesting they verify the debt because its for XXXX. Well I'm a current comcast customer and my bill is autopay and has been for years so I doubt the {$1000.00} is mine. I've disputed it on my credit reports and it just says updated never any proof that it is actually mine. I've never gotten a response to my letters with the verification that it is mine Either. I just want it removed from my credit report.
05/27/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84123
Web
Im trying to fix my credit and this judgement t fron calvery portfolio shows up and the credit counseling company im working with has dine research and called calvary and they cant find nothing under my ssn. Also XXXX police served me a letter and had a warrent for my arrest and inpaid them {$300.00} to no get arrested and i webt to court told them it wasnt me and they told me they were going to investigate and i never heard back from them. I really need this off my credit as soon as possible thank you.
09/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10032
Web
Hello, As of today ( XX/XX/2022 ) CAVALRY PORFOLIO SERVICc is reported a debt collection in the amount of XXXX on XXXX credit reporting agency that I owe them. I have contacted several times through this website and say that I never open any credit card from the originator ( XXXX ), never sing any document, never bought anything using their credit car and never know that a credit card on my name was being used by someone. Yet, they still post a debt that growing ever day and want to collect from me.
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28602
Web
I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
07/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AE
  • XXXXX
Web Servicemember
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.
06/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77091
Web
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
04/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60411
Web
Account number XXXX. My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX. IL XXXX.This company sent this account twiceto my credit report. Its a duplicate accountI have already told them I did not open these accounts. The statue of limitations already ran out and they reported the same account so it can stay in my credit report. I know this is illegal to do. I have request numerous of times to delete this account from all my credit reports. I am requesting for this company to delete this account
07/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 481XX
Web
On XX/XX/2020 a debt validation letter was mailed to XXXX in regards to an account # XXXX. Letter received dated XX/XX/2020. A copy of the original consumer signed contract was requested, A calculation of the balance, documentation that shows this debt was agreed to be paid & a copy of state license & license #. A letter was also mailed to Calvary Portfolio Service. No where in their response was any of this information provided. I am demanded to see the original consumer signed contract immediately.
09/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 851XX
Web
This XXXX account is very old account. I asked them to remove the account from my credit in a dispute foam. Due to the time laps of 7 years of hard times. What was done instead of removing the account from my credit report. The debt collector restarted the clock on the age of the account. This issue needs to be resolved ASAP. But I am on hard times financially. This account affected my credit report for a very long time and needs to be addressed Immediately. Thanks again for your assistance.
09/23/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • TX
  • 75220
Web
The company sued me in the state of Iowa where I do not live. In addition their process server left a note on my former residence ( which was sent to me ) listing the case number. Searching Iowa Courts for the information yields the name of the company " Calvary Portfolio ''. XXXX the company makes it clear they are a debt collection company. This note was left in a public place where it was collected by a third party who gathered the above information before contacting me. This is not permissible.
09/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32708
Web Servicemember
On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18. Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.
06/06/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 186XX
Web
Re : Account # XXXX To Whom It May Concern : I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
09/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • XXXXX
Web
Cavalry Portfolio Is reporting collection on my XXXX credit report. This amount may not have been report on recent Bankruptcy because this account was found to be fraudulent by a court of law and Cavalry owner in Illinois civil court. This company Cavalry is reporting this found that I was not liable and dismissed without Prejudice on XX/XX/2014 by Cavalry 's attorney 's. This amount would have been included in my Bankruptcy if it wasn't dismissed in a court of law before the bankruptcy took place.
06/06/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 186XX
Web
Re : Account # XXXX To Whom It May Concern, I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
06/05/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 92509
Web
The following is a summary of actions between me and XXXX XXXX XXXX XXXX XXXX . After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.
04/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 920XX
Web
Cavalry Portfolio is illegally reporting an alleged debt on my credit reports. They are a 3rd party debt collector. I did not give written consent to Cavalry Portfolio to furnish anything on my consumer reports nor do they have any written contract between myself and Cavalry Portfolio. Cavalry Portfolio is not licensed to collect in the state of California so they are also illegally doing business in my domicile state. They have been tarnishing my credit with this illegal reporting and negligence.
07/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46815
Web
Account has been illegally re-aged. Date of first delinquency ( DOFD ) would have occurred in XXXX. Calvery is reporting this false info on all three agency reports. CAVALRY PORTFOLIO SERVICE Account Name : CAVALRY PORTFOLIO SERVICE Account NumberXXXX Account Type : Collection Responsibility : Individual Date OpenedXXXX <<<<<<<<<
05/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • ID
  • 83854
Web
On XX/XX/XXXX I notified XXXX that my credit card had been lost. 2 weeks later I paid the balance on the card XXXX. Sometime later, within one year, I started receiving debt collection attempts from Cavalry SPV, LLC. They were trying to collect a debt of XXXX. A lawsuit was filed by Cavalry in XX/XX/XXXX, case # XXXX, in the District Court Of XXXX County in XXXX XXXX XXXX, ID. This case was dismissed without prejudice on XX/XX/XXXX. The damage to my reputation and credit rating was immeasurable.
10/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24151
Web
Cavalry Port is reporting I am delinquent on a loan for {$5500.00}. They said the loan was taking out in 2019 when I never took a loan out in 2019 nor any years before or after even close to that amount. They are lying and won't give much information about the loan they claim I owe. They have harrassed me to a point where they wonqt stop calling even when I have asked over 20 times now to please stop calling my phone. They are rude people and they will use a different number each time they call.
12/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33179
Web
I am attempting to amicably resolve this issue as I have stated to this debt collector this debt is not mine and I never entered into this agreement. This is certainly a case of identity theft or error. I refuse to pay for or be held liable for debt that is not mine. Cavalry SPV I LLC needs to address this matter as I am not going to be railroaded over for funds. I simply want this issue dismissed and collection attempts to cease. These multiple court proceedings and legal measures need to stop.
01/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33069
Web
My consumer rights are been grossly violated. CAVALRY PORTFOLIO SERVICES , LLC Is reporting a debt that I do not owe on my consumer report. Attach is my cease and desist letter that I have sent certified mail. I have not authorize ; or gave authority to this company to report anything. I don't even know who they are and how they obtained ; or possessed my private information without my authority this is aggravated identity theft pursuant to 18 usc 1028A ( a ) ( 1 ) and 18 usc 1028A ( c ) ( 8 ).
03/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46037
Web
No one has actually provided any evidence that this was in fact my debt. this negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Indiana, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Indiana to collect. *they have this listed on my credit report under the name XXXX XXXX which is NOT me!
04/10/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
I received a letter from Calvary SPV I, LLC stating that it was an attempt to collect on a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received products nor services from Calvary SPV I, LLC. I sent Calvary SPV 1, LLC a dispute letter and in that same letter I also asked for them to send me an Insturment of Indebtedness which they have yet to produce, but yet try to collect on a debt in which I have no knowledge of with Calvary SPVI, LLC.
11/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 421XX
Web
Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.
07/11/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38114
Web
On XX/XX/XXXX I disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX reference # XXXX which I never got a response from after my first debt validation letter.
10/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30043
Web
I have 2 collection accounts that are not mines. The XXXX acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me. The other attachment is a XXXX XXXX that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution
04/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MD
  • 21220
Web
Cavalry SPV Debt : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. The date of the charge off according to them is XX/XX/2019. I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.
08/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76133
Web Servicemember
This is a complaint about a change in the XXXX date of delinquency from XXXX XXXX with XXXX credit Bureau. The original XXXX date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the XXXX report dated XXXX/XXXX/XXXX the XXXX date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.
08/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 32837
Web
I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE CALVARY SPV ILLCC # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO XXXX IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY CALVARY SPV I LLC AND ATTORNEYS XXXX XXXX XXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE
08/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • XXXXX
Web
I have a loan with CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
09/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32901
Web
To provide context, I have verified that the debt in question is not mine, and I have no legal obligation to repay it. Despite my attempts to clarify this issue with your organization, it has come to my attention that you continue to pursue collection efforts. Furthermore, I have discovered that Cavalry Portfolio Services , LLC is not licensed to collect debt in the state of XXXX, where I currently reside. This raises serious legal concerns as you are engaging in prohibited activities.
08/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28227
Web
A collection agency, Calvary Portfolio Service, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.
05/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75771
Web
This company has failed to provide me the information to satisfy my debt verification. This company will only send me a copy of when the account was open and the charge of date, but will not send me any information regarding the account of when the last time I paid or any information regarding the account such as billing. I have asked for a detail break down of the account and this company has refused to provide me the information requested. I have sent this company letters and called.
05/25/2016 Yes
  • Credit card
  • Forbearance / Workout plans
  • MA
  • 026XX
Web
I had a credit card with XXXX XXXX XXXX in 2009 who sold the debt to Calvary Portfolio Services LlC .When I told them I could n't pay because my husband had an XXXX, they would not work with me. They tacked on over XXXX dollars. In late charges and took me to court and filed a law suit, they have since put a lean on my House for a larger balance than what is owed. They will not send me a statement to prove There is a descrepency in what they are suing me for and the real dollar amount
05/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 961XX
Web
Received collection notification from Calvary Portfolio. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for XXXX XXXX / XXXX. Again, I have no dpocumentation supporting my obligation. I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.
10/23/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60487
Web
I have asked Cavalry, repeatedly, in writing on XXXX 2017 and XXXX XXXX, 2017, to verify this debt ; including, the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) the date of which said debt was initially considered delinquent ; ( 4 ) Proof that you are licensed to collect debts in Illinois As of today, they have not provided me with the information requested. They have only sent a letter acknowledging my dispute.
06/23/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NM
  • 88203
Web
The company of Calgary SPV I, LCC are try to collect on an expired debt, the original date of despute of the credit card debt is XX/XX/XXXX. Original debt was with XXXX credit card. No attempt to try to collect the debt thru court action was made until XX/XX/XXXX.The company is now making a false statement that I paid a payment of {$25.00} which would change the status of the debt from expired to current and they are now filing to garnish my wages ... ..no such payment was ever made.
09/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90044
Web
Calvary Portfolio Service representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$740.00}
10/25/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07017
Web
I sent a letter to dispute this account as well as validation .... no validation was sent as to prove 100 % accuracy. I recieved no copy of charges of the bill, signature and/or social attachment proving this account belongs to me. Since they failed to provide any proof : 1.Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4. Show proof they have the legal right to collect in my state. Not only that, that is a violation of HIPPA laws.
01/17/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 199XX
Web
I received a copy of my credit report. In detailed it listed a collection account that I have never opened, signed, or agreed to this account. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account.
09/25/2016 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70809
Web
I had an auto repossession on XX/XX/XXXX from XXXX XXXX XXXX due to my illness with XXXX XXXX. XXXX sold the account to Cavalry Portfolio SVCS. When I had my credit report pulled Cavalry Cavalry is reporting the date placed for collection as XX/XX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and Cavalry did not update the " date placed for collection '' which was in XX/XX/XXXX. I need this updated as soon as possible.
09/16/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77388
Web
On XX/XX/2022 I sent the first letter to Calvary Portfolio Services asking to validate the debt which I never received a response. Then on XX/XX/2022 I sent another letter asking for additional information which was ignored. Later on XX/XX/2022 I sent an additional correspondence informing them I would submit a dispute with the CFPB. This account has prevented me from using my credit in times of need. Adding stress to my life. This i=has taken longer then needed to be resolved.
11/17/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • 30022
Web Servicemember
I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
10/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78418
Web Servicemember
XX/XX/2019 Cavalry portfolio services called asking for my father, do I know this person ect. I said I did he was my father, they hung up on me. My father died last month. I phoned them back XXXX which is the number that called. I asked why they were calling me about my father. I said he past away, they said you need to send us his death certificate now. I don't know who would be doing this, is it a scam? I told them never to call me again and then they asked for my number,,,
04/06/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38119
Web
Cavalry Portfolio Services is suing me for non payment of a XXXX XXXX XXXX Credit Card they claim they purchased as a charge-off in 2009. I have never had a charge off from XXXX XXXX XXXX. My credit reports show that both my XXXX accounts were closed by me and paid in full. The alleged charge-off would make this debt fall outside the statute of limitations in the state of TN. I feel I am being sued in hopes that I do n't present a defense, resulting in a judgement against me.
12/28/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 17042
Web Servicemember
I contacted Cavalry Portfolio Services on or around XXXX/XXXX/XXXX requesting validation of debt. On XXXX/XXXX/XXXX I received the attached documentation which is nothing more than a statement that fails to establish that is valid and mine specifically, that the debt was transferred to Cavalry Portfolio Services, fails to document complete account history, and also fails to provide the original agreement of the account. Therefore, this account should not be considered valid.
05/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64804
Web
I, XXXX XXXX, a natural person, consumer, and acting without any help from a third party want to complain that I sent Calvary Port a certified letter asking for an audit trail so that I could validate this debt per my consumer legal rights which are to protect me. Calvary Port has not sent me an audit trail and it has been six months. During this 6 months they have continued reporting these inaccuracies in spite of them being disputed which is also a violation of my rights.
05/04/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33782
Web
Calvary Portfolio Services has re-aged the debt for XXXX XXXX XXXX and reporting an inaccurate amount of {$650.00}. This debt has surpass the statue of limitation. This has caused damage to my credit over many years. The payment status on my XXXX credit report is listed as " Refinanced or Renewed '' The original creditor is XXXX XXXX Nevada the date of m y 1 st late p ayment is well ov er 7 yea rs. Calvary Portfolio is using illegal collection practices.
03/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. CAVALRY PORTFOLIO SERVICE
10/07/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33175
Web
This company has violated FCRA, The company has admittedly said that they received my FCRA 609 letter on XXXX the XXXX and they did not send out a letter until XXXX the XXXX, therefore taking more than 30 days to respond. I have never received a letter with my rights, I would like the company to look into their records and tell me what address they claim they sent the letter XX/XX/XXXX. They have also violated FCDPA, threaten to sue me for debt that was never validated.
05/06/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20876
Web
I reported to XXXX an error on my credit report for Cavalry ( XXXX ) debt collection. The error is that they are not reporting monthly payments but indicate in the comments partial payments being made. How payments are made and reported is crucial for how the credit report is reflected. Isn't scheduled payments of an agreement whether partial still a payment? Then the payments and more particularly, the amounts should be reflected regardless of the collection amount owed.
09/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • TX
  • XXXXX
Web
XXXX XXXX, CALVARY PROFOLIO SERVICE LLC, Has Filed a lawsuit for a " debt '' that I have never Knowingly and intentionally signed for, made harassing phone calls, Garnished wages, and more. These sinister acts are in direct violation of my consumer rights pursuant to 15 USC 1692- Congressional Findings precisely pursuant to 15 USC 1692 G- Validation of Debts, 15 USC 1692 J- Furnishing Certain Deceptive Forms, and 15 USC 1681 B- Permissible Purposes Of Consumer Reports.
11/13/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 337XX
Web
Calvary Portfolio Services is attempting to collect on an alleged debt for XXXX. The problem is they have made countless legal threats, which is a violation of the fair debt collections practices act 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken. I want this harassment to stop. I am requesting they also respond to my attached letter. I believe they have also been recording my telephone calls without my consent.
08/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11230
Web
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The above company placed two collection accounts on my credit reports with all XXXX reporting agencies. They allege that I owe them {$6600.00} for one account, and {$4400.00} on another account. I never opened an account with Cavalry, and I do not believe they have a right to damage my credit rating by placing new accounts on my credit reports. Both accounts were added to my credit report in XX/XX/XXXX.
05/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
*Cavalry SPV I, LLC Violated/failed to respond Texas finance 392.202. *Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. # # Complaints, As of today XX/XX/191. Cavalry SPV I , LLC didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 3. Didn't request dispute but Cavalry mark trade lines as dispute.
08/09/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CO
  • 80227
Web
Calvary Portfolio Services for XXXX this XXXX is from 2004 11 years ago yet Calvary Portfolio Services keep putting this debt on my credit report as if its a new debt. I have disputed this with the credit bureau but they do nothing this is dragging down my credit score, and beyond the statue of limitations Colorado the statute of limitations is XXXX years what they are doing is illegal the card has been closed for XXXX years. and I do not think XXXX even exists anymore.
07/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • ND
  • 582XX
Web
A one-time settlement payment was made on XX/XX/2020. I placed a call to the company on XX/XX/2020, the representative confirmed that my account was settled and that the balance owed was {$0.00}. I filed a dispute with XXXX on XXXX XXXX so that the information would be updated ASAP. XXXX had found that all the current information of the debt being owed and account status as open was correct, even though I had confirmed with the collector that the account was settled.
06/24/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07093
Web
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature
02/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90201
Web
I disputed an account with XXXX on XX/XX/2019 but they keep verifying it. Cavalry LLC. attempts to collect {$1200.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. they hurt my credit and I can not qualify for any loan.
01/30/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94605
Web
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.
05/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64804
Web
On XX/XX/2022 I sent CALVARY PORT a certified letter asking them to Cease and Desist reporting this disputed alleged debt of {$620.00} to XXXX XXXX XXXX until they sent me all the information they had on file so that I, the consumer, a natural person, could attempt to validate this alleged debt per my legal rights and protections. CALVARY PORT ignored my request for information ( violation ), and continued reporting this derogatory and false information to the CRA 's.
06/02/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77632
Web
My wife received a call that I was being served. They said the letter would be left under a rock by the front door and she asked him not to do that as it could possibly not be there after she gottt home from work. He left the letter in the mail box ad I've sent over a debt validation letter on XX/XX/XXXX, XX/XX/XXXX & 2day, XX/XX/XXXX as I was not provided any relevant agreements or any signed contracts. I will attach the certified mail receipts that I have as proof.
08/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • XXXXX
Web
Someone had used my identity to fraudulently open an account with XXXX XXXX XXXX in association with XXXX in XXXX, XXXX. I received a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX notifying me that after an investigation, they had determined that I am not responsible for the account in question. Despite this, Cavalry Portfolio Services LLC continues to send me mail and demanding payment on behalf of XXXX XXXX XXXX XXXX, now with the additional threat of late fees.
04/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 33162
Web
a judgment was filed for an expired debt by calvary collection agency for a debt of {$1700.00} with XXXX XXXX. they have contacted my employer to collect my bank information and garnish my wages. I have sent out letters to the original agency who had my debt which was XXXX XXXX and recieved no response from them. these letter span an avergage of 2 years. i have never recieved written documentation regaurding XXXX XXXX and that my debt was sold to a different agency
07/26/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 070XX
Web
I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
06/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web Servicemember
I have had issues with my identy theft back in XXXX and XXXX since then i have send numerous letters to CAVALRY and by now it has been over XXXX years in XXXX since i have been fight this. I told them that by florida law they can no longer have this in my credit report because here in florida the law is that this should be taken off after XXXX years. They are not compliant and i had to complain to the XXXX XXXXXXXX and still they do not follow the laws of florida.
03/18/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 92595
Web Older American
Cavlry SPV I. LlC ; address ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX is attempting to collect a debt that I am not responsible/or owe for purchases with a XXXX Credit card as part of a charge-off via XXXX XXXX XXXX and new company owner name XXXX XXXX. I have never owned a XXXX credit card or used a XXXX credit card to acquire product goods and services two years past in 2013. Therefore I believe this is an identity Theft case in which I am the victim.
09/04/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89166
Web
Cavlary posted a collection account on XX/XX/XXXX but I never received any notification of this debt prior to them placing it on my account. In XX/XX/XXXX I discovered it on my report and I have made numerous requests for this to be removed from my credit reports. I received no debt validation, and they refuse to contact me. Their contact information is incorrect on my credit reports, and they have completely failed to validate my debt, despite numerous requests.
01/13/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CA
  • XXXXX
Web
Calvary SPV 1, LLC has taken an action they are not legally entitled to take violating Title 15 U.S.C. 1692 ( e ) ( 2 ) ( a ), ( 5 ), ( 8 ), ( 9 ), ( 10 ), ( 12 ), ( 13, ( 14 ). They Are Suing Me on a Debt they Allegedly Purchased. They are unjustly enriching themselves by Lying and saying they Represent the Creditor after admitting to the Court they Bought the Debt alleged. They Have Failed to provide original Documents for inspection and copying as requested.
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 76549
Web Servicemember
XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in XXXX.
06/08/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MO
  • 65804
Web
This firm CAVALRY SPV I , LLC / XXXX AND XXXX, XXXX filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.
12/08/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60611
Web
I was a victim of identity theft and noticed a collection from CAVALRY PORTFOLIO SVCS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CAVALRY PORTFOLIO SVCS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
04/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75063
Web
On XX/XX/2023, I received an unauthorized credit inquiry by XXXX a registered trademark of XXXX XXXX XXXX XXXX XXXX XXXX, without permission and without notifying me before authorizing the inquiry via phone as instructed nor did they perform their due diligence before gaining entrance to my credit report. *** Attachment 2 is regarding the second complaint about Calvary Portfolio, Identity Theft collection of misrepresented information. Sincerely, XXXX XXXX
09/08/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 949XX
Web
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
11/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 478XX
Web
I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018. I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me. I have all documented communication.
01/22/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92563
Web Servicemember
Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.
04/08/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 92234
Web
The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me. The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file
09/29/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • XXXXX
Web
The Complaint that I have is with CAVALRY PORTFOLIO SERVICES. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CAVALRY PORTFOLIO SERVICES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. Please Help me.
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33176
Web
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
03/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • 72756
Web
mailed and requested verification of debt on XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 2 letter XX/XX/XXXX, recieved letter back sent bill of statement with no signature or name for account. sent 3 letter XX/XX/XXXX, recieved letter stating was reported disputed with all comsumer agencies and based on their investigation of dispute regarded account accurate and did not include additional information.
04/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11727
Web
I have a old credit card dept with XXXX XXXX.The account was closed and changed off in XXXX, and up for collection for a amount of {$2200.00} from XXXX XXXX.A collection is telling me that the account was open for collection in XX/XX/XXXX.cavalry portfolio svcs.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX.I looked at my report many years ago and this was already up for collection.How this are they moving there statue of limitations up on me illegally.
04/16/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 894XX
Web Servicemember
There is a certain debt collector known as XXXX XXXX XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
10/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33470
Web
Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from Calvary Portfolio Services ( see attach letter. ) I never received any validation of the debt from this collection ageny but it continues to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to Calvary three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 22554
Web Servicemember
There has been a debt collection company calling to collect a debt which is not owed by me. I have told them this numerous times and have not had any lending from the original lender for at least XXXX years. I just checked my credit report and the debt collection company has repeatedly accessed my credit report without my authorization under an " account review ''. Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX
03/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33137
Web
I need help. I want to report that Cavalry Portfolio Services is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. Damages : legal advice expenses, not being able to obtain loan, emotional stress. Please forward the attached documents to Cavalry Portfolio Services , LLC. Thank you so much, CFPB.
05/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89149
Web
I really hope you can help me. XXXX and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with Cavalry Portfolio Services that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34953
Web
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
07/01/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 94107
Web
I have never done business with this company, Calvary Portfolios Company, and XXXXXXXX XXXX. The credit report shows an amount of {$2200.00} for a bill that I dont have or had. The company reported this on my credit report and I want this removed from all three major credit reporting agencies immediately. My greatest concern is the fact that this was reported on my credit file and I had no knowledge, and it doesnt belong to me. Thank you, XXXX XXXX
05/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • XXXXX
Web
Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.
07/05/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91752
Web
I was never contacted by Cavalry Portfolio Services. They placed an account that was already in dispute with the Credit Bureaus as not mine on my credit as a collection account. If i would have been contacted by them they would have known the account was in dispute because i have no knowledge of it. I will not be bullied in to paying for something that i have no knowledge of ... ... this account was never validated.

Cavalry Portfolio Services XXXX

11/01/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CA
  • 91776
Web
Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.
05/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 816XX
Web
I have tried to contact Cavalry on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that XXXX XXXX XXXX does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of 2021. I am submitting the settlement letter from XXXX & XXXX dated XX/XX/2021 and the confirmation of payment made.
05/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • KY
  • 40511
Web
I have disbuted this debt, in return they threatened to sue and damage my credit. They resubmitted to the credit companies as a new debt in XXXX. Any collections I did have on my account were from XXXX and greater. I did not open any accounts until XXXX with XXXX XXXX. I have no knowledge of a XXXX account. They are repeatedly calling me all hours of the day 7 days a week at home and at work. They mail me papers requesting I file a police report.
04/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NJ
  • 084XX
Web
I have contested these 2 collection files from Cavalry LLC : XXXX XXXX On neither of these files is Cavalry able to supply me with documentation that I authorized the charges. I have contested the bill with the companies XXXX XXXX which charged me tuition for a course I did not attend ; and the XXXX charge represents an incorrect appliance order.There is no written documentation with my signature showing that I authorized either of these bills.
03/25/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11704
Web
I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. I keep getting the run around with useless reply letters that do not properly validate in anyway. I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. Amount is {$1400.00}
07/21/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33323
Web
Recently my employer ran a credit check on myself and unpaid balance on credit card from XXXX XXXX appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest
09/26/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 77386
Web
I was a victim of identity theft and noticed a collection from Calvary portfolio. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Calvary in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
12/07/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33713
Web
Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.
08/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ME
  • 046XX
Web
I received an offer to settle in the mail and I paid it. The company that is reporting on my credit will not respond to calls and I can not remove this via a dispute multiple times. I have the letter I was sent and a confirmation of payment. I paid the amount requested the day I received the letter which I believe was XX/XX/25 the letter said I had until XXXX to accept one of the 3 arrangements. I paid it now I can't get it updated or removed
04/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33025
Web
I sent a debt Validation letter on XX/XX/2021 which I have attached, asking for the provided information requested in the letter. Cavalry has not sent Validation of the debt they only sent a letter with " NO '' information on where this debt came from and amounts owed.I am requesting that you remove this erroneous information from my credit report. This has caused a great deal of stress and they are reporting someone with the last name XXXX.
05/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92780
Web Servicemember
It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
08/15/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27613
Web
CAVALRY PORTFOLIO SERV at XXXX XXXX XXXX XXXX, AZ XXXX has been sending me collection notices in the amount of {$7.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. What would you like done .... I would like them to take this off my credit report and do not try to put it back on my credit report.
03/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34746
Web
Calvary Portfolio Services already acknowledged fraud and stated they would send out a fraud packet to complete as the original packet wasnt received being sent to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX You cant legally acknowledge a fact, then ask a claimant for evidence to satisfy their burden of proof. As with XXXX XXXX XXXX, case number : XXXX is already determined ID theft superseding their internal processes.
07/13/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95116
Web
I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.
10/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07024
Web
There was some credit card transaction which occurred on the XXXX credit account in XX/XX/2021 which were not authorized my me. I have contacted XXXX at the time of the transaction was known to me. It was rectified and settled and removed from my credit account.. Now Calvary portfolio credit service debt collection agency have reported the debt back onto my credit account. Please remove account and account debt off my credit account..
01/31/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated shouldn't respond to lawsuit
  • MI
  • XXXXX
Web
This debtors is trying to collect on a debt that was included in a bankruptcy filed XXXX years ago for a ticket issue for a house waste removable amount that I no longer own. The debtors got an illegal judgement that I never received any communication regarding a threat of wage garnishment. The debtors got my bank account information illegal without my consent and took money out of XXXX of my bank using false wage garnishment paperwork.
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78214
Web
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,
05/28/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 95820
Web
XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • XXXXX
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
06/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 346XX
Web
I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.
09/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34787
Web
I received notice of this debt and immediately called to request debt validation on XXXX/XXXX/XXXX. I never received a debt validation letter. This is not my debt, however, a few weeks ago I called to settle it because I want it off of my credit report. I am going to be buying a house in the next four months and I want this debt removed because it is not mine and because I want to take advantage of the best credit rates I can get.
10/25/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • SC
  • 29223
Web
I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.
08/02/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 704XX
Web
XXXX XXXX XXXX has an account listed on my credit report that is not mine. I am not liable for this debt. I have no signed contract or any contract with this company. I am not responsible for this debt owed. I asked the company to validate the debt, they sent me a bill with an address on it that has never been my address and isnt associated with me in any way. I was not notified that this debt would be placed on my credit report.
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33025
Web
Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX XXXX XXXX XXXX they have not sent me any documents bearing my signature as of today. The following companies is : Cavalry Port - XXXX XX/XX/2019. I would like your help with this matter.
08/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 90008
Web
Cavalry portfolio services a debt collector bought the debt from XXXX on XXXX which was to drop of my credit report onXX/XX/XXXX XXXX is no longer on my credit report. Cavalry Portfolio Services remain and is scheduled to remain until XX/XX/XXXX.They have called friends in Ohio my XXXX job. I need them to removed. The account # XXXX There address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I live in XXXX XXXX. My email is XXXX
11/04/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92065
Web
I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
01/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92672
Web
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.
05/29/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 312XX
Web
XX/XX/XXXX until XX/XX/XXXX I was applying for social security XXXX which denied and I am XXXX with no source of income. I can not afford to pay XXXX XXXX # XXXX balance of {$4800.00} as of XX/XX/XXXX. I received a Notice And Summons. Attorney : XXXX XXXX XXXX , XXXX ( GA ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Plaintiff : Cavalry SPV 1, LLC, as assigner of XXXX , XXXX . Case Number XXXX Date Filed : XX/XX/XXXX
05/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
*Cavalry Portfolio Violated/failed to respond Texas finance 392.202. *Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. # # Complaints, As of today XX/XX/19 1. Cavalry didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 3. Remark trade lines as DISPUTE.
11/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 410XX
Web
Calvary portfolio keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
08/21/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
11/08/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92220
Web
I have repeatedly requested that Cavalry Portfolio Services provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
04/25/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60914
Web
Company is adding interest to debt it knowingly purchased at a discounted rate. They are supposed to be garnishing my wages but instead have opted to add interest to the debt amount month after month. At this point repaying the debt will not repair the damage they have done to my credit by continuously adding interest and reporting that Im missing payments when they took the debt to court and set up my wages to be garnished.
06/16/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77049
Web
Calvary Portfolio Service would not disclose who they were or who they represented. They claimed that a XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your f**king credit! ''
12/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • XXXXX
Web
Debt collector had over 30 days since XX/XX/2019 to produce a ( wet ink ) contract since disputed through all three credit bureaus and has been in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practicing Act. Debt collector is sueing me in state court. No valid ( wet ink ) contract which is required by law. Is damaging my credit by falsy reporting debt to credit agencies such XXXX, XXXX, and XXXX.
08/28/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34759
Web Servicemember
CALVARY SPV 1 LLC SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY XXXX XXXX . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. ACCOUNT NUMBER ENDING IN XXXX.
07/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30114
Web
I have disputed this collection company with XXXX, XXXX and XXXX that this company is fraudulent reporting this collection account to my credit report. I sent the documents to XXXX that I asked for this company to verify the debt and documents given did NOT validate that I EVER had ANY ACCOUNT with this company but with another company. I need for this to be immediately removed for all of the credit bureaus listed above
12/28/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31088
Web Servicemember
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
10/31/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33484
Web
CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP
07/19/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 90606
Web
I contacted Cavalry on XXXX XXXX, 2016 that the debt was resolved with the orginal creditor, XXXX. XXXX also removed the debt off my credit report and send me a letter. I called Cavalry and recorded the conversation with the Supervisor XXXX. Which he started that they will not contact me anymore. But now I get a letter from a lawyer on behalf of Cavalry stating if I request verification a copy of a judgement will be sent.
08/14/2015 Yes
  • Credit card
  • Other
  • CA
  • 91748
Web
A lawyer representing the collection company contacted me via USPS in XXXX/XXXX/15. I contacted them via USPS XXXX/XXXX/2015 asking to validate the debt. Their response was intentionally sent to an old address even though they have my correct address on file ; they sent communication to me previously to my correct address. This is a stall tactic which I believe they utilize to prevent payment, arrangements, or settlement.
08/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • XXXXX
Web
XXXX sold my personal information to CAVALRY SPV L, LLC and CAVALRY has attempted to collect a debt they have no right to collect. They have harassed me by making my phone ring emails and now threating to take legal action against me. I will like for CAVALRY to pay my invoice of {$4000.00} for the violations. I have been disputing this debt I have sent them a debt verification and CAVALRY has failed to validate the debt
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 303XX
Web
I was a victim of identity theft. This information was given to me by XXXX Credit Bureau. I submitted several disputes to XXXX, XXXX, & XXXX, along with a police report. The date, I discovered this was back in XXXX after lots of research. I began sending disputes to all three Credit Bureaus asking if each would remove erroneous information being reported. Currently, some of the accounts were removed however not all.
07/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 75023
Web
Cavalry Portfolio purchased an old XXXX account I had 3 years ago. I disputed the item on my credit report, and all they sent was a statement that read " balance forward '' without indicating date of last charge of date of last payment. This balance is CLEARLY out of statute, and they have now filed suit against me for the amount. I want this suit dropped and cleared from my credit report on a CLEARLY fraudulent suit.
11/22/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NY
  • 10312
Web
I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and cavalry portfolio services, collecting for a XXXX XXXX credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called cavalry portfolio to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.
06/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10040
Web
Cavalry Portfolio is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting despite a few things. This debt was never validated to me nor did I ever receive a 30 day right to dispute notice. Secondly, the debt is past the statute of limitations in Idaho and past the credit reporting limit. This is a violation under the FCRA and it must be removed.
03/03/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • MN
  • 55427
Web
This Cavalry collections company forced my XXXX roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.
10/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70769
Web
I sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Cavalry Portfolio Services , LLC to Validate my debt under the FDCP and never received any documentation with my signature on it as Validation as I requested. The collection is still reporting on all 3 bureaus as of XX/XX/2019. All I receive are statements concerning the debt they say I owe of {$3300.00}. The debt was not properly Validated on both attempts.
04/07/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • LA
  • 70460
Web
Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.
12/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20152
Web
I have filed numerous disputes with the credit bureaus about these collection accounts that are not mine. These companies keep hopping from credit bureaus to bureaus and reporting the informations that was already disputed and removed from the previous bureaus. Its already difficult enough as a identity theft victim but to constantly have to dispute the same information over and over is very unfair and difficult.
08/16/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60653
Web
XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 18042
Web
In accordance with a Fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. [ XXXX XXXX ACCOUNT # XXXX has violated my rights. [ CAVALRY PORT ACCOUNT # XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
08/02/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 190XX
Web
I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights
08/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 381XX
Web
I have no knowledge of this account. Account established XX/XX/XXXX {$4200.00} XXXX bought by collection agency Cavalry SPV I, LLC, I placed a fraud alert on my credit XX/XX/XXXX. I was recently served a warrant for court with an address to a residence Ive never lived at nor do I know of anyone who lives at that address. I called a 3 credit bureaus to file a complaint/dispute. I filed a police report as well.
05/31/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 113XX
Web
The company Calvary port folio have my credit in collection and every month put interest I never Have credit with this company or other creditor they buy the account is fraud credit because Im in a XXXX is imposible I can use my credit I trade to explain this company but they continue put me in collections an put interest please I need help I have prob Im in a XXXX at the moment this credit is in my record.
03/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92672
Web
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77063
Web
Account Name : CAVALRY PORTFOLIO SERV ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. Account Name : PORTFOLIO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
06/22/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • XXXXX
Web
Calvary Portfolio has REPEATEDLY called my number asking for some guy with me telling them that they have the WRONG NUMBER! I do NOT know the person they are calling for. My number no longer belongs to that person, and has not for several years now. This company has been calling my number for YEARS with me telling them they have the WRONG NUMBER. They need to figure out the right number and stop calling me!
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 334XX
Web
I've received several notices from Calvary SPV for accounts that have been in default due my failing health. CALVARY bought debts from a 3 cards and entered judgments against me XXXX XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} XXXXXXXX XXXX- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90003
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
09/23/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87111
Web
I have a debt on my credit score from cavalry port. I have no idea who this is for or where it is from. There is another one in my credit report from XXXX. Which is another one that I have not received any letters from them. I have recieved 2 calls from cavalry port saying they are going to take legal action against me. And I 'm assuming they do n't have anything to prove that the debt is actually mine.
10/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 494XX
Web Servicemember
Calvary SPV is reporting a collection account for XXXX XXXX Bank opened on XX/XX/2012. I did not have a XXXX XXXX account at that time. I have disputed this collection activity previously and have not received any information regarding this account opened in my name in 2012. I have made several attempts to get information from XXXX XXXX regarding this account and they do not have record of the account.
05/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77091
Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Calvary Portfolio for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
01/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11225
Web
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. CREDITOR CAVALRY {$12000.00}
05/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94580
Web
XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help Thank you
12/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NY
  • 13850
Web
I was asked to be contacted by mail only. I sent them a letter dated in XX/XX/2023. The company had an employee look up my personal information online on XXXX to get my employer information and contacted my job about this debt owed. I have a screen shot of them looking up my personal info online. This is harassment and I would like the accounts removed from my credit report because this is illegal.
04/29/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 122XX
Web
Cavalry portfolio servic theyre trying to collect a debt that doesnt belong to me for {$620.00}. I believe its from a XXXX credit card I need this item to be removed from my credit report I dont have any knowledge of this it was already Removed from my XXXX now Is showing in my XXXX and XXXX. Credit reports my phone number is XXXX my name is XXXX XXXX XXXX the last four digits of my social are XXXX
07/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I had a XXXX 's account up until XXXX. I lost my job and was not able to pay them. They turned the account over to Cavalry portfolio in XXXX for collections. Calvary Portfolio is listing this debt as opened in XXXX, and that isnt true. This debt hasnt been paid on or had any type of transaction in over 5 years. They need to update the info they are sharing on my credit report, because it is false.
07/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90046
Web
I have cleared/paid off a collection account with Cavalry SPV I, LLC ( a debt collection agency ) for a credit card account originally with XXXX. This payment became official on XX/XX/2021. I have been told by Cavalry SPV I, LLC that this collection account is eligible to be removed from my credit reports with XXXX, XXXX and XXXX. I would like that done immediately since the debt has been paid.
05/26/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27607
Web Older American
I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.
07/30/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19120
Web
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you.
10/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33326
Web
This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. Thank you. XXXX XXXX XXXX
05/25/2016 Yes
  • Credit card
  • Payoff process
  • MO
  • 63052
Web
i submitted a claim for XXXX XXXX with you all. They wrote me back kindly and said they sold my debt to Calvary. Well calvary wants to sue me. After XXXX XXXX heard why i fell behind and they were sending old bills to wrong address. they were compassionate and said they would forgive it but its now sold to calvary. calvary is now suing me without giving me any chance to explain why i fell behind.
08/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92703
Web
This is an invalid debt. The debt belongs to XXXX XXXX account that does not exist on my credit reports. I have sent multiple Debt Validation letters to CAVALRY PORTFOLIO SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX address and never received any information about this. Please take a look into this as they refused to validate my debt and sabotaging my credit report at the same time.
07/27/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30075
Web
Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.
05/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64804
Web
I am XXXX XXXX, a natural person, and no one is helping me file this complaint. I have sent several certified letters to this Debt Collection Agency CALVARY PORT requesting an audit trail to that I may have a chance to validate the debt, and for them to Cease and Desist reporting while I was disputing this debt. CALVARY PORT is in violation of my consumer rights by refusing to abide by the law.
08/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30035
Web
Calvary Portfolio Services, LLC in New York has repeatedly reported false claims of {$10000.00} ( Account Number XXXX ) debt that I do not owe or known anything about on my Credit Profile, impeding on my ability to secure any measurable credit and have refused to substantiate how we established a mutually, and agreeable financial relationship with for which they are demanding a payment from me.
05/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78258
Web
ftc violation sent inaccurate accounts to the creditors 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 08 XXXX XXXX 08 XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
06/22/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • LA
  • 710XX
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
12/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29445
Web
Theres a collection on my credit report from the collection agency named Calvary Portfolio Services opened on XX/XX/2014. They are attempting to collect a debt in the amount of {$420.00}. I do not have any type of contract nor agreement with them, therefore they are not allowed to attempt to collect a debt that is not owed. Ive tried resolving this problem before, but a resolution was not met.
08/02/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92107
Web
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
07/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35226
Web
When checkiing my credit reports I noticed a collection from Cavalry Spv and XXXX with XXXX XXXX as the original creditor. This debt does not belong to me. I have filed a lawsuit against XXXX for ID theft and damages to my credit report. This collection account on my credit reports has caused added stress to an already unfortunate situation. I plan to have my day in court and sue for damages.
06/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19138
Web
Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.
08/13/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • KY
  • 41018
Web
Cavalry SPV I , LLC garnished my wages from my check I work hard for! Ive never borrowed money from them and it claims I owe them {$18000.00} plus 12 % interest and {$15.00} court cost. Ive never been to court and Ive never borrowed money from them! Im a US citizen and I feel like Ive been scammed by them and the court system! I have constitutional rights and I feel they have been violated!
03/19/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33572
Web
a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX
01/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 972XX
Web
A debt collector called Cavalry SPV I , LLC contacted me about an account in collections from XXXX XXXX XXXX I contacted XXXX, and they wrote me back saying that this account that didnt exist, and told me not to respond to the debt collector. However, now the credit reporting agencies say I have an account in collections, despite having no other problems with my credit report. Please help!
09/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22315
Web
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
06/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33068
Web
On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.
09/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60540
Web
I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX
09/19/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34787
Web
In an effort to compromise with the debt collector, I settled the account for 30 % of amount owed in order to have it deleted from my credit reports. I have experienced extreme hardship over the past year and have finally started to be able to save for a home again. I will be applying for a mortgage in the next six months and this invalid collection is a huge hurdle in my effort to do so.
01/06/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10460
Web
Dear Sir or Madam : On XX/XX/2021, I notified Calvary Portfolio Services in writing that this debt be Exemption, Due to Hardship. They refused to cooperate or consider, or verify. Calvary Portfolio services refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Calvary Portfolio Services under the Dodd-Frank Act. Sincerely, XXXX XXXX
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92627
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Credit Bureaus are reporting inaccurate information on CAVALRY PORT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( CAVALRY PORT XXXX )
07/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19145
Web
This account has be disputed with all 3 credit bureaus and the dispute is coming back verified. I have contacted the collection agency via certified mail requesting validation of debt and my physical signature. The company has failed to provide any of the information requested. Tbe leter was sent out XX/XX/ 2021 and as of today, XX/XX/XXXX, I have not heard anything from this company.
05/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02122
Web
Company is re porting on all XXXX credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''
10/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AL
  • 36330
Web Servicemember
This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.
11/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • PA
  • 19010
Web
Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
05/03/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • LA
  • 70124
Web
They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.
02/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11520
Web
Cavalary Portfolio Account was paid on XX/XX/2021 We were told that the account would be removed from the credit as per their policy within 30 days. I reached out to the company and they told me that they submitted a request to update the credit as a settled account when in reality the negative account should have been deleted in full as per the policy specified on their website.
09/19/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 99301
Web Servicemember
I have contacted the company on several times, requesting them to validate accounts that they are saying are mines. However, the company has sent me duplicates of billing statements in an event to validate the accounts. This is not proof that the debts are indeed mines. In order to resolve these accounts, I need the company to verify these accounts by providing a signed contract.
02/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 11003
Web
They keep calling early morning and late at night ... using foul language telling me and wife that we are going to jail if we don't pay them ... but I don't owe them anything I keep asking for proof that I owe them they keep sending me old statements that's not theirs ... when I asked them about it they say they brought the account so now I owe them and they will put me in jail.
08/28/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 985XX
Web
Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.
08/10/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33060
Web
I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.
07/21/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NY
  • 134XX
Web
cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
05/02/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • 92407
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/09/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • LA
  • 710XX
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 344XX
Web Servicemember
XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.
12/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NY
  • XXXXX
Web
I have disputed several times with multiple XXXX XXXX XXXX the claims of this company. I have requested proof of validation containing my original signed contract, thereby verify ownership. As of today, XX/XX/2022 I have not received such documents, however said company persist on reporting falsely on my credit report, detrimentally damaging my identity and credit worthiness.
04/23/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • GA
  • 30345
Web
Cavalry SPV hired XXXX XXXX XXXX XXXX to collect my deb, XXXX hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then XXXX XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. They fabricated the notice, I never received a notice to go on court neither my family did.
04/08/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80014
Web Older American
They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.
04/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MS
  • 395XX
Web
I tried calling this company and they stated that they cant talk to me about this debt because it was sold, but they are still reporting this information on XX/XX/XXXX and XX/XX/XXXX credit report. They sent me a letter replying from my validation of debt. Stating that they have review the dispute and its lacking specific facts that will allow them to start an investigation.
08/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77598
Web
On XX/XX/2018 Cavalry Portfolio Services added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.
02/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89103
Web
I am in the process of disputing certain things on my credit that were the product of identity theft. The company that bought one of the debts is calling me nonstop, have started contacting previous places I worked at that showed on my credit about this debt, they are contacting family members associated with my information as well. The aggressiveness borders on harassment.
05/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29349
Web
Cavalry Portfolio Services has an open collections account listed on my credit report, which is of an old debt that was closed. Cavalry Portfolio Services relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.
04/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93065
Web
I have never done any business with a company called CAVALRY PORTFOLIO SERVICE, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.
02/16/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 152XX
Web
XXXX-Cavlary Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX this debt was purchased from another account and I requested the original contract and account information otherwise requested this is deleted from my credit report. XX/XX/2022 Received a communication from experian that they are not removing this item but did not provide the requested information.
06/10/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07017
Web
I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.
02/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33071
Web
Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me. The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.
08/17/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11417
Web
Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!
10/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11210
Web Servicemember
In XX/XX/2023 I went to civil court for a furniture payment for damaged furniture that I was not able to pay for. It was dismissed immediately and it is still being reported as collections. Calvary Portfolio I Spv never even showed up in court! The continue to report negatively it needs to be reported as zero and reported honestly. It is fraud and I need help please.
06/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 10128
Web
Cavalry SPV, llc and attorney XXXX XXXX XXXX delivered lawsuit paperwork to my building and left it at the front desk for all employees to read. It was not enclosed in an envelope or folder. All details were exposed to several people where I live. Paperwork left on XX/XX/2019 Front page clearly showed a XXXX XXXX woth my name. This is a violation of my privacy.
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60620
Web
This account does not belong to me its has been open fraudulently under a social security number thats is not mine from Cavalry Portfolio services with account that begins or ends with XXXX thats is being reported to XXXX in which I have reached out to XXXX and cavalry portfolio services and neither one of these companies have corrected the this fraudulent account
03/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • XXXXX
Web Servicemember
There is a dent on my credit reports for Calvary portfolio that I do not owe, I have disputed numerous times and contacted them numerous times for them to provide proof that this is my debt, however I have yet to receive any documents or a resolution. they continue to increase the balance owed every month on my report and no one will tell me anything about this debt
01/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11212
Web
I had a dispute with XXXX regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXXavalry Collection Company to appear in court for an excessive amount & I requested a list of all charges & I have not received same. Cavalry Account # XXXX
03/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IA
  • 50322
Web Servicemember
Recieved a notice from all 3 credit reporting agencies about a debt from Cavalry Portfolio Servic. Cavalry Portfolio Servic did not send any notice to me. They open a collection account on all three credit agenices. I tried to dispute the debt through the credit agenices as this company never provide any information to me nor gave me a 30 days to dispute the debt.
04/09/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 94561
Web
I'M IN THE PROCESS OF REFINANCING MY HOME AND A JUDGEMENT SHOWED UP THAT THE LENDER TOLD ME NEEDED TO BE PAID OR SETTLED BEFORE WE CAN MOVE FORWARD. I CONTACTED THE COMPANY REGARDING THIS ALLEGED DEBT AND THEY SENT OVER A FAX TRYING TO COLLECT FROM MY LOAN AT THE CLOSE OF ESCROW. I HAVE NO IDEA WHERE THIS CAME FROM AND I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.
02/07/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10598
Web
A disputed with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was sent by certified mail and received on XX/XX/XXXX. As of todays date, XX/XX/XXXX, I have yet to hear a response from this company in regards to the validity of such account. The XXXX allows for such company XXXX days to respond, I have yet received a response.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MA
  • 02151
Web
Try to solve it using a link on XXXX XXXX ( XXXX ) and it says the information is correct. Which is not, account are older than 7 years and collection agency had altered the dates so it still shows on my credit report. {$1000.00} XX/XX/XXXX, the other one {$2300.00} XX/XX/XXXX. Im just asking for fairness, this is affecting the welfare of my children directly.
03/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PR
  • 007XX
Web
You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly
02/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 324XX
Web
Cavalry Portfolio Services LLC refuse to provide demanded verifications of the claimed alleged debt by providing copies of signed contract or credit application in direct violation of federal laws, continues and nonstop harassment, unlawfully without verification reported collection account on all tree credit bureau. Reference No : XXXX Reference No : XXXX
05/05/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60450
Web
On XXXX/XXXX/2015 they called and I spoke to a representative whom refused to provide further information as to the proof of the debt without a payment arrangement and payment account information from me. That call was at XXXX then I received an automated call at XXXX the same day. Just today I received XXXX automated calls within XXXX minutes of each other.
09/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32725
Web
I sent a certified letter to the Cavalry collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.
08/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22801
Web
I never received any information about the debt that the company bought to collect. I never received any phone calls, emails or mail about the debt they are trying to collect, but they reported it to the credit bureaus and its now on my credit report. I dont know how to contact them about the debt because I dont have any of the account info to look it up.
05/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 95341
Web
I wasnt noticed by either XXXX XXXX or Calvary portfolio of my account been sent to collection XXXX XXXX closed my account sold it to third party and now they are telling me I need to speak with them but why would my account be open I have never sing a paper for my account to be open I request for this to be close immediately and removed from my credit.
11/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29615
Web
calalry portfolio services, LLC says i owe them money and i have tried to resovled the problem because i dont know anything about this debt with cavalry portfolio services , LLC i dont have a contract with them i havent even signed any papers with them they have damaged my credit report for something i dont know anything about. they are invading privacy
08/24/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90275
Web
I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me.
04/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 79934
Web
The company just recently purchased the debt from XXXX on XX/XX/2019 and already suing me without notice. I believe they are now trying to sue because I am not allowed to properly dispute due to Corning virus and they have already showed up to my parents house and used scare tactics on them to get info. The debt collector is Calvary portfolio service.
07/10/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95758
Web Servicemember
This company is in violation of the Fair Consumer Protection Act. I have told them that the person they are looking for is not at my number. I have also told them the number they are calling is a cell phone, and that they may not contact this number. They ignored me and continue to call from different numbers. Numbers called fromXXXXXXXXXXXXXXXXXXXX
07/14/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48045
Web Older American
Had no prior notice of claimed debt or how much or why debt was owed. Suing company ( Calvalry SPV I LLC simply tried to serve summons notice via USPS mail and later sent summons server declaring there intentions to serve me summons. I only found out that I was being sued from attorney letter offering to help with law suit in letter dated XX/XX/2019.
07/15/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91745
Web
This is a debt that is over 6 years and Cavalry Portfolio Services is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
03/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75231
Web Servicemember
My identity was stolen and used for fraudulent accounts. XXXX XXXX XXXX Account number XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$4700.00} FTC Report Number XXXX
06/26/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 162XX
Web Servicemember
On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.
08/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 608XX
Web
I notice that this account has been sold twice to different companies. Cavalry Port filo Serv is collecting a false debt that is Fraud. As a victim of Identity theft I have to be aware. But the Credit Bureaus are not watching because they allowed this account on my credit. I need this account off my credit asap or this would result is legal issues
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 75227
Web
These accounts are reported with a lot of missing information. I would like them be removed from my report as soon as possible because it is really affecting my credit scores. I am wondering why you are allowing these kind of accounts being reporting in one 's file. This is unfair and very frustrating. Please help me out with them and remove them.
09/21/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • XXXXX
Web Servicemember
The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
07/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07094
Web
I have seen collections on my 3 Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.
02/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33407
Web
I owe this company no debt. Failure to verify. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. XXXX
02/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76115
Web
This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.
10/23/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20032
Web Servicemember
I was oringinally late making payment went into collection back XX/XX/XXXX but the account has been paid off since XX/XX/XXXX and they are still reporting my account in collections. I have repeatedly contacted them about this issue but they have replied back to me that they will not remove it from collections. It is reported in collections XXXX.
05/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80907
Web
Calvary Portfolio Services LLC contacted my mom XXXX XXXX XXXX XXXX and shared personal info about my debt, used robo calls sent to her phone ( that is on a do not call list ), and threatened a lawsuit against me to her if i didnt pay my debt. They also called my grandma ( XXXX XXXX XXXX and discussed my personal info and debt with her as well.
01/11/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • WV
  • 26505
Web
Calling at all hours, leaving rude unprofessional messages. Have attempted to use the web to view the debt in question they say I owe but their website goes to a dead link with no assistance. I would like to see the debt first, and they are not allowing me to see that information on paper opting to just call with no verification of debt owed.
08/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34743
Web
I have disputed these debts with XXXX, XXXX and XXXX XXXX without success in XXXX, XXXX The following collection : Cavalry Portfolio Services ( XXXX ) {$5800.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections
02/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60620
Web
I'm filing a complaint regarding a 3rd party collection agency, XXXX XXXX XXXX, XXXX XXXX In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine. Cavalry SPV {$1500.00}
05/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48601
Web
Cavalry Porting Services, LLC is reporting a collection account I am not responsible for due to identity theft. Amount : {$1400.00} XX/XX/2022 I sent a letter out to all 3 credit bureaus XXXX, XXXX, XXXX to investigate and it came back verified. They didn't provide any supporting documents such as original contract, my ID, my signature.
02/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 77075
Web
Cavalry SPV 1 LLC Assignee of XXXX XXXX sent a Constable to my home which is my spouses place of work. They didnt notify me 30 days prior that they were suing me. According to their records my last payment to XXXX XXXX XXXX ( the original creditor ) was XX/XX/XXXX. This debt is time barred and they have filed a court date for XX/XX/XXXX.
12/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 365XX
Web
I had a debt to calvary portfolio collected through payroll garnishment awarded to them through the XXXX county Alabama circuit Court. This account still shows as open and in collections with a balance of {$290.00} on my credit report. It has been disputed and they say that it is correct but I can not even get in contact with Calvary.
08/12/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92373
Web
This original credit card issued through XXXX XXXX XXXX account # XXXX in the amount of or close to {$90000.00}, has had no correspondences, payments and or activity on it in more than 6 years and the time statue in Ca at this time is time should qualify for collection agencies listed below NOT to be able to pursue any legal remedies.
05/27/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 95820
Web
This is a third party debt collector that has been sent written notification to not contact me. In addition, they purchased an old debt and the statute of limitations has expired on the original debt. They reported this debt and it is now on my credit history. The original debt is no longer on my credit history because it is that old.
12/15/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19135
Web
I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!
06/04/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94568
Web
The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).
01/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 77320
Web
The original creditor is XXXX and the collector is Cavalry portfolio services. This account has been closed in collection since XXXX. I just recently checked XXXX XXXX and it says it has been reopened XXXX XXXX. I never authorized my account to be reopened, never got a validation letter nor a notice of my account being reopened.
11/14/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30328
Web
Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.
05/06/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 620XX
Web
Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.
09/17/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CA
  • 91342
Web
I feel very disappointed because of a debt that now has affected my property with a lien on it with a summons I never authorize. Who ever took the summons documents never notify me so that I can negotiate with Calvary Portfolio. I feel violated of my rights under the Fare Debt Collection Practices Act and need an immediate answer.
09/03/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77022
Web
Cavalry XXXX reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 64130
Web
I have been trying to dispute the account that is listed below, and they are not taking it off. I am a victim of identity theft and I have properly submitted my FTC report and they will not remove. On XX/XX/2023, I submitted a FTC report on the account from Calvary Portfolio for {$3100.00}. Calvary Portfolio Acct XXXX XXXX XXXX
01/10/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
10/12/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 175XX
Web
I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.
02/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
01/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MS
  • 395XX
Web
This company was XXXX XXXX but the other company brought it from them which I had already contacted beat but about this was a stolen card had to do a police report and all and have to dispute it. But this other company brought it and took me to court without me knowing it are anything about it til after it was sign in court
05/23/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30214
Web
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
09/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34744
Web
in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}
09/09/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 232XX
Web Servicemember
Cavalry has been reporting erroneous debt information on my credit report and refuses to validate the debt. I have contacted them numerous times, most recently on XX/XX/XXXX and XX/XX/XXXX and still have not received validation and they continue to report and resume collection activities, all in clear violation on the law.
02/11/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 373XX
Web
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33165
Web
please i need help i been sending disputes and nothing has change i need this to be resolved. Im trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.
06/05/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30228
Web
On XX/XX/2019 a certified letter was sent to Calvary. I resquested calvary to validate the debt and provide me with info on how they claim I owe {$3700.00} how they came up with the obsurd amoun and to do not contact other than to validate the debt.. Not only was the debt not properly validated Calvary kept contacting me.
03/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70785
Web Older American
cavalry spv1.llc XXXX XXXX XXXX n.y. XXXX has place a collection account on my bureaus on XX/XX/2019 in the amount ofXXXX. they say the orig creditor is XXXX XXXX I have never entered into a contract with XXXX nor cavalry ending in XXXX I have requested three time a signed contract from cavalry and have not received it
03/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75056
Web
My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
02/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75212
Web
Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.
03/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 60620
Web
Original creditor was XXXX which was in the BK field XX/XX/XXXX which have a XXXX balance Cavalry Portfolio Ser bought the debt XX/XX/XXXX after BK was file and please in collection XX/XX/XXXX ask XXXX XXXX with a XXXX balance asked the original creditor this is a Reappearance of a trade line and after the BK was file.
09/18/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30310
Web Servicemember
I have never paid on this account XXXX / Calvary. The negative information on the account is more than seven years old. I live in Georgia so the negative information is six years. Cavalry has reported the debt as XXXX XX/XX/XXXX. I did not open this account in XXXX. Cavalry is reporting this account as it is open, too.
06/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78570
Web Servicemember
This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.
03/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 744XX
Web
I take Cavalry Spv I , LLC to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies XXXX XXXX XXXX debt collectors and that company sold was form XXXX the amount own XXXX
01/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • WA
  • 98221
Web
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
04/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94588
Web
In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.
09/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55406
Web Servicemember
I just recieved this letter from XXXX XXXX XXXX which is talking about an account with XXXX, XXXX now with Cavalry SPV I , LLC. I already informed XXXX of this account, that it was as a result of ID Theft and they stated to contact the collection agency it's " sold '' to and I have been unable to reach anyone there.
03/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92354
Web
I am having my paycheck garnished for a 10yr old {$9300.00} old debt that wasn't able to be settled between my self & the original bank. This debt is now owned by a new collector ( Cavalry SPV ) for a few hundred dollars, who is shaking me down/extorting me for {$9300.00}. Unable to pay rent & children school fees.
09/24/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60445
Web
XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.
12/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85022
Web Older American
Calvary Portfolio is a secondary collection agency that apparently purchased this debt from the primary lender. Calvary Portfolio never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.
04/16/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • WV
  • 26505
Web
Calvary Portfolio Servic is trying to say i owe a debt to them of {$4300.00}. When asked could they provide me method of verification and other documents to prove that i signed a contract with them, they didn't have any of this on file. there is no contract signed by me showing i accepted responsibilty for a debt.
03/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35242
Web
I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
08/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75010
Web Servicemember
This company continues to harass me, Calvary portfolio and XXXX regarding a debt that is not mine. The cards were opened by an ex with an affair, not paid from any of my personal accounts and no record of discussion with anyone regarding debts that are not mine. This is not my debt. Know nothing about the debt.
06/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WV
  • 254XX
Web
A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a XXXX XXXX Credit Card. He ran up the charges to {$1100.00} and now Cavalry Portfolio owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
04/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31206
Web Servicemember
ive been a victim of identity theft with a credit card from XXXX XXXX being collected on by cavalry portfolio recov i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report
08/22/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77346
Web
This company do not have a legal agreement with me this company have not provided me with nothing with my legal signature with them this company fail to send anything that shows that l have a collection with them with there name on its and do they had a legal contact with me with my signature attached with them
03/19/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63640
Web
Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.
09/16/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 34746
Web
On XXXX Calvary llc or a representative showed up to my mother 's residence and disclosed personal information. I am XXXX and she is not a part of my finances in any shape or form. Relayed to her that they are trying to serve me a civil action on behalf of XXXX. This is my so called business and none of hers.
02/03/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • PA
  • 17046
Web
i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.
11/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35404
Web
Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77044
Web
I contacted Calvary SPV on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees. Original credit is XXXXXXXX XXXX and amount owed is noted at {$820.00}
04/26/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19124
Web
Calvary Portfolio Service placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
03/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33155
Web
Cavalry portfolio services , LLC, has failed to provide any supportive documentation according to ; the Florida standard jury instructions of the state oXXXX XXXX XXXX XXXX XXXX XXXX of such debt. There is two accounts currently reporting on my credit report that I do not recognize. An FTC has been filed.
09/03/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33175
Web
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
03/28/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33145
Web
I try disputing the debt with the credit bureaus they're stating that the debt is mine when it is not my name is not XXXX XXXX it is XXXX XXXX XXXX. No idea who XXXX XXXX is I'm Requesting that the collection of this debt to be stopped and removed from credit bureaus as it is hurting my credit worthiness.
03/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 761XX
Web
Account XXXX from Cavalry Portfolio Services , LLC was added on XX/XX/2016 for {$740.00}. I have no contract with Cavalry Portfolio Services , LLC. I have never done business with this company. I am not liable with the debt from XXXX. I am not responible for the debt with Cavalry Portfolio Services , LLC.
08/19/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • IN
  • 46307
Web
Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. I have phone records showing the incoming calls from them. THIS IS HARASSMENT!
09/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • MD
  • 20748
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Cavalry Portfolio Services Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.
08/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 78023
Web
Cavalry Portfolio Services is reporting two collections accounts that they re-aged to the date they began collecting on them. These accounts are 7 years past their initial date of delinquency, however Cavalry has re-aged them to have an open date and a new account number so they appear as newer bad debt.
07/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95037
Web
I was notified of the debt threw a withholdings from my employment. They made the payments as per the notice yet the balance still shows as not paid in full and has been for over 2 months. They still claim a balance even though I have a letter of release and stop of withholding from the Sherifs office.
09/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70769
Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
04/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92395
Web
I went on XXXX XXXX and saw a new collection account for about XXXX. I called and they said there was an account opened with XXXX on XX/XX/22 which has gone to collection. Do did not open an account with XXXX of XX/XX/22. This a fraudulent charge. I have attached debt dispute file number with XXXX XXXX
04/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34743
Web
Hello, I have been contacted and harassed by a couple companies that I do not owe money to. Additionally, The credit reporting agencies won't remove it since the debt collectors have not conducted a proper investigation and just confirmed it is mine and they have not responded to me in the correct way.
06/29/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 752XX
Web
I have never done business with Cavalry Portfolio Services. I do it have a signed contract nor any contract with Cavalry Portifolio Services. I have the right to demand to request and obtain a validation of debt from Cavalry Portofolio Services since they are reporting a trade line on my credit report.
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38128
Web
I paid this account in full XXXX on XX/XX/2023 and the account is not showing paid in full of XXXX or closed. The account also said it was a partial payment which it wasnt. Ive put in multiple disputes, called the collector and the credit bureaus but nothing has happened nor a response to this issue.
04/05/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78109
Web Servicemember
Cavalry Portfolio Service is reporting an account placed for collection on my Credit Report for the last 5 years, 11 months. I have attempted to call Cavalry Recovery with no success. I have disputed the account through the credit bureaus as well, they are not working with them to verfiy the account.
12/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33569
Web
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. Please see attached exhibit.
11/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90746
Web
On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
05/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • 89106
Web
Cavalry Portfolio Services has placed a collection record on my credit account for a debt that was discharged and is not owed by me. They have also left messages on my phone vaguely threatening legal action in an attempt to collect a debt. The reported collection has negatively affected my credit.
02/08/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • MI
  • 493XX
Web
Constant harassment through phone calls and letters after I asked them to stop contacting me now an attorney debt collector is threatening me. Defamation of character. Cavalry Portfolio Services XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
05/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60538
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19904
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
02/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 354XX
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70460
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92410
Web
Cavalry Portfolio Services checks my credit twice a year in the past ten, verified by my XXXX XXXX XXXX from XXXX. They have no legal right to view my credit. They are stalking and violating the Truth in Lending of the FCRA. I seek that the FTC put a stop to their illegal entries into my file.
01/09/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 331XX
Web
I'm a XXXX that was abroad as and internship ; this card app did not accepted my payments from abroad and there was no way possible to apply payments or contact them from the country I was ; also as the balance went into red, they disable the app and i just couldn't get any more info about it.
04/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76001
Web Servicemember
Received a cancellation of debt form from Cavalry SPV I LLC. The address listed is an Arizona address ; I have never established residency in that state. Also the name has been transposed on the account with the last name first, which was my maiden name that I have not used in over 7 years.
04/26/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 90016
Web
I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.
11/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94520
Web
company is trying to collect a debt that at first was a medical debt and since they couldn't collect it as a medical debt now they have change the informacion in this account to keep on trying to collect the same debt, i have send documents asking to validate it, never got a response back
01/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30909
Web
CAVALRY PORTFOLIO SE has been sending me collection notices in the amount of {$6200.00} XXXX XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
04/29/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OK
  • 741XX
Web Servicemember
I get daily calls from Cavalry Portfolio about debt that is not my debt. They have given the name of the person that owes the debt. I have told them several times that I am not the person they are looking for, and have asked them not to call me. They still call and even leave voice mails.
08/03/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 32401
Web Servicemember
Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.
02/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10458
Web
I am very concerned because this company Calvary is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.
06/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43207
Web
THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
07/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85742
Web
My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.
11/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11208
Web
I first tried to contact company and was told to contact other phone numbers, left voicemails and was never contacted back. Im trying to settle this debt because it is affecting my credit, however, i dont seem to get in contact with the person or company that can help me move forward
04/20/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 761XX
Web Servicemember
I recently sent a request for validation not verification letter to Cavalry Portfolio Services , LLC. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.
07/22/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70068
Web
Cavalry Portfolio is attempting to collect a debt they allegedly brought from XXXX XXXX XXXX. I requested that they validate the debt and send me a signed contract or any proof that the account belongs to me. They have not sent me any documentation that the account belongs to me.
10/24/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 240XX
Web
I have tried to contact Cavalry portfolio services on several occasions in regards to a collections debt that is mistakenly on my credit report, they have not and will not send me a copy of the original debt to even determine if it is mine nor when it happened or what it is for.
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95661
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
01/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60423
Web
I have contacted the company and the collection agency regarding the error of this account and it being related to fraud. They both have failed to get requested documentation to me as well as respond to my written and verbal request to provide proof of the validation of debt.
03/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 92505
Web
Informed identity was compromised and to remove debt and was told no! Keep getting calls even changed number. Debt keeps being sold to collections agencys. Account is over 5yrs old. Making my credit be poor even though I have outstanding credit worthiness for a few years now.
11/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90746
Web
Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
04/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19124
Web
Calvary Portfolio Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
01/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30236
Web
This company continues to report an account on my credit report which can not prove this debt is mines. I told them i am a fraud victim. They continue to assist that i owe this debt from CAVALRY PORTFOLIO SERVIC. I reported an extended fraud alert on my credit on XX/XX/2014.
02/21/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • ME
  • 040XX
Web
I requested that Cavalry Portfolio validate the alleged debt. The agency insufficiently met is statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.
08/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93535
Web
Calvalry portfolio service at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
06/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38637
Web
I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.
09/18/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37918
Web
I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.
03/23/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77477
Web
Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.
12/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94597
Web
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.
10/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 92506
Web
On XX/XX/XXXX XXXX XXXX XXXX send me a letter on behalf of Calvary SPV LL saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.
07/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33155
Web
Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account. thanks
02/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11520
Web
IM REPORTING THAT THESE ACCOUNTS 1. CAVALRY PORTFOLIO SERVICE IN THE AMOUNT OF {$1000.00} THAT WAS OPEN ON XX/XX/2019 THIS ACCOUNT IS ON ALL 3 OF MY CREDIT BUREAUS THE ONE THATS ON MY XXXX ACCOUNT WAS OPENED XX/XX/2019. ITS A INQUIRY ON MY REPORT AS WELL XXXX XXXX XXXX
09/08/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11229
Web
Agency keeps calling me stating I owe them money for an account that they state was sold to them. I believe the debt not to be mine and am requesting a full validation of debt, original signed agreement with original company, and full list of all charges that were made.
02/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 79936
Web
I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and Cavalry ... Cavalry now seems to have sold the debt to another collection agency
03/31/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30088
Web
Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.
06/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 850XX
Web
Calvary Portfolio has placed a fraudulent account on my personal credit report. I have not ever transacted business with this company. I have not ever signed a contract with this company. I have not ever received an advancement of money or credit from this company.
12/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NY
  • 11207
Web
Cavalry SPV I , LLC ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This creditor is in violation of laws :15 usc 1692b ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 2 ) ,15 usc 1692g ( a ) ,15 usc 1666d ,15 U.S. Code 1692.
05/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 301XX
Web
Debt collection CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX No info provided to verify debt. Item place on credit report on XXXX with out my knowledge. Disputed with collection the credit bureau. Account stillto not verified
12/13/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NM
  • 87120
Web
Lawyer for the debt collector never served the defendant. Moreover, they only sent a letter of judgement from the court without the judges signature. Upon looking up the case in the state database, there has not even been a scheduled hearing let alone a judgement.
01/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75038
Web
Calvary filed a lawsuit against me without providing me with proof of a claim against me. They did not provide me with any information indicating that the alleged debt was valid. They reported on my credit report and now my credit score is suffering because of it.
10/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
I know nothing about this company or the debt they are trying to collect on. I am requesting BOTH verification and validation. See attached. I am also requesting a copy of the original agreement between the original creditor and I as I do not think it even exists.
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 088XX
Web
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation
09/28/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 483XX
Web
Calvary Portfolio Services has called my place of employment 5 times on XX/XX/2018. Calvary Portfolio Services calls my personal phone at least 10 times a day everyday I do not want Calvary calling my work or my cell phone and I have already asked them to stop!
11/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33160
Web
As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.
08/09/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 334XX
Web
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
03/30/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 92509
Web
Original Institution XXXX XXXX which has been deleted from all the credit reporting agencies, Cavalry is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete Cavalry from credit profile. Respectfuly, XXXX XXXX
08/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 302XX
Web
I sent this company a certified and registered letter asking for validation of debt. The company produced a bill that was not between me and or their company. The letter was received on XX/XX/21. Since then, I still have not received validation of this account.
08/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 33825
Web
XXXX, XXXX XXXX XXXX, XXXX. Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.
05/05/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MI
  • 49301
Web
Received notice of tax refund used for debt notice in the mail sent XX/XX/2023 by the Michigan treasury department for XXXX. I have not taken any action because I did not know I was being sued by XXXX XXXX I XXXX XXXX XXXX This debt is well over 20 years old.
08/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 314XX
Web
Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.
02/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30228
Web
I dont have no knowledge of any debt owed to any of these companies associated with the account names and numbers listed below. I do not owe them any money! Cavalry protfolio # XXXX Amount : XXXX XXXX XXXX # XXXX Amount : XXXX XXXX XXXX XXXX Amount : XXXX
11/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 471XX
Web
I have disputed this collection several times through the credit bureaus and directly to Cavalry Portfolio, which was never answered? I asked for documentation this is my obligation and the procedure of reinvestigation was done. No response from Cavalry!!!
07/26/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80015
Web
I had some low interest credit cards that I was using for my business but the rates quadrupled overnight and made it so i could no longer afford to make the payments. This rate hike was not something that was ever disclosed to me and it should not be owed.
06/21/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OR
  • 97404
Web
I have no idea what this is about, I do not have an account with this company. I have asked in writing for them to stop contacting me and now they are calling the owner of my company ( my boss ) divulging personal information in attempt to collect a debt.
06/15/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43016
Web
My judgement is for {$8000.00} + 5 % annually. My debt was purchased by Cavalry SPV. I have paid {$1000.00} in total payments. They tell me my balance is {$8300.00}. They will not tell me my beginning balance. And wont tell me where my payments have gone.
04/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07407
Web
Cavalry sent a letter regarding a debt which i have no knowledge of, i submitted a letter via certified mail letting Cavalry know this debt isn't mine. They have continued reporting this account on my credit reports for months and its affecting my credit.
03/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • PA
  • 164XX
Web
XXXX XXXX / cavalary portfolio is harassing me with phone calls, I have disputed the accounts with them because I am a victim of XXXX XXXX and these accounts were opened without my knowledge by my ex wife and I want them off my credit report and closed.
10/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11229
Web
My account with cavalry was settled in XXXX add I reached out to them a few times and they told me about it takes 30 days to have removed off about credit report it has been over 60 days and they are still reporting to XXXX XXXX that it's an open account
07/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92040
Web
I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.
01/07/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 115XX
Web
On XX/XX/XXXX this debt collector, CALVALRY, reported a collection action to my credit bureau however they first sent their letter to me XX/XX/XXXX! they violated the Fair Debt Collections Act by not first notifying me and allowing me 30 days to respond
06/02/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 117XX
Web
I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.
04/14/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85340
Web
I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you
02/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 130XX
Web
There's a negative listing on my credit report for {$1800.00}, which I disputed and it was listed as verified without providing me a copy of a contract signed or any supporting documents. This account is not mine and should be removed from my report.
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DC
  • 20018
Web
CAVALRY PORTFOLIO SERVIC did an unauthorized credit check on my XXXX report. This Account Review Inquiry is unrecognized by me. It's fraud, I don't have no account or did any online credit application. This matter needs to be addressed right away.
09/30/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76006
Web
Contacted them and told them never did any business with them, asked them what file they were collecting on and to give me the number to who I owe, they told me no, and if i didn't pay they could garnish my wages and report me to the credit bureaus.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • ID
  • 833XX
Web
I recently filed bankruptcy and two companies are still reporting the accounts being open and showing negative on my credit reports. Neither company showed up at the court hearing. I've filed disputes through XXXX XXXX and they are still on there.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95133
Web
I have a outstanding debt reported on my credit report that does not belong to me. The original bank has no record of the account, but the debt collection agency continues to call, mail and report this on my credit report, resulting in bad credit.
01/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21784
Web
I requested that Cavalry Portfolio Services provide proof of the debt owed or remove the debt from my credit report. The debt that doesn't belong to me on my credit report is {$1900.00}. They sent no proof and it still remains on my credit report.
06/30/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 710XX
Web
I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.
01/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 114XX
Web
I got a notice from Cavalry portfolio Services , LLC XXXX XXXX XXXX XXXX Az XXXX. For a debt from XXXXXXXX XXXX. I never ever have any account of any kind with the said bank. I tried to call then to clarify but they insisted I should pay any way.
12/15/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WV
  • 254XX
Web
I was called XXXX 3 times on my cell phone in 1 day, received XXXX call at work in which the gentleman was very rude to my receptionist and tried to say his call was " very urgent '' as well as calling my fiance 's cell phone all in the same day.
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29678
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX
04/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 328XX
Web
Calvary portfolio contacted my roommate who was listed on my account as an emergency contact and provided them with personal information around my accounts and the amounts owed. I have four accounts with them and they have him specifics and all.
12/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08817
Web
They have not validated the debt by producing a payment history and original contract of my signature. Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
03/04/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78621
Web
This company continues to send collection notices to us for a credit card debt that is at least 7 years old. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.
12/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed, I've filed this many times but nothing has changed on my report. This account is being reported inaccurately and incorrectly on my credit report.
12/01/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TN
  • 37918
Web
I have a collection account on my credit who was supposed to be included in my bankruptcy and XXXX. I want this issue to be resolved in the time manner and reported to all credit agency. Also not expecting anymore calls from collection agency.
08/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10940
Web Servicemember
This company is trying to collect a debt not mine and is just brushing of the fact that I had no oppertunity to validate debt .. they have not shown me my prof that makes the debt legally mine plus the debt is beyond the statue of limitations
09/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11219
Web
I am a victim of identity theft. I contacted Cavalry Portfolio Service and notified them that the account they are trying to collect is a result of the theft. It's now more than 30 days later and the account still appears on my credit files.
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90720
Web
I have ID theft and this account that is on my report does not belong to me. I have sent numerous letters to the collection agency and to XXXX and neither one of them have removed the account. I have a fraud affidavit that I have sent them.
04/23/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95757
Web
This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!
05/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37303
Web
Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, XXXX XXXX, uses several different collection agencies in an attempt to collect. The other account is Calvary.
01/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60423
Web
I have contacted the company and its representative several times about the fraudulent account and the nature of the account not belonging to me. I have not received the said documents that the attorney or creditor assured me that I would.
12/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SC
  • 29456
Web
This debt is not mine. I have no knowledge of debt that is attempting to be collected and I want it removed from my credit reports with XXXX, XXXX and XXXX. I want all collection actions to cease and do not want them sold nor transferred.
02/16/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34113
Web
I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.
06/17/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • TX
  • 76040
Web
Took Money that was not correct on an account that did not belong to me. And they sent me letters that no need to show up to court. I have emails asking for amounts they never responded back. Once they responded like a month or 2 later.
05/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 22306
Web
Balance {$1300.00} Highest Balance {$1200.00} Reported : XXXX. XXXX, XXXX Account status Open Type Unpaid Responsibility Individual Account. Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info
07/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 863XX
Web
I previously submitted complaint # XXXX about this same debt. Now Im being contacted by a new company stating that my account is subject to resumption of collection efforts. This debt is over 10 years old. How do I stop this harassment?
11/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80237
Web
Cavalry Portfolio Services was sold loan from XXXX on XXXX XXXX, 2012. The original amount of the loan from XXXX was {$6000.00}. Cavalry Portfolio Services is attempting to collect {$35000.00} on the original loan balance of {$6000.00}.
08/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33025
Web
To whom it may concern : I wrote Calvary a letter in regards to this debt that does not belong to me for {$4200.00}. They have not responded back to me I need for this to be removed from my credit report. Please see attached documents
09/02/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37912
Web
Calvary Portfolio Services has re-aged one of my accounts that is currently in collections. It was opened in XXXX but is showing on my credit report as opened in XXXX. This is illegal and is preventing me from receiving an auto loan.
03/03/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55427
Web
Cavalry Portfolio Service They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
04/01/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32127
Web
This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.
07/22/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 773XX
Web
This is a XXXX account and the last activity was back from 2006 which is past the statute of limitations to report but this company keeps on reporting. I have disputed with no results and this company continues to list. Please help
04/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33193
Web
This accounts appears on my credit report today. Its reporting that this account was opened in 2020 during convos. I never opened this account I want prove of debt and for them to remove this inaccurate fraud account immediately.
08/24/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 972XX
Web
Calvary Portfolio Svc added a fake/false payment to reage my account to be eligible for collection activity. I have not made any payments to this account in over 8 years. It 's past the 7 years for any type of collection activity.
10/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 775XX
Web
This debt is inaccurate. I have asked Cavalry to provide me with the original documents for this account and they have failed to do so. This account is re-aged and the amount has been changed. I do not owe what they are reporting!
09/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32901
Web
They still have refused to show me any original contract showing proof of debt owed further more I think it is ridiculous that they are allowed to verify dept without showing other parties what is being used to validate such dept
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10462
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
06/30/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • IL
  • 60445
Web
XXXX XXXX XXXX HIRED CAVALRY TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
12/31/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 752XX
Web
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
12/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • PR
  • 00667
Web
Since 2019, this is the last debt collector. Called, harassment me. Appears XXXX XXXX. Always was an mistakes never correct my last name. I lost my job in 2019, search for one. I don't have the lucky have a job. I can't paid.
04/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 342XX
Web
I paid off a collection account with Cavalry Portfolio for a bad debt and negotiated for it to be paid to remove. I have files several disputes to no resolution and it it staying on my account as a collection and not removed.
08/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 295XX
Web
Have asked Calvary portfolio for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!
11/04/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 350XX
Web Older American
Calvary Collections and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
06/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89701
Web
Good afternoon, Calvary Portfolio Serviced ( XXXX ) account ending in XXXX {$4000.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
02/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44108
Web
account was disputed but is still on my credit report as updated. I requested a requested copies of the verification process but was denied that information from XXXX, XXXX, XXXX and the collection agency Calvary portfolio.
11/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • XXXXX
Web Older American, Servicemember
account balance is incorrect, account has been settled thru negoations by XXXX XXXX XXXX, account number is a regenerated number and not the correct account number and account has been redated from the original account date.
07/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 77380
Web
I received a notice of justice court citation. The citation states that I was sued by Calvary SPV l , LLC, ASSIGNEE OF XXXX XXXX on XX/XX/2019. I am being sued for {$2200.00}. There are no actions taken by me at this time.
11/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11375
Web
CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.
04/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11221
Web
Calvary Portfolio threatened to sue me via XXXX XXXX. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 15301
Web
I have sent several letters to have these collections removed XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$390.00} Cavalry Portfolio {$920.00}
01/08/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75241
Web
I've disputed account on multiple occasions. Amount is not correct. Account was charged off and closed. I did not sign a contract with Calvary Portfolio. I do not owe Calvary. I did not take out anything with Calvary.
08/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60607
Web
I have been trying to contact cavalry SPV I LLC to ask for proof that i owe this credit card debt they purchased from XXXX. they have not provided it to me. i did not open any such credit cards or anything like that
03/02/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 722XX
Web
I disputed and ask for proof of alleged debt accuracy. The debt has different amounts on credit bureaus and open dates are wrong as well would like for account to be removed because of inaccuracies of alleged debt.
05/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11566
Web Older American
I have written to Calvary Portfolio on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continued to stonewall me and and not answer my request for validation as required by law.
09/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PR
  • XXXXX
Web
On XX/XX/2023 a new collection account was opened by XXXX Portfolio Services. I have no knowledge of this account, but I want them to supply me with all documents I signed when this account was originally opened.
03/22/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30122
Web
I have written multiple letters to this company asking for the account and the information on the account be validated. It is illegal for this company to continue to report information that can not be validated.
10/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IN
  • 46226
Web
On XX/XX/2022 I contacted this company for a debt that is not correct. I do not owe this company for no sort. Never signed a agreement with this company to do business. & the amount they say I owe is incorrect.
04/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46953
Web
Cavalry Portfolio Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
11/30/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91411
Web
Calvary spv. I Llc mailed me a court judgment / entry default in the amount of XXXX. I do not perfect this and have never received any collection notices nor phone calls. I was never served with a complaint.
04/24/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • FL
  • 346XX
Web
I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 364XX
Web
XX/XX/ called them and asked them what it was related to and given them the phone number they have been calling and they said they have not called, but I have messages where they have called and left messages.
12/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CO
  • XXXXX
Web
After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.
12/23/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 712XX
Web
I sent a certified letter requesting verification of the alleged debt. I have not received proper documentation. I also sent a letter requesting cease and desist and continue to receive calls from the company.
06/12/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93065
Web
I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02149
Web
I'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.
12/07/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • HI
  • 96818
Web Servicemember
My XXXX was called by Calvary Portfolio Services and was told I have a {$600.00} debt with XXXX. I do not have any debt with XXXX and there is nothing on my credit report that indicates I own them any money.
05/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76133
Web
The current account on my credit report is not mine I am a victim of ID theft I have sent an ID Theft Report this company has chosen to ignore my proof. They are blatantly disregarding FCRA and FDCP statutes
04/01/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • PA
  • 180XX
Web Older American
debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.
04/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • FL
  • 32907
Web Servicemember
I am being sued in XXXX by Calvary portfolio XXXX but I can not find the debt at all on my credit reports and if it is my debt its not in Florida its Georgia and I have never received any notice of the debt
06/29/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02301
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
01/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30047
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/18/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02324
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
09/25/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MN
  • 55105
Web
i have just received a copy of my credit report, it states that I had a judgment against me in XX/XX/2014. I do not know how I got this judgement against me as I was never given a notice to appear in court.
06/18/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • WV
  • 26554
Web
Today a fellow Co-work contacted me stating that a XXXX XXXX from Cavalry Portfolio Services was requesting to speak to me. They are contacting me at my place of employment and I know this is not permitted.
12/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
I have reached out to Cavalry Portfolio Services and requested information in which I have yet to receive a response. Cavalry Portfolio Services is XXXX XXXX of my rights as a federally protected consumer.
04/12/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90803
Web
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
04/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 604XX
Web
Account was listed by XXXX to be closed this month XXXX. Account is not closed but date was changed from XX/XX/XXXX to XX/XX/XXXX. Account has incorrect data and should be removed from my credit report.
01/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 363XX
Web Servicemember
This complaint is to remove multiple inquiries that I did not approve or initiate. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX
09/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77498
Web
( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. I called them and they keep saying they did n't but it 's clear they did because its on my report.
09/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92544
Web
I received a credit alert this company reported a remark, I never heard of them nor was notified by mail to dispute and given the chance to request validation. They just took away my rights, Please help
03/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92584
Web
On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
06/15/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43560
Web
I contacted this company via US mail in attempt to get them to validate this debt. The company has not responded nor provided debt validation. they have reported this account to all XXXX credit bureaus
12/12/2016 Yes
  • Credit card
  • Billing disputes
  • NY
  • 11214
Web Older American
XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! CAVALRY ; XXXX XXXX XXXX, NY XXXX.
05/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21237
Web
Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.
04/10/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 92064
Web
My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. And is now reflecting as a collection account on my credit report.
02/25/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85016
Web
Requested verification documents for Calvary, who claims to own the debt, and was only sent bills. I asked for a chain of title and was again only sent the bills. They will not send chain of title.
10/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33133
Web
XXXX XXXX XXXX Case Number XXXX is NOT my debt I never had a XXXX credit card and Calvalry is trying to sue me for something that is not mine. I never opened authorized or used a XXXX Credit card.
12/06/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11212
Web
Account number XXXX Legally paid in full This account was opened the X/XX/2015, Legally paid in full, I do not know why it is reporting as in collections and as a late payment on my credit report.
05/25/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19111
Web
This company keeps erroneously increasing the debt amount of a collection item on my credit report, which changes the aging and decreases my credit score. I submitted a written appeal on XX/XX/23
09/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34110
Web
I have written to Cavalry Portfolio Services LLC on three separate occasions asking them to verify the debt account they have purchased from XXXX. In all three cases they have failed to respond.
04/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MN
  • 554XX
Web
I have incorrect information reported on my credit report this is inaccurate and I need it remote and fix I have been a victim of identity theft and trying to rebuild my credit and protect it.
11/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33990
Web
XXXX recovery {$1800.00} Was close and pay off As of XX/XX/2018 They remove from my credit report then now back in XX/XX/2018 they add it back into my report from all three reporting companies
04/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 088XX
Web
I disputed a collection account that is listed on my credit report by CAVALRY PORTFOLIO SERV. XXXX XXXX XXXX, XXXX, AZ XXXX. They are attempting to collect an alleged debt that I do not owe.
07/20/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 920XX
Web
Calvary Portfolio is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.
11/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30318
Web Servicemember
I have items on my consumer report that are a result of an third party company trying to collect and debt and I have not done any business with them or signed contract with this third party.
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33594
Web
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT
07/27/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11367
Web
I sent Cavalry Portfolio Services a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.
03/03/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60653
Web
The debt is over 7 years and has inaccurate amount. Ive been receiving harassing calls and letters stating that I will be sued if I dont pay the amount. However its not the correct amount.
09/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 460XX
Web
Company keeps calling about a debt this is not mine. Have told them repeatedly not my debt and I don't know person the debt may belong to. XXXX. The name of the company is unknown to me.
04/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91403
Web
CAVALRY PORTFOLIO SERVICES reporting debts accounts on my credit file which have nothing to do with me. I never had any type of business with Cavalry and I am a victim of identity theft.
06/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33139
Web
Regarding : Account number XXXX Collection opened XX/XX/2020 Account type Collection The account is in litigation please remove it immediately. no proof of having applied for the card.
09/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • MS
  • 391XX
Web
Calvary portfolio attempted to sue me in the state of XXXX. They are garnishing my check. I was not notified until after they gatnished my check. I do not live nor own property in XXXX
06/27/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48180
Web
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report.
01/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 750XX
Web
Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!
09/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30038
Web
I DO NOT HAVE A CONTRACT WITH THIS DEBT COLLECTOR. DEBT COLLECTOR NEVER PROVIDED A CONTRACT BETWEEN ME AND THEM. I DO NOT VALIDATE THIS DEBT. DEBT WAS NEVER PROPERLY VALIDATED
06/16/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 19050
Web
I sent a debt validation letter to Cavalry Portfolio Services multiple and no response. However this company is reporting negative information to my all XXXX credit bureaus monthly.
04/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92223
Web
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
10/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 93307
Web
I have file disputes with Cavalry Portfolio Services in XXXX and I have yet to got a reply. I do not understand why this is taking so long. I hope you can help me on this issues.
01/22/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84078
Web
This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX
04/02/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11205
Web
Affidavit of Truth was sent out on XX/XX/2021. Response was received, however the response isn't correct. A Notice of Default and Opportunity to Cure was sent out on XX/XX/2021
01/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 750XX
Web
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.
08/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02860
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/05/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02780
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/16/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 027XX
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/05/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02740
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
10/13/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77449
Web Servicemember
They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.
04/16/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 14216
Web
Original company was with XXXX finance company on or about XX/XX/2015 and now owned by Cavalry port balance of {$9900.00} was changed off. The Debt is to old to Legally collect.
12/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 626XX
Web
Ive requested Information and I get none besides telling me I owe. And I get the run around on who had the information. Just show me my signature and prove to me this is mine.
12/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93704
Web
I just received an alert that an collection account that was part of my identity theft case is being report to my credit file. Calvary Portfolio Service Acct # XXXX {$6800.00}
04/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92065
Web
There is a hard inquiry on my XXXX report from Cavalry Portfolio Serv XXXX XXXX XXXX XXXX, AZ. Date XX/XX/2016. I did not authorize anyone from this company to run my credit.
11/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 14609
Web
On XX/XX/XXXX, Cavalry Portfolio Services sent a letter claiming that I owe a debt of {$3400.00} from XXXX. I never had a XXXX XXXX account or card so this debt is not mine.
01/20/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30157
Web
Debt collector continues to call my in laws over a debt. I have never lived with my in laws nor ever given out their number and they have nothing to do with the actual debt.
02/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77067
Web
CAVALRY PORT is claiming that I owe them {$2000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
01/09/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 331XX
Web
I enter into a payment plan but it was impossible to pay thru there website as i was leaving out of the country and there was no other way to contact them or send payments.
03/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60632
Web
XXXX XXXX from Cavalry Portfolio Services called for XXXX XXXX, another tenant in my building. She refused to give a contact phone number and disconnected when I insisted.
07/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95660
Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
12/12/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43026
Web Servicemember
XXXX by XXXX in XX/XX/2017. Lost job, currently unemployable. Collection company sends letter every 6 months. Latest collection amount roughly twice original debt owed
01/17/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22033
Web
{$180.00} will br collected by Cavalry SPV I , LLC, the charge is a fraud charge put on my XXXX XXXX XXXX card. The balance is sold to Calvary SPV I, LLC by XXXX XXXX.
03/04/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • XXXXX
Web
CAVALRY/XXXX refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • VA
  • 229XX
Web
CALVARY SPV 1, LLC WAS PAID IN FULL THROUGH GARNISHMENT AND NEVER SENT LETTER OF SARISFACTION TO XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ALSO
08/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94621
Web Servicemember
{$600.00} amount I disputed with the collection agency, they refused to delete. I have never entered into a verbal or written agreement or contract with this company.
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 229XX
Web
CALVARY PORTFOLIO XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!
04/01/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17057
Web
I am not disputing the Calvary Profolio account # XXXX any longer. It has been 9 years since it occurred it is past statue limitations. Sincerely XXXX XXXX ( XXXX )
07/15/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80226
Web Servicemember
Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90630
Web
On XX/XX/2023, spoke with XXXX with Cavalry SPV to make settlement arrangements. Please see attached. On XX/XX/2023, Cavalry negatively reported me to the bureaus.
04/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • XXXXX
Web
I asked for the company to validate the debt and proper validation was not given. Instead in XX/XX/2017 some kind of statement was sent and not an actual contract.
09/04/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71112
Web
although I paid the collection, I realized I NEVER had a contract with the collection agency. so im promptly that this collection be removed from my credit reports
01/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WI
  • 53218
Web
This account is very old and should have fallen off. this credit card was from XXXX XXXX from bank in XXXX i live in WI where the statue of limitation is 6 years.
02/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 76017
Web
In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.
07/19/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60445
Web
ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
03/18/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23602
Web
I received validation but no signed contract with this collection firm. I do not agree with the data on the statements or the date of charged off. Please assist
01/14/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 341XX
Web Older American
This debt no longer exists the original owner XXXX, has taken it off my credit report. Cavalry simply bought the debt and is trying to get some money from me.
06/03/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85138
Web Servicemember
I have submitted numerous disputes with Calvary Portfolio Agency to clear a debt that it not mine and I never received any written notification of this debt.
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43606
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/10/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • IL
  • 60620
Web
Continued to call and threatening me calling at different times and stating someone will be waiting on me with legal documentation outside of my home and job
03/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • XXXXX
Web
I have disputed a few accounts on my credit report. Because they are not my accounts. and they have refused to take them off or said I have to go to court.
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • SC
  • 294XX
Web
I sent several letters to Cavalry Portfolio, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
09/23/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60445
Web
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA AND SEVERAL CALLS AFTER DNT CALL AND CEASE AND DESIST ORDERS, HAVE VOICE AND ALL PHONE RECORDS.
02/22/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TN
  • 37221
Web
Creditor is trying to take me to court for a debt, which was discharged in bankruptcy. Creditor was notified by my bankruptcy attorney of the bankruptcy.
03/15/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NY
  • 11801
Web Older American
Statute of limitation expire but they keep harassing me sending me letters and calling me. I 'm a XXXX citizen just living from my Social Security check
05/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 070XX
Web
I am being harassed by this company and I do not owe any debt regarding their claims. I am being harassed and tortured nonstop by mails and calls.
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33935
Web
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.
01/09/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 43204
Web
XXXX XXXX account in 2011. They sent me letters saying they will garnish my wages and im being sued. I have sent out letters to dispute account
07/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • XXXXX
Web
Cavalry SPV l. LLC. a Junk Debt Buyer is trying to sue me for a very old debt. they are trying to sue a XXXX person on ssid = me. they are XXXX
03/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 660XX
Web
I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a response.
01/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 395XX
Web
I PAID OFF MY DEBT. I NEED MY CREDIT REPORT AND PUBLIC RECORDS TO REFLECT THIS. ALSO NEED THE JUDGEMENT REMOVED AT THE COURHOUSE. IMMEDIATELY.
10/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33709
Web
This collection is wrong and this is the wrong amount and its been in my credit report since 2017. I dont know nothing about this collection.
03/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • XXXXX
Web Older American, Servicemember
Calvalry portfolio services reporting incorrect information/ balances, account was settled by XXXX XXXX XXXX and paid according to terms.
03/19/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • XXXXX
Web
Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, fake numbers.
10/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60620
Web
i did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies
07/24/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • MA
  • 02138
Web
this number call me and stay on my credit history for while and call me if i don't pay money they will make me go jail and come to house
09/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29223
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
09/08/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 290XX
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
02/22/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10469
Web
The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with Cavalry Portfolio Services.
08/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 601XX
Web
This is not my account. The dates opened, last reported, and last active are all incorrect!!! You even fail to validate this account!!
04/12/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • NY
  • 10456
Web
I mailed a debt validation letter to Calvery Port for a XXXX Credit Card. However, I have not received a response in way over 30 days.
09/02/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77459
Web
i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report
01/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93534
Web
I sent out letter 's asking to please to verify the assumed account, they just keep sending out verified. I will enclosed documents.
08/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34746
Web
I have repeatedly told the collections agency please do not call me at certain hours. I do not have any recollection of such debt.
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43004
Web
CAVALRY PORTFOLIO SERVICE have file a complaint with the XXXX Police dept and the FTC please remove this Fraudulent account ASAP!
08/12/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78023
Web
Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.
08/23/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94602
Web
original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.
12/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30680
Web
Cavalry Portfolio has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this account.
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20018
Web
CAVALRY Bank is still reporting on my XXXX credit account. I do not have any recent existing bank with them anymore.
11/01/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 94124
Web
the law offices of XXXX sued me and got a judgement against me on time barred debt and now my check is being garnished
12/29/2015 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • OH
  • 454XX
Web Older American
Received a judgment in the mail from Cavalry Investment LLC no knowledge of debt. Judgement was filed in XXXX and XXXX
04/28/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 95901
Web
Sent a letter to a former address informing me of a debt with a random amount owed from a 2001 account that was paid!
10/07/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33029
Web Servicemember
I have no idea what the Calvery port is. Is {$3900.00} that has ruin my record and because if it I lost my home loan.
06/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11561
Web
this debt was paid off in full on XX/XX/2017 please update the truth this doesn't reflect that I infact paid it off
12/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • 89012
Web
Cavalry Portfolio Service, amount is $XXXX. I have disputed this account and I have no knowledge of this account.
03/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MS
  • 388XX
Web Older American, Servicemember
Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #
04/29/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 13601
Web Servicemember
Calvary Portfolio services Claims to have business done with me, never had business done with the stated company
09/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33709
Web
I ask for verification of debt. All I received was a statement from XXXX of 2022. Which I have never seen before
09/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30032
Web
This debt does not belong to me. Please remove it. I have already tried to rectify this issue with this company.
07/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30102
Web
XXXX XXXX account keep reappearing and unfairly resetting date for removal despite removal on several occasions
10/17/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72015
Web Older American
Legal Aid took this to court and it is Account Info deputed by consumer meets RCRA requirements in XX/XX/2016
09/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • XXXXX
Web
Received notification from Cavalry on XX/XX/19 in reference to an alleged balance owed to XXXX for {$1900.00}
04/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07013
Web
Failure to provide original verification for debt listed on credit bureaus within the time frame provided.
09/22/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60445
Web
COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 700XX
Web
I have tried to reach someone to pay the account and I have a mortgage pending. Everyone is unresponsive.
03/04/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33073
Web Servicemember
On XX/XX/2019 I mailed out a letter requesting verification and they had 30 days to submit verification.
12/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94303
Web
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
03/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30005
Web
This company and their attorneys are threatening to sue me for a debt that does not belong to me.
03/22/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • XXXXX
Web
No contract with them. No idea what this is even suppose to be a debt from. Clearly isn't mine.
04/13/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 331XX
Web
THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD
08/18/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94553
Web
The company is reporting that the account is open, but it has been closed and in collections.
12/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NY
  • 117XX
Web
I need the documentation i never received. also what debt is this? Original creditor please.
09/08/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94541
Web
Listing account as open, charged off by original debtor XXXX XXXX, last, last payment XXXX.
05/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90035
Web
Explained to the company that I did not open this account online and its not my account
08/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08861
Web
Account was opened fraudulently under my name. I do not own this account or the debt.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30052
Web
I paid off collection and am being told that they wont report to credit until 45 days
03/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 195XX
Web Older American
XXXX2014 -- -- - {$490.00}. reported on my credit report. told them this in not mine.
11/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34744
Web
THIS ACCOUNT ITS NOT MY ITS FRAUD. COMPANY : CALVARY PORTFOLIO ACCOUNT NUMBER XXXX
12/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90006
Web
I have unknown collections on my credit report which are not mine..And wrong address
06/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75159
Web
Cavalry portfolio services XX/XX/2014 {$370.00} it is reporting to the bureau twice.
12/29/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30350
Web
debt is past 7 years statues of limitations and should be removed from credit bureas
11/02/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 278XX
Web
They have been calling harassing me and I have no recollection about this account.
11/23/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • XXXXX
Web
STALKING AND HARASSMENT FOR COLLECTION PURPOSES MORE DETAILS IN THE ATTACHED FILES
09/25/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78573
Web
I Have requested documents from the bureaus! And I have not heard back from them!
05/06/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15236
Web
I never had a contract with cavalry Portfolio Services and I do not owe XXXX XXXX
07/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43201
Web
Cavalry Portfolio is attempting to Collect for a card that was identity thefted.
04/24/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28358
Web
Ca n't stop calling about 8 times a day and after XXXX XXXX XXXX XXXX .
07/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77088
Web
I disputed with bureau and within a few days it was " updated '' on my bureau.
05/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 93610
Web
i do not owe cavalry any money.. i do not have no contract with this company..
10/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60629
Web
I do not have a contract with this creditor, I am not liable for this account.
09/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07644
Web
Collection account for me credit report for amount {$11000.00} date XX/XX/22
08/03/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
The balance was around {$400.00} they want me to pay them around {$900.00}
07/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NJ
  • 07103
Web
I am being charged for a debt via a card I have never used or heard of.
07/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92129
Web
Debt is from deceased mother. RIP XXXX 2021. Thank you have a good day.
05/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75217
Web
Have checked my report and there are XXXX accounts that are not mine.
12/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75048
Web
Appears on my credit report and I have never done business with them
08/31/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78582
Web
I have request documents from the bureaus and I have been ignored!!
08/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19130
Web
please take this credit inquiry as this violates the fair care act!
05/19/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NV
  • 89014
Web
Requested validation and nothing received. Unknown debt and account
05/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33175
Web
I don't recognize this agency i don't have any contract with them.
10/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90059
Web Servicemember
I do not own this account not sure where it came please remove
12/09/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94555
Web
Settled in full, company is reporting as open collection item
08/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92021
Web
Issued a wage garnishment on a debt that is over 6 years old.
09/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91367
Web
my identity was stolen and used to open several credit cards
08/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10453
Web
The date those purchase were made I was outside the country
01/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75048
Web
I have disputed and disputed fraud. They will not remove
11/24/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72223
Web
Sent Several disputes advise and this was not my account
01/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92694
Web Servicemember
the account just showed up one day and i didnt open it
03/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 18045
Web
continues to show Delinquent account on credit report
02/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 441XX
Web
Repeated calls to numbers to me and family members
12/23/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77584
Web
these item on my credit reort do not belong too me
01/15/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • MN
  • 560XX
Web Servicemember
I have never signed a contract with this company
08/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 600XX
Web
cavalry potifolo was pay in full before collect
10/09/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89178
Web
The company has not replied to any of my mail.
07/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43213
Web Servicemember
Im not familiar with this credit card provider
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33056
Web
Remove all fraudulent accounts immediately
01/12/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CO
  • 80232
Web
Not my debt. Ex husband is responsible
11/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75126
Web Servicemember
Fraudulent charges made on account.
06/07/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10456
Web
Do not know what the debt is about.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77901
Web Servicemember
IMPROPER USE OF CREDIT REPORTING.
06/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77004
Web
was a victim of identity theft.
07/06/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60445
Web
IN VIOLATION OF FDCPA AND TCPA!
07/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77038
Web
RAN CREDIT WITHOUT PERMISSION
03/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30349
Web
The debt is not mine
05/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60636
Web
Not my debt
02/01/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91325
Web
01/30/2024 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34785
Web Older American, Servicemember
01/29/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 37129
Web
01/29/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80907
Web
01/28/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33314
Web
01/27/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CT
  • 06457
Web
01/27/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33010
Web
01/26/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30311
Web
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32908
Web
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 94124
Web
01/24/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30016
Web
01/24/2024 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90005
Web
01/24/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08807
Phone
01/24/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30274
Web
01/23/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91505
Postal mail
01/23/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30241
Web
01/23/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 78750
Web
01/23/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95826
Web
01/22/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30024
Web
01/22/2024 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60453
Web
01/22/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30180
Web
01/22/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 76209
Web
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08012
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • XXXXX
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11772
Web
01/20/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11520
Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23323
Web
01/16/2024 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • OR
  • 97116
Web
01/14/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22015
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19141
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32773
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19136
Web
01/09/2024 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • XXXXX
Web
01/08/2024 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 01089
Web Servicemember
01/08/2024 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NJ
  • 07205
Web
01/04/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15301
Web
01/04/2024 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 372XX
Web
01/01/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 388XX
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • ND
  • 58801
Web
12/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11229
Web
12/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02035
Web
12/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07302
Web
12/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 47032
Web
12/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PR
  • 00603
Web
12/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NV
  • 89149
Web
12/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75067
Web
12/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75067
Web
12/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75067
Web
12/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89701
Web
12/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10455
Web
12/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • GA
  • 30088
Web
12/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07083
Web
12/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • XXXXX
Web
12/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 064XX
Web
12/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 91911
Web
12/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11434
Web
12/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33321
Web
12/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • GA
  • 30319
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19023
Web
12/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21221
Web
12/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19540
Phone
12/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PR
  • 00617
Web
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71105
Web
12/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46403
Web
12/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48224
Web
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53226
Web
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94116
Web
12/06/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75248
Web
12/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NC
  • 27616
Web
12/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34212
Web
12/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85142
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33610
Web
12/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19129
Web
12/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77396
Web
12/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • DE
  • 19709
Web
11/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21221
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78541
Web
11/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 92009
Web Servicemember
11/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93551
Web
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36117
Web
11/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07660
Web
11/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NY
  • 12208
Web
11/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 32309
Web
11/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48207
Web Older American
11/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85297
Web
11/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91789
Web
11/08/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30331
Web Servicemember
11/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93551
Web
11/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11542
Web
10/29/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33401
Web
10/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28216
Web
10/24/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19131
Web
10/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95687
Web
10/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30680
Web
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48602
Web
10/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19702
Web
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33162
Web
10/19/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19124
Web
10/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63136
Web
10/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 79938
Web
10/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10940
Web
10/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08094
Web
10/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60171
Phone
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92078
Web
10/06/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • FL
  • 33140
Web
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77433
Web
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 22821
Web
09/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30017
Web
09/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60171
Web
09/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89074
Web
09/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30294
Web
09/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75070
Web
09/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06098
Web
09/23/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 550XX
Web
09/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95757
Web
09/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92570
Phone
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77630
Web
09/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 11220
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30030
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30030
Web
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15207
Web
09/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 95621
Web
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30294
Web
09/01/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • 94114
Web
08/31/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89052
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33027
Web
08/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78006
Web
08/25/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11575
Web
08/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 331XX
Web
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23234
Phone
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30344
Web
08/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77640
Web
08/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75038
Phone
08/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • NJ
  • 07480
Web Servicemember
08/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89044
Web
07/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46060
Web
07/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70560
Web
07/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85339
Web
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89149
Web
07/20/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 78550
Phone
07/16/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23805
Web
07/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92106
Web
07/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 77433
Web
07/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75503
Web Servicemember
07/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11218
Web
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 93420
Web
07/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76131
Web
07/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29170
Web
07/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 770XX
Web
06/28/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77489
Web
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 293XX
Web Older American, Servicemember
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30223
Web
06/25/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 86503
Web
06/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 71254
Web
06/23/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • CA
  • 95307
Web
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32307
Web
06/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 46368
Web
06/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11203
Web Servicemember
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 13166
Phone
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 13760
Web
06/15/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45458
Web
06/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07017
Web Referral
06/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94590
Web
06/09/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33027
Web Servicemember
06/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 81007
Phone Older American
06/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 78201
Web
06/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33196
Phone
06/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85194
Web
06/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48606
Web
05/31/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
05/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06050
Web
05/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48532
Web
05/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53206
Web
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 13601
Web Servicemember
05/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48124
Web
05/25/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11575
Web
05/24/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NJ
  • 07008
Web
05/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11225
Web
05/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27262
Web
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46375
Web
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95127
Web
05/08/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 62040
Web
05/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77406
Web
05/07/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • XXXXX
Web Servicemember
05/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 34786
Web
05/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33955
Web
05/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06110
Phone
05/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MI
  • 48051
Web
05/02/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • MD
  • 20850
Referral
05/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53208
Web
04/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 13601
Web Servicemember
04/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77054
Phone
04/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11414
Web
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 78253
Web
04/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07111
Web
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33023
Web
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33319
Web
04/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 55060
Web
04/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10308
Web
04/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MI
  • 48051
Web
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78253
Web
04/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77025
Web
04/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76542
Web Servicemember
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33311
Web
04/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92627
Web
04/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27262
Web
04/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33065
Web
04/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33672
Web Older American
04/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33140
Web
03/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23140
Web
03/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92708
Phone
03/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • SC
  • 29203
Web
03/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33032
Web
03/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30305
Web
03/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20720
Web
03/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76028
Phone
03/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20772
Web Servicemember
03/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33311
Web
03/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32222
Web
03/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 93702
Web
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 08094
Web
03/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10308
Web
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33441
Web
03/07/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70403
Referral
03/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60634
Web
03/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33055
Web
03/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33055
Web
03/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 74011
Web
02/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KS
  • 67217
Web
02/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MO
  • 63106
Web
02/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30344
Web
02/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MO
  • 65745
Web Servicemember
02/16/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33168
Web
02/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01844
Phone
02/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11550
Web
02/13/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NY
  • 11226
Web
02/10/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 95677
Web Servicemember
02/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34786
Web
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27410
Web
02/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33129
Web
02/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 65802
Web
02/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20784
Web
02/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34711
Web
01/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63845
Web
01/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11550
Web
01/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91942
Web
01/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91387
Web
01/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
01/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04268
Web
01/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37087
Web
01/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77005
Web
01/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33619
Web
01/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95757
Web
01/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89434
Web
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 18042
Web
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37415
Web
01/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77088
Web
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11003
Web
01/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33009
Web
12/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 61108
Web
12/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11776
Web Referral
12/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46835
Web
12/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33319
Web
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30274
Web
12/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 71106
Web
12/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33009
Web
12/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77459
Web
12/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30215
Web
12/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48210
Web
12/15/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11220
Web
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 11208
Web
12/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33823
Web
12/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06037
Web
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32217
Web
12/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33009
Web
12/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95827
Web
12/06/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75075
Web
12/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19022
Web
12/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78148
Web Servicemember
12/06/2022 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • OR
  • 97014
Web
12/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 72032
Web
12/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48204
Web
11/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30038
Web
11/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90044
Web
11/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33417
Web
11/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 07050
Web
11/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
11/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 74011
Web
11/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • ME
  • 04074
Web
11/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02780
Web
11/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46168
Web
10/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 34223
Web
10/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33157
Web
10/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33323
Web
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 80302
Web
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90012
Phone
10/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78258
Web
10/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • MS
  • 39272
Web
10/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21216
Web
10/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85018
Phone
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34471
Web
10/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 74011
Web
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77450
Web
10/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33321
Web
10/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30016
Web
09/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30263
Web
09/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75355
Web
09/26/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AZ
  • 85210
Web
09/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30214
Web Older American, Servicemember
09/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30318
Web
09/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19132
Phone
09/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 97128
Web
09/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93307
Phone
09/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90303
Web
09/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92620
Web
09/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92821
Web
09/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30038
Web
09/08/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90043
Web
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29407
Web Servicemember
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 71909
Web
08/31/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33179
Web Servicemember
08/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07208
Web
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 12180
Web
08/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30038
Web
08/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44001
Web
08/23/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60014
Referral
08/20/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 33411
Web
08/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • WA
  • 98020
Web
08/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30213
Web
08/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90601
Web
08/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 39825
Referral
08/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60411
Web
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72390
Web
08/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • DE
  • 19701
Phone Older American, Servicemember
08/10/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MD
  • 212XX
Web
08/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53189
Web Servicemember
08/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85295
Web
08/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77010
Web
08/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33016
Phone
08/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32222
Web
08/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WV
  • 26104
Web
08/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
08/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20747
Referral
07/31/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19120
Web
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45417
Web
07/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06105
Phone
07/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 77393
Web
07/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 91352
Web
07/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30342
Web
07/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • TX
  • 77515
Phone
07/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90250
Web
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91605
Web
07/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75602
Web
07/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48224
Web
07/14/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89134
Web
07/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29720
Web
07/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66216
Web
07/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66047
Web
07/07/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 94558
Web
07/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33411
Web
07/05/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35023
Postal mail
07/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • IL
  • 60013
Web
06/28/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10014
Web
06/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31558
Web
06/22/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76137
Web
06/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NH
  • 03465
Phone Older American
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28216
Web Servicemember
06/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70791
Web
06/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30106
Web
06/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PR
  • 007XX
Web
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • 60585
Web
06/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87110
Web
06/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • IL
  • 60646
Web
06/06/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 34691
Phone
06/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OH
  • 44903
Web
05/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90292
Web
05/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75033
Web
05/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30213
Web
05/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30606
Web
05/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35806
Web
05/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10314
Web
05/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39307
Web
05/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30349
Web
05/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15229
Phone
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33572
Web Servicemember
04/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19126
Web
04/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19720
Web
04/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19720
Web
04/22/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MI
  • 48203
Web
04/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33428
Web
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AR
  • 72215
Referral
04/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75229
Web Servicemember
04/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33326
Web
04/18/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11003
Phone
04/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 20785
Web
04/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33025
Web
04/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90292
Web
04/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33602
Web
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32812
Web
04/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28115
Web
04/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60620
Web
04/05/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46205
Web Older American
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MI
  • 48307
Web
03/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23452
Web
03/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89084
Web
03/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 92102
Web
03/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33610
Web
03/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76039
Web Servicemember
03/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85745
Web
03/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35016
Web
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • UT
  • 84025
Web
03/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MA
  • 01826
Web
03/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • 47905
Web Older American
03/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33301
Web
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • PA
  • 19115
Web
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77449
Web
03/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91203
Web
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • UT
  • 84025
Web
03/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 91977
Web
03/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 12180
Web
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33776
Web
03/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10469
Referral
03/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33428
Web
03/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33603
Web
03/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78641
Web Servicemember
03/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 34761
Web
02/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93105
Web
02/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63033
Web
02/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33027
Referral
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37323
Web
02/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30349
Web
02/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • UT
  • 84332
Web
02/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 92107
Web
02/15/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33025
Web
02/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90250
Web
02/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84025
Web
02/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33063
Web
01/28/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97123
Web
01/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11416
Web
01/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11416
Web
01/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33617
Web
01/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23222
Web
01/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90063
Web
01/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85353
Web
01/18/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11510
Web
01/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29420
Web
01/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30093
Web
01/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32120
Web
01/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77043
Web
01/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91214
Web
01/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11235
Web
01/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28273
Web
01/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NJ
  • 07094
Phone
01/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32832
Web
01/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 67207
Web
01/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35601
Web
12/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10032
Web
12/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11720
Web
12/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08012
Phone Servicemember
12/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95202
Web
12/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28273
Web
12/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91224
Web
12/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11793
Web
12/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11793
Web
12/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NM
  • 87124
Web Servicemember
12/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30355
Web
12/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35244
Web
11/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60619
Web
11/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34606
Web
11/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78520
Web
11/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68503
Web
11/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08234
Web
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29223
Web
11/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 52302
Web
11/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20850
Web
11/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19136
Web
11/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11590
Web
11/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11590
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19061
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94545
Web
10/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28120
Web
10/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70769
Web
10/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29681
Postal mail
10/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18302
Web
10/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 36610
Web
10/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29414
Web
10/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20716
Web
10/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 33952
Web
10/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11226
Web
10/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10473
Web
10/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75033
Web
10/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48336
Phone
10/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32120
Web
10/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15025
Web
10/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 71037
Web
10/06/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 11226
Web
10/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43232
Web
10/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43232
Web
10/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 77373
Phone
10/04/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30318
Web
09/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91331
Phone
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30518
Web
09/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33418
Web
09/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11434
Web
09/22/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30024
Web
09/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 452XX
Web Older American, Servicemember
09/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62205
Web
09/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10452
Web
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90010
Web
09/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90808
Web
09/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95993
Web
09/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 61107
Web Servicemember
09/09/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
Phone
09/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10033
Web
09/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93020
Web Servicemember
09/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75070
Web
09/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WV
  • 26104
Web
08/31/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11717
Web
08/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91605
Web
08/28/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90027
Web
08/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60411
Web
08/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60301
Web
08/24/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 92821
Web
08/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36870
Web
08/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NJ
  • 07036
Web
08/18/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10473
Postal mail
08/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73003
Web
08/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30331
Web
08/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02150
Web
08/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NV
  • XXXXX
Web
08/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 13219
Phone
08/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • GA
  • 30308
Web Servicemember
08/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11501
Web
08/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11207
Web
08/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IN
  • 46410
Web
08/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98106
Web
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11413
Web
07/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30024
Web
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98404
Web
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 38141
Web
07/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32829
Web
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55447
Web
07/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60067
Phone Older American
07/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94577
Web Older American
07/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48141
Web
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32824
Web
07/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AR
  • 72370
Web
06/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35040
Web
06/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11201
Web
06/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78230
Web
06/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 11415
Web
06/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11421
Web
06/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76179
Web
06/22/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29414
Web
06/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30268
Web
06/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90503
Web
06/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91402
Web
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91352
Web
06/14/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06475
Web
06/09/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95624
Web
06/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 20705
Web
05/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14871
Web
05/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • PA
  • 194XX
Web
05/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08087
Web
05/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08087
Web
05/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48507
Web
05/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 53105
Web
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36117
Web
05/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 31061
Web
05/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60302
Web
05/10/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98059
Web
05/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92123
Web
05/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33024
Web
05/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48197
Phone
05/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28314
Web
05/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10952
Web
05/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30189
Web
05/03/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93657
Web
05/03/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
05/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95341
Web
05/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48237
Web
04/29/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33156
Web
04/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92058
Web Servicemember
04/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11422
Web
04/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 13694
Web Servicemember
04/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33167
Web
04/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91401
Web
04/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11377
Web
04/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77573
Web
04/22/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17961
Web
04/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95209
Web
04/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49506
Web Servicemember
04/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49506
Web Servicemember
04/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49506
Web Servicemember
04/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49506
Web Servicemember
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92627
Web
04/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23464
Web
04/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78252
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27217
Web
04/08/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 95691
Web
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
Phone
04/08/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33024
Web
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08861
Web
04/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23320
Web
04/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10026
Web
04/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10031
Web
04/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30071
Web
04/01/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
04/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • IN
  • 470XX
Web
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30060
Web
03/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • SD
  • 57107
Web Servicemember
03/28/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78390
Web
03/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
03/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • PA
  • 19026
Web
03/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33147
Web
03/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PR
  • 00778
Web