Halsted Financial Services, LLC.

To Whom It May Concern, I am writing to formally demand that XXXX XXXX XXXX immediately cease and desist all communication with me regarding any alleged debt. Your repeated phone calls and emails are considered excessive and harassing. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request that you stop contacting me. Effective immediately, you are hereby instructed to : Cease all phone calls to my personal, work, or any associated numbers Cease all email communication Cease any other forms of contact, including text messages or third-party outreach You may only contact me further to confirm in writing that you will comply with this request, or to notify me of any specific legal action you intend to take.…

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I am filing this complaint regarding ongoing collection attempts by Halsted Financial Services , LLC for an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. On XX/XX/year>, I sent a written dispute and request for validation of this alleged debt via certified mail. This letter clearly stated that I dispute the debt and requested that all collection activity cease until proper validation was provided. Halsted Financial signed for and received this letter on XX/XX/year>, as confirmed by certified mail receipt. As of today, Halsted Financial has failed to provide any validation of the alleged debt. Despite receiving my dispute and validation request, Halsted Financial has continued to engage in collection activity by sending me text messages attempting to collect payment. These messages include settlement offers, payment plans, and statements suggesting escalation to legal action if the account is not resolved.…

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On XXXX XXXX, 2026, at approximately XXXX AM, Halsted Financial, a debt collection agency, unlawfully disclosed my personal and debt information to a third party with whom I have no legal or financial relationship. Halsted Financial contacted my daughters father, XXXX XXXX, and sent him a text message containing detailed information about my debt, including the creditor name ( XXXX XXXX Bank, XXXX. ), the current creditor ( XXXX XXXX XXXX ), my home address, and the amounts allegedly owed. XXXX XXXX is not my spouse, not a codebtor, not my attorney, and was never authorized to receive any information about my account. This disclosure was not made for permissible location purposes and included specific debt details, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). By disclosing my personal and debt information to an unauthorized third party, Halsted Financial violated my privacy rights and caused me emotional distress and embarrassment.…

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I am filing this complaint against Halsted Financial Services , LLC for reporting an inaccurate and inflated debt amount in violation of the Fair Debt Collection Practices Act ( FDCPA ). The original loan amount was {$4000.00}. Halsted Financial is reporting {$9000.00} double the original balance without providing any itemized documentation to justify the difference of {$4000.00} in alleged interest or fees. I have sent a formal debt validation letter via certified mail requesting full itemization and documentation. To date, the amount being reported is unsubstantiated and materially inaccurate. I am requesting the CFPB investigate this matter and require Halsted Financial to either validate the full claimed amount with proper documentation or correct the reporting to reflect the accurate balance.

* * Complaint Against : Halsted Financial Services , LLC / XXXX XXXXXXXX XXXX XXXX XXXX I am filing this complaint regarding an attempt to collect a debt that I have formally disputed and for which I have requested validation. On or about XXXX XXXX XXXX, I received a communication from Halsted Financial Services , LLC stating they are attempting to collect a debt on behalf of XXXX XXXX XXXX, originally from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX XXXX ), in the amount of {$13000.00}. I dispute this debt and have requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation including a copy of the original signed agreement, a complete account history, and proof that XXXX XXXX XXXX has legal ownership of this specific account, including a bill of sale and chain of title.…

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My issue with XXXX had did charge off without sending my vailted XXXX for taxes purposeI personal was contact about charge off need to dispute them, I am forward information need to remove off my credit report and my personal information to be remmove off the credit report, and also all negative report remove appreciated. Thanks.

Im seeing this account listed with multiple collection agencies. Before I make any payment, I need written verification that your company currently has the legal authority to collect this debt, I see halstead and resurgent both have the accounts I would like to know which one Its supposed to be under.

On or around XX/XX/year>, I was contacted via text message by a company attempting to collect a debt of approximately {$300.00} related to a XXXX account. The message included a link that displayed my name and alleged balance. I did not provide any personal information or make any payment. The same party also contacted me through my work email address, which is inappropriate and unwelcome. I reviewed my credit reports from all three major credit bureaus ( XXXX XXXX and XXXX ) and confirmed that my XXXX account is reported as paid/current with no outstanding balance and no collection account associated with it. I paid off this account previously, and there is no valid debt owed. The attempt to collect this amount appears to be based on inaccurate information or may be a scam. I have not been provided with any formal written validation of this debt.…

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XX/XX/XXXX I sent a formal Cease and Desist / Debt Validation letter via XXXX Certified Mail to Halsted Financial Services, LLC. The letter was delivered and confirmed received on XXXX XXXX XXXX, as evidenced by the returned XXXX XXXX (XXXX XXXX Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX).\n\nMy letter demanded:\n\nWritten confirmation of the debt within 15 days of receipt\nDeletion of any tradeline(s) from my credit reports within 30 days of receipt\nAs of today, XXXX XXXX XXXX XXXX days after confirmed delivery I have received no response whatsoever from Halsted Financial Services, LLC. They have failed to validate the debt, failed to cease collection activity, and failed to remove any tradeline(s) from my credit reports as demanded.\n\nFurthermore, I have documentation showing that the original account (XXXX Account XXXX) was sold by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, as confirmed in a letter I received directly from XXXX.…

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On XX/XX/year>, I received an unsolicited debt collection notice via text message from Halsted Financial Services , LLC ( Reference Number : XXXX ). The message contained a link to a PDF document intended for a " XXXX XXXX. '' I am the current subscriber of the phone number ( XXXX ) that received this message. I am not XXXX XXXX, and I have no relationship with this individual or the creditors listed ( XXXX XXXX XXXX / XXXX XXXX Bank, XXXX. ). The transmitted PDF contained the following sensitive information belonging to a third party : Full Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, CA Partial Account Number : * XXXX Debt Amount : {$690.00} Violations Identified : FDCPA Violation ( 15 U.S.C. 1692c ( b ) ) : The collector disclosed specific details of a consumer 's debt to me, an unauthorized third party. TCPA Violation : The collector sent automated collection materials to my cellular telephone without my prior express consent.…

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Halsted Financial Services has been emailing me 2 times a day Starting XXXX XXXX and have done it straight even today XXXX XXXX. They have constantly harassed me. The times and days are as follows 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 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 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 XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Halsted Financial Services XXXX XXXX XXXX XXXX, IL XXXX RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect.…

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I received a text message from Halsted Financial claiming they owned a previous debt of mine from XXXX XXXX. I have not done business with XXXX XXXX since XXXX and to my knowledge everything was paid off. I called XXXX on the XXXX of XXXX and they told me they dont use this collection agency and could not find anything I owed. Fast forward to the XXXX of XXXX and I received an email from XXXX XXXX claiming my account was sold to Halsted. This time when I called XXXX, I was repeatedly told that they could not tell me anything because my account had been sold. They refused to give me any information. I called Halsted and they refused to give me any information. When I told him I wanted to dispute the charge, the guy disconnected the call immediately. I was given no name, they didnt even answer the phone like a business.

Visit XXXX XXXX XXXX or call XXXX XXXX take advantage of payment options on your outstanding balance of {$670.00} for your XXXX XXXX Bank XXXX XXXX. ( XXXX XXXX ) account. Pay : - {$470.00} in up to XXXX monthly payments. XXXX % off, that's a savings of {$200.00}! - Payments as low as {$75.00} - {$670.00} in up to XXXX payments - XXXX time payment of {$670.00} This text is from XXXX XXXX, a debt collector. Reply stop XXXX opt-out

I am submitting this complaint regarding XXXX XXXX XXXX for attempting to collect and report a debt that has not been properly validated. XXXX XXXX is currently reporting a collection account on my credit report in the amount of approximately {$600.00}, allegedly originating from XXXX XXXX XXXX XXXX XXXX XXXX and reported around XX/XX/year>. I dispute the validity of this account and have requested proper validation of the alleged debt. To date, XXXX XXXX has not provided sufficient documentation proving that this debt belongs to me. Specifically, they have not provided a copy of the original signed agreement, a complete payment history, or documentation showing the chain of assignment from the original creditor to XXXX XXXX demonstrating that they have legal authority to collect this debt. Despite the lack of validation, XXXX XXXX continues to report this account to credit reporting agencies, which is negatively impacting my credit profile.…

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I am filing this complaint because XXXX XXXX is attempting to collect an alleged internet service debt that is over four years old, making it timebarred under Texas law. Attempting to collect a timebarred debt without proper disclosures may violate the FDCPA. Additionally, XXXX XXXX has not provided any legally required validation. I request full documentation of the original account, dates of service, itemized charges, and proof of assignment. Until such validation is provided, XXXX XXXX must cease all collection activity. If the account has been reported to any credit bureau, I request its immediate removal. I am requesting the CFPBs assistance in ensuring compliance with federal and state consumer protection laws.

Date : XX/XX/XXXX To : Halsted Financial Services / Compliance Dept. Address : XXXX XXXX XXXX XXXX XXXX XXXX RE : NOTICE OF CONDITIONAL ACCEPTANCE ; DEMAND FOR VALIDATION & FORMAL GRIEVANCE Ref # : XXXX | Current Creditor : XXXX XXXX XXXX | Original Creditor : XXXXXXXX XXXX XXXX XXXX ) To the Officers of Halsted Financial Services : I am in receipt of your electronic communication dated XX/XX/XXXX. I conditionally accept your claim for value, provided you strictly fulfill the following conditions of proof and demonstrate compliance with the Fair Debt Collection Practices Act ( FDCPA ) : PROOF OF DEBT & CHAIN OF TITLE : Provide a complete " Chain of Title '' from the original creditor to XXXX XXXX XXXX. Pursuant to 15 U.S.C. 1692g, I dispute the validity and amount of this alleged debt. UNAUTHORIZED ELECTRONIC COMMUNICATION : I have received an email from your office for which I did not provide prior express consent. Pursuant to 15 U.S.C.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Halsted Financial Services XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX RE : Request for Debt Validation Dear Halsted Financial Services, I am writing regarding an account. I am requesting verification and validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g. Specifically, I request : 1.The exact amount claimed, including any fees or interest. 2. The name of the original creditor and the date the debt was incurred. 3. Documentation showing that you are legally authorized to collect this debt. 4. Verification of the exact dates of first delinquency, last payment, and account opening/charge off. Since this account is not currently on my credit report, I request that you do not report this account to any credit bureau until you have provided the requested verification. Please respond in writing within the time allowed by law. I am keeping a copy of this correspondence for my records.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

On XX/XX/year>, I sent a written request for validation of an alleged debt to Halsted Financial Services. In that letter, I requested documentation proving that I am legally responsible for the alleged account, including documentation bearing my signature. The company has not provided the requested validation. Instead of responding to my validation request, the company continues sending collection emails to my email address. In reviewing these communications, I noticed serious inaccuracies. XXXX email is addressed to my correct name, while another email sent to the same address is addressed to a completely different individual named XXXX. This indicates that the company may be mixing consumer identities or attempting to collect debts that do not belong to me. Because of these inconsistencies and the companys failure to provide validation of the alleged debt, I dispute the account entirely.…

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I am filing this complaint regarding a collection claim from Halsted Financial Services , LLC for {$2200.00}, allegedly related to a XXXX XXXX XXXX account that was sold to XXXX XXXX XXXX ( account number XXXX ). To be clear, I do not recognize this debt, and I never authorized this reporting or collection in any way. The fact that this collection is still ongoing is extremely frustrating and mentally draining. I am being wrongfully harassed over an account that is not mine. Ive had no prior knowledge of this debt, and the lack of proper communication and documentation from Halsted Financial Services has only added to my frustration. This kind of treatment, where I am made to feel like a criminal for something I did not do, is unacceptable. It's unfair to be subjected to these actions, especially when I'm already aware of my rights under Florida law, specifically within XXXX XXXX, which provides protections against unlawful debt collection practices.…

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XX/XX/year> XXXX pm -Text Message [ My name ], your past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account is still with our office. Attorney placement is at the client 's discretion, and no attorney is on file today. Avoid further escalation by resolving online : https : XXXX or call XXXX. This message is from Halsted Financial, a debt collector. Reply stop to opt-out XX/XX/year> XXXX pm -Text Message [ My name ], we want to help you resolve your XXXX Card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. There's no attorney involved at this time, but our client may consider further action if the balance remains unresolved. Act now while it's still with us, make a payment at https : XXXX or call XXXX. This message is from Halsted Financial, a debt collector. Reply stop to opt-out XX/XX/year> XXXX pm -Text Message [ My name ], reminder, your XXXX Card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remains unpaid.…

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XXXX been receiving emails multiple times a day, including weekends, about a debt. The debt was already on my credit report, but recently XXXX been getting an email about it every single day so I believe that my information was sold to a company. XXXX never signed up to receive ANY email from the company, but at the bottom they are giving me the option to opt-out when I never signed up.

Halsted Financial began contacting me only after my Apple Card account was deleted from all three credit bureaus due to XXXX XXXX Bank XXXX failure or refusal to verify the tradeline. After the bureaus deleted it, the account was suddenly transferred or sold to Halsted Financial, which appears retaliatory and designed to continue collection activity despite the prior deletions. Halsted then began sending me repeated text messages threatening that my account would be reviewed for referral to a law firm in my state if I did not respond. These messages were sent before any mailed validation of the debt and continued even after I sent Halsted a certified dispute/validation letter. They have not responded to my letter, but they continue threatening legal escalation through XXXX. This conduct violates the FDCPA, including threats of legal action they have not validated, continued collection after a dispute, and deceptive implications that attorney involvement is imminent.…

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As we notified you, if we can not resolve this, we must return your XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) account to the current creditor for review to see if it meets their criteria for referral to a law firm in your state. XXXX XXXX XXXX, a debt collector, while there is still time to work with us. Visit XXXX XXXX XXXXXXXX or call XXXX. Reply stop to opt-out

Account : XXXX XXXX XXXX.. XXXX XXXX : XXXX The account were not properly investigated According to XXXX XXXX XXXX ( XXXX ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank You

I have discovered two collection accounts on my credit report from " XXXX XXXX XXXX '' ( managed by XXXX ) that I do not recognize and have never properly validated. The account numbers end in XXXX and XXXX. I have now received a collection notice from a third-party collector, Halsted Financial Services ( XXXX # XXXX ), attempting to collect on this unverified XXXX account. I am demanding strict validation of this alleged debt under the FDCPA. This debt buyer has failed to provide : 1 ) The original wet-ink contract bearing my signature. 2 ) The full chain of title showing the legal assignment of the debt from the original creditor ( XXXX XXXX ) to XXXX XXXX. 3 ) An itemized accounting of the balance including how fees were calculated. Without this strict proof, they have no legal standing to collect or report this derogatory information.…

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A debt collector ( Halsted Financial ) disclosed my debt information to a third party ( my mother ) via text message on XX/XX/year> from two separate numbers, including naming the creditor ( XXXX XXXX XXXX XXXX and providing a portal link that allowed her to view my balance and personal information using only my date of birth and a reference number that was already provided in said text. In addition to text messages, Halsted Financial sent a PDF document containing details of my alleged debt to a phone number belonging to my mother, further disclosing my personal financial information to a non-authorized third party. I have never provided this phone number to any parties involved in this case. This disclosure was made without my consent and appears to violate the FDCPA. I am requesting investigation and remediation. This disclosure caused distress and confusion for my family. I did not authorize Halsted Financial to communicate with any third party about my debt.…

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I am receiving repeated messages from a company regarding an alleged loan that I do not recognize. I have never knowingly applied for, authorized, or entered into any agreement with this organization. I would like them to provide written documentation that demonstrates my approval of this loan, including a copy of any signed agreement or contract bearing my signature. If they are unable to provide such documentation, they must immediately cease all collection efforts and delete this claim from my records.

On Monday XXXX second at approximately XXXX XXXX i started getting telephone calls from telephone numbers i did not recognize, i finally answered the phone and it was the rudest representative i have ever talked to, he started off by telling me if i did not pay the debt i allegedly owed the company would come after me and take legal action, i asked him to call me back in about an hour so i could do some research on this but i never received another call that day. I did reach out to my attorney and he told me to download a voice recorder app on my phone so i did and the following day i received another call from a representative from Halsted financial and this time it was a female and i told her our call was being recorded and she informed me that she was doing the same thing and proceeded to ask me how i was going to pay for the debt allegedly owed and i told her i need some kind of proof that it was mine and she stated that it has to be mine if it wasn't how did the company get my…

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