| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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NOTICE OF INTENT TO FILE FEDERAL LAWSUIT Re : XXXX XXXX XXXX ( Federal Race Code : 667 ) Dear XXXX XXXX, I am writing in my capacity as XXXX XXXX, representing the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am serving this notice, regarding your involvement in the unlawful conversion of his signature into a financial asset, professional negligence, and the damage he endured, from the unlawful conversion of his rights culminating in willful intent to inflict economic harm.
We demand that the full faith and credit of the United States be applied to the fabricated debt associated with the unlawful conversion and the subsequent violations of XXXX XXXX XXXX 's rights, in accordance with the United States Statutes at Large 8 Stat. 484-487 ; Treaty Series 244-2, in force since 1837. Furthermore, we are seeking compensation in the amount of $ XXXX to address the tort crimes that resulted in the counterfeiting of United States Securities in the name XXXX XXXX XXXX XXXX
We believe that your actions resulted in the following violations : Conspiracy to commit ; racketeering, Unlawful conversion, Intentional infliction of emotional distress, Intentional infliction of economic harm, Professional negligence ( malpractice ), Negligent misrepresentation, Breach of fiduciary duty, Sedition against the laws of the United States, Treason to deprive the rights of the Moors under Color of Law of 16 Am Jur 2d, Sec 177 late 2d, Sec 256, In addition, we assert that these actions resulted in violations of the following United States Codes : Title 15 U.S.Code 1691 ( a ) ( 3 ), 15 U.S. Code 1611,15 USC 1602 ( f ), 15 U.S.Code 1681s-2 ( 7 ) ( A ) ( E ) ,15 U.S. Code 1681o ( a ) ( 1 ) ,15 U.S.Code 1692 ( a ), 1692a ( 4 ), 15 U.S.Code 1692 ( a ) ( 6 ), 15 U.S.Code 1692c ( a ), 1692c ( c ), 1692c ( d ) ,1692d ( 2 ) 1692e ( 2 ) ( A ), 1692e ( 3 ), 1692e ( 8 ), 1692e ( 10 ) As a XXXX, XXXX XXXX is protected and exempted from conversion into duties and obligations to the United States and agency involving the Federal Reserve by the herein referenced statute albeit such conversion did occur pursuant to procedural and substantive due process violations of the United States d/b/a STATE OF ILLINOIS, the denial of these rights voids all legal records and debts, and XXXX XXXX and XXXX XXXX have taken benefit from the unjust enrichment funded by said conversion and thus owe a compensation for the unauthorized use thereof. The XXXX 's status is recognized by Article 6, Clause 1 as supreme law and equity by Amendment 7, which honors the individual sovereignty of man, whereas Article 1, Section 8, Clause 17, as an enumerated right limiting the United States authority to exercise exclusive Legislation in all Cases whatsoever, over such District ( not exceeding ten Miles square ) which does exclude the XXXX via statute required by law, and assert 's that XXXX XXXX XXXX has not entered into any contract knowingly acquiescing to such ten-mile square territory and has no evidence that DAKOTA FINANCIAL has done the same, thus conversion of his flesh into a commodity for the benefit of the UNITED STATES INC. citizen property is illegal and unjust. Should our demands not be met, we will proceed with filing a federal lawsuit against DAKOTA FINANCIAL for the violation of the rights and protections afforded to XXXX XXXX XXXX XXXX under the aforementioned statutes and constitutional provisions, as well as the aforementioned consumer violations.
Furthermore, we request that the $ XXXX be made as a contribution to our ministry being the XXXX XXXX once converted to XXXX Pesos and we will supply a receipt to facilitate the appropriate tax write off that DAKOTA FINANCIAL will not be subject to legal unpleasantries.
We strongly urge you to consider the legal implications and potential consequences of this matter and to take appropriate action to resolve it amicably.
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| 05/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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So I'll try give you an understanding. We originally were disputing the XXXX XXXX for the past couple months with XXXX from the day we picked up the truck in XXXX when it was supposed to be ready in XXXX, noticing body work that was promised wasn't done, and annual smoke inspection overdue. Took them a few days to get back with us, by then I noticed other problems wrong with the truck. After going back and forth with XXXX for the past couple months and having an attorney send a demand letter. They offered us {$8000.00} to shut up to wash their hands even though the total repairs are over {$11000.00}. We felt we had no other choice. We even pursued using the extended warranty which they say didn't cover any of the repairs needed to be done. So after calling our finance company Dakota Financial just to find out what was left on our loan of what we thought was a purchase and me bringing up the {$9300.00} down payment. We where told that that was not a down payment its a security deposit. The truck was listed at {$29000.00} with our insurance and extended warranty came up to about {$31000.00}. XXXX XXXX which is a separate entity from XXXX, which I see today ironically has the same address as XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX originally told us we were purchasing this truck that California had special laws and they had to write the contract up as such but they we are buying the truck. Dakota Financial said no we signed a lease agreement for 36 months at {$1200.00} which adds up to {$44000.00} and at that point we can purchase the truck for {$9300.00} which brings up to total of {$55000.00}. Had we known this we would have never 1. leased a used vehicle for this much 2. purchased a used truck for this much. I have emails from XXXX asking for the downpayment which insinuate we were putting a down payment for purchasing this truck. Also on the cover sheet of Dakotas Financial agreement it states down payment as well. From what I read a down payment is for the purchase of property not a deposit for a lease. We have since yesterday already emailed them asking them if they are saying this is a lease that we want to return the truck to Dakota and get a full deposit and any money I've put out for current repairs. Without fixing the rest of the repairs that we can't afford this truck will be broke down for good in less than a month. The truck has been at the shop since XX/XX/XXXX and we are supposed to get it back today if the over heating is fixed which I will have to pay about {$3500.00} but none of the other issues I can fix. This truck was supposed to be a Premium truck not an as is truck. But it appears to be worth nothing.
Attached is the lease agreement with Dakota Financial, screenshot of email from XXXX XXXX one of the emails of me reporting the issues to XXXX within the 15 grace period, copy of warranty, & a screenshot of one review out of several other bad reviews for Dakota financial I found on XXXX. So it sounds like this is a game all 3 companies have been running for a long time. We can't go after XXXX but as per the contract this truck belongs to Dakota & XXXX is the one that sold this to us which I've attached an email I sent to them this morning. It looks like XXXX left Dakota with a bad truck and Dakota financial had a bad sales man XXXX XXXX. Both XXXX XXXX and Dakota have ignored my emails. We would just like to return it and get all of our money back. So we can try to get out of this bad title loan we took out on our already paid off car. This truck was our only source of income for the time being and we have been without work for over a month now.
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| 12/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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XXXX XXXX XXXX XXXX I purchased equipment with XXXX XXXX XXXX when the seller was speaking to me I asked him how much the interest rate is? He said once you sign a contract with Dakota financial you will get an interest rate. I trusted him but what he was saying was wrong because he need a money. After signed the documents I didnt see an interest rate on the paperwork. I asked him again I dont see any thing on the paperwork he said again you will getting it once you come checking the truck and Dakota financial said first of all you have to come check the truck and the will shows the rate I trust him again. Thereafter I talk to dakota on phone call they said no interest rate on the paperwork we can shows if you agree with your seller. I left them I get back home in XXXX, TN from XXXX, MO. After getting back home I ask the seller to send me the down payment I paid to them he said no they changed their minds you can come back to pick up the truck they will put to interest rate, I ask asked him how much interest rate, he says I dont know they will let you know so now i request for payoff letter to see how much I owe them because I ask them again how much interest rate they told me again they are no interest rate and principal amount on the paperwork truck was {$89000.00} I paid {$23000.00} And monthly payment is {$2900.00} I pay on time But they gave me a payoff letter of {$110000.00}. before this they supposed to finance me {$66000.00} if you ask them where they $ XXXX {$23000.00} for Down payment total is {$160000.00} For the truck cost {$89000.00} and down payment of {$23000.00} What is the mistake i have done to get this penalty of the bank like this, please help me. Truck I bought it was as is I spent a lot of money to fix I work for 1 or 2 weeks and the truck is breaking down so Im so tired because the insurance need me truck as well my familys members Personal bills at home, I am not happy because I am going to stop my business, my job I like because of Dakota financial they told they will take it to the Auction and report me ni the collection but I dont fail to make a payment for my truck it because of them need more money from me I will work for someone else and everything will be okay.
Thank you for your support
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| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I am reporting this company because they have caused my income to come to a stop due to unlawful practices and infringement on my rights. I made a payment arrangement that was rescinded due to me exercising my rights. I want it to be on record that this company attempted to reposes my means of income without proper notice twice. The company they hired to reposes also caused damage to the equipment. I have not been able to use my truck to make money out of being in fear of the company continuing in unlawful or illegal practices in an attempt to defraud me more than they already have. I have listed below USC codes that explain the violations made by this company.
15 U.S CODE 1692j- false and deceptive forms 15 U.S Code 1635- right to rescission 15 U.S Code 1605- finance charge defined and what is all included 15 U.S Code 1635 ( f ) -right to rescind after 3 years if rescind paperwork was never furnished 15 U.S Code 1635 ( b ) -right to rescind and keep the property 15 U.S Code 1640 ( a ) -each violation is XXXX XXXX charge 15 U.S Code 1662 ( b ) - mixing cash with consumer credit transaction 16 C.F.R 433.1 ( d ) - purchase money loan. XXXX got a cash advance for using my social or credit card
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| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, XXXX, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 07/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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On XX/XX/XXXX I receive a notification saying There was a new inquiry, line of credit open on my credit report that I never took out. when I called them, they stated that this line of credit was open for three months and they never sent me nothing in the mail or it was never reported on my credit until today so I was trying to tell the manager Im a victim of fraud, and they need to remove this of my credit report because I dont think they ever ask these people to prove their identity when they took out this line of credit and if they did ask for proof, I need them to send me those information like a copy of my ID and my social
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| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with fair reporting act XXXX XXXX XXXX has violated my rights.
- 15 USC 1681 section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
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| 09/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX and dakota financial llc run my credit without my approval, i only authorized XXXX XXXX XXXX to run my credit.
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| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.
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| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I never authorized these XXXX companies the rights to pull my credit. I don't recognize any of them.
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| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
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Web |
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Phone |
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| 12/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 11/10/2022 |
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
|
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Web |
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| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 07/20/2022 |
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
|
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Web |
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| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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| 06/14/2022 |
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
|
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Web |
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| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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| 05/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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Referral |
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| 10/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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