23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card was stolen and someone used it on various things previously my identity was stolen ... further more i have all the polie reports for when my card was used dating back from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$38.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... XXXX {$680.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ... XXXX {$42.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$48.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Afterpay XXXX CA XXXXXXXX XXXX XXXX XXXX ... XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$38.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$42.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX WA XXXX CARD XXXXXXXX XXXX XXXX  XXXX {$210.00} PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$64.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$22.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$18.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Debt collection

I, XXXX : XXXX am speaking for myself in this claim. LVNV FUNDING is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. LVNV FUNDING is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to LVNV FUNDING for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting as I will fully exercise my rights and seek remedy in full.
Product: Checking or savings account

I made my first request to close my account ending in XXXX with TD bank back on XX/XX/XXXX. I was told that due to pending charges it could not be closed. So, after I stopped all the charges, I made a second request on XX/XX/XXXX and was told that once everything stops showing as pending the account would be closed in 2-3 business days. I checked back on XX/XX/XXXX after the alotted time to find that a charge had been made, which put me in the negative so I rectified it and then re-submitted a request for the account to be closed. I checked on XX/XX/XXXX and the account still had not been closed and made yet another request to do so and was told 2-3 business days. So, I checked back into the account on XX/XX/XXXX to find that the account had been closed. However, I checked back today XX/XX/XXXX to find that the account had been reopened. So, I called support only to be told the same story that there was nothing they could do and even though the account has not had any transactions posted in the last 3 business days that they simply have to wait another 2-3 business days to close the account. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I have requested from XXXX on several occasions since XX/XX/XXXX to send method of validation after they refused to remove an inquiry that was unauthorized. They keep trying to circumvent their way around Fair Debt Collection Practices Act, 15 USC 1692 and not properly address or fix this plight. And according to15 U.S. Code 1681i ( A ) ( 5 ) ( a ) a debt not verified in 30 days is deemed unverified. I have dispute letters set XXXX certified mail as early as the end of XX/XX/XXXX. That proves I have been asked for method of verification since that time which shouldve been provided within 30 days to which it has not been over XXXX months later.
Product: Debt collection

XX/XX/XXXX at XXXX called work when i asked them not to XX/XX/XXXX around XXXX, XXXX  called my work when i asked them not to XX/XX/XXXX- called my human resources department to confirm i worked there XX/XX/XXXX- at XXXX called me again at work when & asked them not when when I have already told them not to
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN BUSINESS CRED, REPORTED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THE FOLLOWING NON-MAILABLE ADDRESSE ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : 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  THE FOLLOWING IDENTIFIER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations please.
Product: Credit card or prepaid card

on XX/XX/2021, i asked chime bank to cancel two transactions because i never got the products, also i found out the companies were scams. chime bank gave me the money back, then about two days ago i received an e-mail stating that i received the products and then they took money out of my XXXX money, I never received the products, I then contacted XXXX, to check on the tracking no. They told me that this was the wrong tracking no. and no products were ever delivered to me. They also said to contact Chime Bank and have them call them XXXX XXXX XXXX and they would show them that it was the wrong tracking no. I tried to call chime bank and all i got was a busy signal and problems with their automotive service. I tried to e-mail them they wouldn't answer, INSTEAD THEY TOOK {$150.00} FROM ME WHICH THEY HAD NO RIGHT TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that needs to be removed immediately from my credit report
Product: Credit card or prepaid card

Since XX/XX/2019 I have been going back and forth with the credit card company ( global cash card ) because I called them and I told them I wanted to get my tax refunds loaded to my card I already filed and I had put that information down on my taxes. well they tell me that I have to send them a copy of my ID ( drivers license and my social security card so I do that and then I called back the following day because they told me it only takes 24 hours and now they are telling me that they're denying my case because my ID has my married name and my social security card my has my maiden name. well on XX/XX/XXXX I had went to Social Security office and got my name legally changed and I had to wait for it in the mail an when I was on the phone with them i told them it could take up to 2 weeks before I can give you my updated social security card because i was waiting for it to come in the mail. Now i recieved my card 3 days ago and i called them when i recieved it an they made me send them a pic of my new card with the updated info on it plus the paper from ss stating i did change my name. Now when i call to get a update they tell me i have to resend my information again ive sent them my info at least 10 plus times an they wont fix my account to where my refund can be direct deposited. An when i call now they say nothings been updated an hang up on me everytime now. Im scared i wont get my refund because they keep ignoring me an wont fix my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB dispute should be considered in addition to CFPB reports XXXX and XXXX, which were issued to Chase Bank and XXXX  Respectively. 

Since those disputes were filed on XX/XX/2018, my dispute directly with XXXX  has already been closed. See XXXX Report # XXXX, which I '' ve attached to this CFPB dispute, in which I'm told that my report has been " updated ''. The only " Update '' from before/after this dispute was submitted yesterday was that this month posted to the Chase Account in question as " current '', but the late payment in question from the month of XXXX remains completed unchanged. There was positively no information backing up the late payment status, and thus the dispute did not offer me any information or proof regarding the original intention of the dispute : to clear the late payment. I searched the report for any proof of wrongdoing and/or proof of not paying the account as agreed, and this was not provided to me. I request that this proof of wrongdoing is provided tio me within 30 days of the original dispute date ( Yesterday, XX/XX/2018 ), or else the dispute shall be resolved in my favor persuant to the Fair Credit Reporting Act, such that the accout in question is updated in the month of XX/XX/2018 from " 30-60 days late '' to " current ''.
Product: Checking or savings account

Victim of Identity theft. FTC  REPORT NUMBER XXXX these checking and savings accounts that were fraudulently opened by theft of my identity have not been closed after 4 months, over 9 demands to close and now Bank of America is charging service fees on these fraudulent accounts illegally. complaints to You, Federal reserve and office of the comptroller have been filed. They have been given all information, police reports etc ... CLOSE THESE FRAUDULENT ACCOUNTS DOWN NOW! Bank of America continues to send statements on these fraudulent accounts with another unknown persons name on it to my home. bank of America was notified on XX/XX/2019 via a phone call they made to me to verify if i had opened 2 online accounts in which i told them no! Bank of america has lied and lied and lied stating numerous times the accounts have been closed when you can clearly see they are not!!!
Product: Money transfer, virtual currency, or money service

On XXXX I sent {$750.00} twice via Cash App. Cash App didn't inform me that they would charge me a few however. I reached out to XXXX, my credit card company and they told me they didn't charge a fee, but Cash App did and I would have to contact them.
Product: Credit card or prepaid card

I was approved for a {$300.00} credit limit. Upon activating my card I was charged a {$75.00} annual fee. I want this waived as I have not even attempted to use this card.
Product: Debt collection

Today XX/XX/XXXX is the 3rd time PAB-HOLLISCOBB, has contacted my place of employment, I ask them to DO NOT CALL my work, earlier this week. Plus we have another employee w/ the same 1st name, and she received the call. They called again today, I know I have medical bills, due to XXXX XXXX injury in XXXX. However, the bill they are calling about should have been handled with my insurance, But my complaint is them continuing to call my place of employment after being ask not to.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit reporting, credit repair services, or other personal consumer reports

I had accepted a Settlement offer on a XXXX XXXX XXXX XXXX XXXX offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXXXXXX  CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Per my request to Wells Fargo I advised them in writing that I was mislead and mistreated on the day I purchased a car. I notified Wells Fargo verbally on multiple occasions expressing my concerns with their company. The contract was very Confusing and misleading per the fraud services that were added without my knowledge which was GAP insurance and extended service. This was in fact removed off of my contract by my complaint but it was already included in my price of my car leaving the dealership. I have been struggling with this complaint since the beginning of the contract speaking with those at Wells Fargo! I spoke with a representative due to a returned VM early 2021. I was advised that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call back in XXXX by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Wells Fargo is in violation of is :15 USC 1605-1692 Fair Debt Practices, 15 USC 1681 FCRA, 15 USC 1601-1667f Truth in Lending Act, 15 USC 1691 The Equal Credit Opportunity ACT, 15 USC 6801*6809 The Gramm leach BALILEY ACT USC 1605 states and 12 CFR226.3 : Transaction should be the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed. The amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. I am paying cash for my car loan monthly which this was already paid by my Estate per my bonded birth certificate. Also no cash transaction are legal on this loan per this law. The rep advised me this was NOT against the law which is incorrect! 15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing. At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind which by law I was also NOT provided in writing or verbally I am demanding this contract to be null and void per 12 CFR226.3 I know by law that I am not liable for any finance or other charges!