23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting 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, 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 an 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I REQUESTED A MODIFICATION FOR MY HOME LOAN TO CARRINGTON MORTGAGE SERVICES, I STATED TO REQUEST THIS MODIFICATION ON  XXXX OF XXXX. THE REASON WHY I REQUESTED THIS MODIFICATION WAS BECAUSE OF I HAD FINANCIAL PROBLEMS WITH MY BUSINESS. ON THIS PERIOD OF TIME I MADE SURE I MADE AT LEAST NOT TO HAVE MORE THAN 3 PAYMENT IN A ROLE, SO THAT MY ACCOUNT DID NOT GO TO FORECLOSURE. FOR THE 3 MONTHS THAT I WAS BEHIND I REQUESTED TO SKIPPED UNTIL THE LAST PAYMENTS OF MY MORTGAGE .FINALY THEY PROVIDE ME WITH AN APPROVED LETTER SAY THAT THEY APROVE ME FOR A BALLOON PAYMEN SHALL MEAN A FINAL PAYMENT .THIS  WAS APPROVED IN XX/XX/XXXX JUST WHENT THE PANDEMIC OF COVID BEGAN. I STARTED TO LOOK OUT FOR HELP, AND THEY TOLD ME THAT I DID NOT QUALIFY FOR THE COVID 19 HELP, BECAUSE IT VAS A CONVENTIONAL LOAN, AND THEY SAY I HAD TO APPLY FOR ANOTHER MODIFICATION, I DON'T AGREE WITH THAT BECAUSE OF THE PANDIMIC HAS HAS AFFECTED ME FINANCIALLY AND I HAVE NOT BEEN ABLE TO WORK. IM TRING TO GET HELP AND GET MORE  TIME AND IM WORRIED I DONT ' WANT TO LOOSE MY HOME. I HAVE BEEN SENDING THEM LETTER, AND CALLING ALL THE TIME TO GET HELP AND THEY DON'T HAVE ANY ANWER, THEY ALWAYS TELL I NEED TO WAIT AND SEND SO MANY PAPER WORK OF THE SAME .AND I ALWAYS GET DIFFERENT ANSWERS. THE LAST TIME THEY TOLD ME THEY WHERE NOTE SURE IF THEY ARE GOING TO GIME ME THE HELP
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ).

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potential unfair, deceptive, or abusive acts related to consumer financial products or services.

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family.

I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter.

Respectfully,
Product: Money transfer, virtual currency, or money service

my friend sent me XXXX as a gift on XX/XX/XXXX and my account got frozen on XX/XX/XXXX because they asked for proof of income of gift giver, so i submitted his bank statement and XXXX tax return, and then they asked me again for it, so i told them that it was submitted already so they answered me on XX/XX/XXXX that they will get back to me within one business day so i called them again on XX/XX/XXXX and they told me they need one more business day, and as of XX/XX/XXXX i still did not got any answer from them
Product: Debt collection

Date the account was opened without my authorization : XXXX 2016 Amount they claim I owe : {$500.00} Actions I took first : Asked the companies for an investigation Actions the company took : They did an internal and a extensive investigation Company claiming that I owe them : Victoria 's Secret 2nd Company claiming that I also owe them : Comenity Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Experian, XXXX and XXXX have violated my rights. 

15 U.S. Code 1681a.2 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 a account without my written instructions.

11.4K 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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am reaching out to get this issue resolved because i cant get it resolved with Transunion, XXXX, and Equifax.After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft and informed the cfpb and all three credit bureaus in XXXX with proof and willing to prosecute. I have already notified my local police department and uploaded the police report from them.Please delete the following accounts from my credit report immediately! These items are stopping me from being able to succeed in life and get my family a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint today to inform the Credit Reporting Agencies that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX. I spoke with the lady at the bankruptcy court because my credit also has a banktupcy on there thats not mine. She clearly stated that there is no bankruptcy in their court system so please tell me how this happen. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity XXXX CFPB remove XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to Transunion, XXXX, and XXXX about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Transunion XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Tranunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my XXXX Credit report and not a Dillard 's account that was reporting as a charge-off. I sent a certified letter to Dillards dated XX/XX/XXXX as for verification and validation of the amount listed on my credit report. ( See attached letter ) I received a letter from Dillards dated XX/XX/XXXX, only providing me with none of the information that I requested for in my letter to them. They completely overlooked the information asked for in order to identify that this alleged charge-off truly belongs to me.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the 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 is not relating to any transaction by the consumer. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXBalance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX  Balance : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( OriginalCreditor : XXXX ) XXXX  Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  Inquiry 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 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: Student loan

I was frauded by XXXX XXXX XXXX and they were sued per the XXXX vs XXXX lawsuit and forced to repay millions of dollars to eliminate my student loans that were taken out because of false promises, lies, fraudulent marketing and falsifying their success rates of graduates and job placement. My loans have not been forgiven yet and I fall under the umbrella of the lawsuit and paying the loans back at this point is financially impossible for me and they shouldnt still be on my record due to the lawsuit. Some please help me.
Product: Credit reporting

They have not responded to my dispute. 
XXXX refused to respond to my complaint as well. This was identity theft by my ex-spouse, and we were divorced at that time. I still paid it in full to get it off my record, and then XXXX XXXX XXXX still sent it for collection a month later : Account Details Last Reported Apr XXXX, 2016 Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2016 Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$95.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt to obtain my consumer report from Equifax online through annualcreditreport.com. I have uploaded a screenshot of this last attempt. I am using the CFPB in hopes of obtaining my consumer report from Equifiax.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

Continuous attempts to refinance my mortgage to the point of harassment. Ive ignored the calls and recently spoken to a representative telling them that I will not refinance ever. They have ignored my requests and weekly attack me with offers.
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with XXXX collection agency or I never attended XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX there for which I would owe any XXXX fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I reached out to back to trust I asked about the obligation they have under me under the fat credit act I asked to be primary remove and security freeze delete all personal information
Product: Credit reporting

Please file below with Transunion. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX
Product: Debt collection

I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Pacific Credit Servies ( PCSCOLLECTIONS ) they did not provide with orignal contract as I requested.
Product: Credit card

I enrolled in a {$200.00} promotion for XXXX in early XXXX. On XXXX I made a purchase a XXXX which should have qualified for the promotion. I called in in early XXXX and they claimed that I never enrolled. However, I specifically remember going to the website clicking " Get Started '', agreeing to the terms and clicking " Enroll Now '' before doing the transaction. There is a problem with the Amex website enrollment.