| {: , : {: {: [{: , : 0, : 150}], : [{: , : 151, : 233}], : [{: , : 234, : 397}]}, : {: [{: {: , : 234, : 397}, : {: , : 151, : 233}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 109}], : [{: , : 110, : 167}, {: , : 168, : 238}, {: , : 239, : 353}, {: , : 354, : 433}]}, : {}}, : []} |
| {: , : {: {: [{: , : 0, : 216}, {: , : 217, : 407}]}, : {}}, : []} |
| {: , : {: {: [{: , : 0, : 148}, {: , : 149, : 197}]}, : {}}, : []} |
| {: sold to another lender \, : {: {: [{: , : 0, : 188}, {: , : 189, : 286}, {: sold to another lender \, : 287, : 407}, {: , : 547, : 638}], : [{: , : 408, : 546}]}, : {: [{: {: , : 547, : 638}, : {: sold to another lender \, : 287, : 407}}, {: {: , : 547, : 638}, : {: , : 408, : 546}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 143}, {: , : 144, : 179}, {: , : 180, : 289}], : [{: , : 290, : 335}, {: , : 336, : 494}], : [{: , : 495, : 601}]}, : {: [{: {: , : 336, : 494}, : {: , : 0, : 143}}, {: {: , : 336, : 494}, : {: , : 144, : 179}}, {: {: , : 336, : 494}, : {: , : 180, : 289}}, {: {: , : 336, : 494}, : {: , : 290, : 335}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 209}], : [{: , : 210, : 334}], : [{: , : 335, : 359}, {: , : 360, : 387}, {: , : 388, : 464}]}, : {: [{: {: , : 210, : 334}, : {: , : 335, : 359}}, {: {: , : 210, : 334}, : {: , : 360, : 387}}, {: {: , : 210, : 334}, : {: , : 388, : 464}}], : [{: {: , : 0, : 209}, : {: , : 360, : 387}}, {: {: , : 0, : 209}, : {: , : 388, : 464}}]}}, : []} |
| {: taught \, : {: {: [{: , : 0, : 54}, {: , : 77, : 207}, {: , : 208, : 289}], : [{: , : 55, : 76}], : [{: , : 290, : 375}, {: taught \, : 376, : 489}]}, : {: [{: {: , : 0, : 54}, : {: , : 55, : 76}}, {: {: , : 208, : 289}, : {: , : 77, : 207}}, {: {: taught \, : 376, : 489}, : {: , : 77, : 207}}]}}, : []} |
| {: I didn' t receive the letter/invoice/statement \". A first class letter costs $0. 55 minimum (inclusive of postage, paper, and envelope). That cost does not include overhead and employee cost. Multiply that cost by the number of notices and statements already sent (and ignored) and you begin to see the true cost of collection.", "output": {"entities": {"testimony": [{"text": "My company calls, auto-dials, emails, and snail mails customers many times before they are sent to a collection agency.", "start": 0, "end": 119}], "fact": [{"text": "Many debtors simply refuse to respond to the original debtor.", "start": 120, "end": 181}, {"text": "They only make payment after the account is assigned to a collection agency--akin to seeing just how far they can go before there' s a consequence to not making payment.startendtextThe FDCPA requires the collection agency to send their first notice after the debt is assigned.startendtextAnd the single most frequently used excuse of any debtor is \.startendtextA first class letter costs $0. 55 minimum (inclusive of postage, paper, and envelope).startendtextThat cost does not include overhead and employee cost.startendpolicytextRequiring a validation notice from the owner of the debt should be optional on the creditor' s part.", "start": 352, "end": 452}], "value": [{"text": "More notices from the creditor are useless and expensive.", "start": 549, "end": 606}, {"text": "Multiply that cost by the number of notices and statements already sent (and ignored) and you begin to see the true cost of collection.", "start": 861, "end": 996}]}, "relations": {"reason": [{"head": {"text": "Requiring a validation notice from the owner of the debt should be optional on the creditor' s part.startendtailtextThe FDCPA requires the collection agency to send their first notice after the debt is assigned.startendheadtextRequiring a validation notice from the owner of the debt should be optional on the creditor' s part.", "start": 352, "end": 452}, "tail": {"text": "More notices from the creditor are useless and expensive.", "start": 549, "end": 606}}, {"head": {"text": "More notices from the creditor are useless and expensive.", "start": 549, "end": 606}, "tail": {"text": "A first class letter costs $0. 55 minimum (inclusive of postage, paper, and envelope).", "start": 719, "end": 805}}, {"head": {"text": "More notices from the creditor are useless and expensive.", "start": 549, "end": 606}, "tail": {"text": "That cost does not include overhead and employee cost.", "start": 806, "end": 860}}, {"head": {"text": "More notices from the creditor are useless and expensive.", "start": 549, "end": 606}, "tail": {"text": "Multiply that cost by the number of notices and statements already sent (and ignored) and you begin to see the true cost of collection.", "start": 861, "end": 996}}]}}, "schema": []} |
| {"input": "Would like to see regulators approve email as a method of delivery for notifications. Most people keep their email even when they change physical addresses. Harder on the post office but probably much more effective, with no-cost proof of attempted contact.", "output": {"entities": {"value": [{"text": "Would like to see regulators approve email as a method of delivery for notifications.", "start": 0, "end": 85}, {"text": "Most people keep their email even when they change physical addresses.", "start": 86, "end": 156}, {"text": "Harder on the post office", "start": 157, "end": 182}, {"text": "but probably much more effective, with no-cost proof of attempted contact.", "start": 183, "end": 257}]}, "relations": {"reason": [{"head": {"text": "Would like to see regulators approve email as a method of delivery for notifications.", "start": 0, "end": 85}, "tail": {"text": "Most people keep their email even when they change physical addresses.", "start": 86, "end": 156}}, {"head": {"text": "Would like to see regulators approve email as a method of delivery for notifications.", "start": 0, "end": 85}, "tail": {"text": "but probably much more effective, with no-cost proof of attempted contact.", "start": 183, "end": 257}}]}}, "schema": []} |
| {"input": "Bank of America, my mortgage holder, does NOT even allow a formal dispute to move forward. The past 12 months have been a continues headache with Bank of America. For example, our mortgage account have always been current, and never were we in Foreclosure status, nor even approaching default. However, every single month Bank of America reported to the three major credit bureaus that we were late. I' ve worked with their Military Liaison Officer on the resolution through phone calls, email messages, and formal letters but without success. Urgent Help/Assistance is needed for consumers to navigate and to resolve the problems that Bank of America is creating over simple and elementary issues of basic accounting procedures. Bank of America has the undue power of making reports to the credit bureaus which adversely affects the consumer. The Consumer lacks tools to challenge and fight back on Bank of America' s abuse of power.", "output": {"entities": {"fact": [{"text": "Bank of America, my mortgage holder, does NOT even allow a formal dispute to move forward.", "start": 0, "end": 90}], "value": [{"text": "The past 12 months have been a continues headache with Bank of America.", "start": 91, "end": 162}, {"text": "Bank of America has the undue power of making reports to the credit bureaus which adversely affects the consumer.", "start": 730, "end": 843}, {"text": "The Consumer lacks tools to challenge and fight back on Bank of America' s abuse of power.startendtestimonytextFor example, our mortgage account have always been current, and never were we in Foreclosure status, nor even approaching default.startendtextHowever, every single month Bank of America reported to the three major credit bureaus that we were late.startendtextI' ve worked with their Military Liaison Officer on the resolution through phone calls, email messages, and formal letters but without success.", "start": 400, "end": 543}], "policy": [{"text": "Urgent Help/Assistance is needed for consumers to navigate and to resolve the problems that Bank of America is creating over simple and elementary issues of basic accounting procedures.", "start": 544, "end": 729}]}, "relations": {"reason": [{"head": {"text": "The past 12 months have been a continues headache with Bank of America.", "start": 91, "end": 162}, "tail": {"text": "For example, our mortgage account have always been current, and never were we in Foreclosure status, nor even approaching default.", "start": 163, "end": 293}}, {"head": {"text": "The past 12 months have been a continues headache with Bank of America.", "start": 91, "end": 162}, "tail": {"text": "However, every single month Bank of America reported to the three major credit bureaus that we were late.", "start": 294, "end": 399}}, {"head": {"text": "The past 12 months have been a continues headache with Bank of America.", "start": 91, "end": 162}, "tail": {"text": "I' ve worked with their Military Liaison Officer on the resolution through phone calls, email messages, and formal letters but without success.startendheadtextUrgent Help/Assistance is needed for consumers to navigate and to resolve the problems that Bank of America is creating over simple and elementary issues of basic accounting procedures.startendtailtextBank of America has the undue power of making reports to the credit bureaus which adversely affects the consumer.startendheadtextUrgent Help/Assistance is needed for consumers to navigate and to resolve the problems that Bank of America is creating over simple and elementary issues of basic accounting procedures.startendtailtextThe Consumer lacks tools to challenge and fight back on Bank of America' s abuse of power.", "start": 844, "end": 934}}]}}, "schema": []} |
| {"input": "Most landlines and cell phones have caller ID technology; if the number comes up showing a toll-free number or an unknown caller, many consumers will let such calls go to voice mail. Voice mail messages need to be discreet. No one needs their kids hearing messages from debt collectors. Anyone returning a call regarding a voice mail message should be informed by a live customer service rep of the mini Miranda warning. This should be done only after the person returning the call to the collector verifies his or her identity as the debtor.", "output": {"entities": {"fact": [{"text": "Most landlines and cell phones have caller ID technology;", "start": 0, "end": 57}], "value": [{"text": "if the number comes up showing a toll-free number or an unknown caller, many consumers will let such calls go to voice mail.", "start": 58, "end": 182}, {"text": "No one needs their kids hearing messages from debt collectors.", "start": 224, "end": 286}], "policy": [{"text": "Voice mail messages need to be discreet.", "start": 183, "end": 223}, {"text": "Anyone returning a call regarding a voice mail message should be informed by a live customer service rep of the mini Miranda warning.", "start": 287, "end": 420}, {"text": "This should be done only after the person returning the call to the collector verifies his or her identity as the debtor.", "start": 421, "end": 542}]}, "relations": {"reason": [{"head": {"text": "Voice mail messages need to be discreet.", "start": 183, "end": 223}, "tail": {"text": "No one needs their kids hearing messages from debt collectors.", "start": 224, "end": 286}}]}}, "schema": []} |
| {"input": "I' m with Massachusetts on this one. Repetitive and robo-calls are annoying and not productive. Another fact about robo-calls is that their messages often start in the middle, or maybe this is done on purpose. When it has happened to me, I just hang up. Policies regulating the number of contacts made within a specific time period should include all modes of technology.outputentitiesvaluetextI' m with Massachusetts on this one.", "start": 0, "end": 36}, {"text": "Repetitive and robo-calls are annoying and not productive.", "start": 37, "end": 95}, {"text": "or maybe this is done on purpose.", "start": 176, "end": 209}], "fact": [{"text": "Another fact about robo-calls is that their messages often start in the middle,", "start": 96, "end": 175}], "testimony": [{"text": "When it has happened to me, I just hang up.", "start": 210, "end": 253}], "policy": [{"text": "Policies regulating the number of contacts made within a specific time period should include all modes of technology.", "start": 254, "end": 371}]}, "relations": {"reason": [{"head": {"text": "I' m with Massachusetts on this one.startendtailtextRepetitive and robo-calls are annoying and not productive.startendheadtextI' m with Massachusetts on this one.", "start": 0, "end": 36}, "tail": {"text": "Another fact about robo-calls is that their messages often start in the middle,", "start": 96, "end": 175}}, {"head": {"text": "When it has happened to me, I just hang up.", "start": 210, "end": 253}, "tail": {"text": "Repetitive and robo-calls are annoying and not productive.", "start": 37, "end": 95}}]}}, "schema": []} |
| {"input": "I am not a lawyer, but I have noticed that credit card agreements often contain statements advising consumers that if suit is brought, it will occur in a specified jurisdiction or \" as provided for by law. \" At the point where collectors start suing consumers is where many consumers say enough and hire a bankruptcy attorney. The only winner in that situation is the bankruptcy attorney.", "output": {"entities": {"testimony": [{"text": "I am not a lawyer,", "start": 0, "end": 18}], "fact": [{"text": "but I have noticed that credit card agreements often contain statements advising consumers that if suit is brought, it will occur in a specified jurisdiction or \" as provided for by law. \"", "start": 19, "end": 207}], "value": [{"text": "At the point where collectors start suing consumers is where many consumers say enough and hire a bankruptcy attorney.", "start": 208, "end": 326}, {"text": "The only winner in that situation is the bankruptcy attorney.", "start": 327, "end": 388}]}, "relations": {}}, "schema": []} |
| {"input": "I can' t comment on any of this, but it would seem appropriate for Federal law to establish a framework of requirements for states to meet. This would level the playing field for debtors and creditors in all states. and would provide an equal basis for states to proceed with adding or amending their own laws affecting debt collection lawsuits.outputentitiesvaluetextI can' t comment on any of this,", "start": 0, "end": 32}, {"text": "but it would seem appropriate for Federal law to establish a framework of requirements for states to meet.", "start": 33, "end": 139}, {"text": "This would level the playing field for debtors and creditors in all states.", "start": 140, "end": 215}, {"text": "and would provide an equal basis for states to proceed with adding or amending their own laws affecting debt collection lawsuits.", "start": 216, "end": 345}]}, "relations": {"reason": [{"head": {"text": "but it would seem appropriate for Federal law to establish a framework of requirements for states to meet.", "start": 33, "end": 139}, "tail": {"text": "This would level the playing field for debtors and creditors in all states.", "start": 140, "end": 215}}, {"head": {"text": "but it would seem appropriate for Federal law to establish a framework of requirements for states to meet.", "start": 33, "end": 139}, "tail": {"text": "and would provide an equal basis for states to proceed with adding or amending their own laws affecting debt collection lawsuits.", "start": 216, "end": 345}}]}}, "schema": []} |
| {"input": "I believe the original consumer applicant on an account has the right to know if an authorized user is delinquent on her or his payments as it affects the original applicant' s credit standing. As for telling authorized card holders about the original account holder' s default, I would say this is not a good idea. Many parents provide their kids with a credit card, but would not want the credit card company contacting their kids about the parents' debt.outputentitiesvaluetextI believe the original consumer applicant on an account has the right to know if an authorized user is delinquent on her or his paymentsstartendtextas it affects the original applicant' s credit standing.", "start": 137, "end": 193}, {"text": "As for telling authorized card holders about the original account holder' s default, I would say this is not a good idea.startendtextMany parents provide their kids with a credit card, but would not want the credit card company contacting their kids about the parents' debt.", "start": 316, "end": 457}]}, "relations": {"reason": [{"head": {"text": "I believe the original consumer applicant on an account has the right to know if an authorized user is delinquent on her or his payments", "start": 0, "end": 136}, "tail": {"text": "as it affects the original applicant' s credit standing.startendheadtextAs for telling authorized card holders about the original account holder' s default, I would say this is not a good idea.", "start": 194, "end": 315}, "tail": {"text": "Many parents provide their kids with a credit card, but would not want the credit card company contacting their kids about the parents' debt.startendschema |
| inputThere should be a federal rule prohibiting collectors from reporting information to a CRA during the 30-day window. There are automated processes in place with many collectors where they will generate 4 collection letters at one time, including the one where they tell you that they have reported you to a CRA. And then they will mail all those to letters (all dated on the same day) to you at the same time. And this is done without any debt verification whatsoever.outputentitiespolicytextThere should be a federal rule prohibiting collectors from reporting information to a CRA during the 30-day window.startendfacttextThere are automated processes in place with many collectors where they will generate 4 collection letters at one time, including the one where they tell you that they have reported you to a CRA.startendtextAnd then they will mail all those to letters (all dated on the same day) to you at the same time.startendtextAnd this is done without any debt verification whatsoever.startendrelationsreasonheadtextThere should be a federal rule prohibiting collectors from reporting information to a CRA during the 30-day window.startendtailtextThere are automated processes in place with many collectors where they will generate 4 collection letters at one time, including the one where they tell you that they have reported you to a CRA.startendheadtextThere should be a federal rule prohibiting collectors from reporting information to a CRA during the 30-day window.startendtailtextAnd then they will mail all those to letters (all dated on the same day) to you at the same time.startendheadtextThere should be a federal rule prohibiting collectors from reporting information to a CRA during the 30-day window.startendtailtextAnd this is done without any debt verification whatsoever.startendschema |
| inputSome useful documents would be the last three collection notices ACTUALLY sent to the consumer. Too many collection agencies have claimed they sent me regular notices regarding the debt when I have not have any contact with them for 2-3 years. But they claim they have \ that claim otherwise. Yet, there is no supporting documentation of such efforts. like say, copies of the notices.outputentitiesvaluetextSome useful documents would be the last three collection notices ACTUALLY sent to the consumer.startendtestimonytextToo many collection agencies have claimed they sent me regular notices regarding the debt when I have not have any contact with them for 2-3 years.startendtextBut they claim they have \ that claim otherwise.startendtextYet, there is no supporting documentation of such efforts. like say, copies of the notices.startendrelationsreasonheadtextSome useful documents would be the last three collection notices ACTUALLY sent to the consumer.startendtailtextToo many collection agencies have claimed they sent me regular notices regarding the debt when I have not have any contact with them for 2-3 years.startendheadtextSome useful documents would be the last three collection notices ACTUALLY sent to the consumer.startendtailtextBut they claim they have \ that claim otherwise.startendheadtextSome useful documents would be the last three collection notices ACTUALLY sent to the consumer.startendtailtextYet, there is no supporting documentation of such efforts. like say, copies of the notices.startendschema |
| inputIf I ever tell a collector that I' m recording the conversation, the call ends rather abruptly or the calls just stop. Yet, I' m expected to be recorded whenever they initiate the call. They expect me to have an expectation to be recorded when they want to attempt to collect a debt, but the minute I want to record them while I dispute a debt, that' s out of bounds...", "output": {"entities": {"testimony": [{"text": "If I ever tell a collector that I' m recording the conversation, the call ends rather abruptly or the calls just stop.startendtextYet, I' m expected to be recorded whenever they initiate the call.", "start": 119, "end": 185}, {"text": "They expect me to have an expectation to be recorded when they want to attempt to collect a debt,", "start": 186, "end": 283}, {"text": "but the minute I want to record them while I dispute a debt, that' s out of bounds...startendrelationsschema |
| inputIf a make an offer to repay the creditor and it' s refused, then the debt becomes time-barred, why should the creditor still be to sue? If the creditor is offered a repayment plan, turns it down, then sues after an extended period of time, the consumer should not have to pay that debt.", "output": {"entities": {"value": [{"text": "If a make an offer to repay the creditor and it' s refused, then the debt becomes time-barred, why should the creditor still be to sue?startendpolicytextIf the creditor is offered a repayment plan, turns it down, then sues after an extended period of time, the consumer should not have to pay that debt.startendrelationsschema |
| inputI do not believe that it would have mattered. It seemed that the Attorney/debt collector was not looking for the actual debtor I believe that all that they were trying to do was to make a quick buck. They did a couple of shady things with this case. For a solution; the laws should be written so the common lay person can understand. If I had known that a validation request would not be considered I would not have wasted my time and paid even though it was NOT my debt.outputentitiesvaluetextI do not believe that it would have mattered.startendtextIt seemed that the Attorney/debt collector was not looking for the actual debtorstartendtextI believe that all that they were trying to do was to make a quick buck.startendtextThey did a couple of shady things with this case.startendtextIf I had known that a validation request would not be considered I would not have wasted my time and paid even though it was NOT my debt.startendpolicytextFor a solution; the laws should be written so the common lay person can understand.startendrelationsreasonheadtextI do not believe that it would have mattered.startendtailtextI believe that all that they were trying to do was to make a quick buck.startendheadtextI believe that all that they were trying to do was to make a quick buck.startendtailtextIt seemed that the Attorney/debt collector was not looking for the actual debtorstartendheadtextFor a solution; the laws should be written so the common lay person can understand.startendtailtextIf I had known that a validation request would not be considered I would not have wasted my time and paid even though it was NOT my debt.startendschema |
| inputI have personally witnessed how judges perceive credit card debt cases, and I believe they have strayed too far towards the debt collectors. Judges simply decide whether a default has occurred, and once a judge declares a debtor in default, the adjudicated debtor has no pleading rights. Alleged credit card and student loan defaulters should have the right to declare their default an Involuntary Default and be allowed to pay back the debt with no more penalties, fees or interest rate charges, called Debt Neutrality. Debt Neutrality is making of a debt neutral so that it does not continue to indenture a defaulter in a never ending cycle of ongoing interest rate charges, penalties and fees. Involuntary defaults should allow the debtor to have the debt reset to where it was at the time of the default minus any payments made. As it stands now, Strategic Defaulters are given much better treatment than Involuntary Defaulters, in large part due to Involuntary Defaulters not being able to plead their default as being Involuntary.outputentitiestestimonytextI have personally witnessed how judges perceive credit card debt cases,startendvaluetextand I believe they have strayed too far towards the debt collectors.startendtextAs it stands now, Strategic Defaulters are given much better treatment than Involuntary Defaulters,startendtextin large part due to Involuntary Defaulters not being able to plead their default as being Involuntary.startendfacttextJudges simply decide whether a default has occurred,startendtextand once a judge declares a debtor in default, the adjudicated debtor has no pleading rights.startendtextDebt Neutrality is making of a debt neutral so that it does not continue to indenture a defaulter in a never ending cycle of ongoing interest rate charges, penalties and fees.startendpolicytextAlleged credit card and student loan defaulters should have the right to declare their default an Involuntary Default and be allowed to pay back the debt with no more penalties, fees or interest rate charges, called Debt Neutrality.startendtextInvoluntary defaults should allow the debtor to have the debt reset to where it was at the time of the default minus any payments made.startendrelationsreasonheadtextand I believe they have strayed too far towards the debt collectors.startendtailtextJudges simply decide whether a default has occurred,startendheadtextand I believe they have strayed too far towards the debt collectors.startendtailtextand once a judge declares a debtor in default, the adjudicated debtor has no pleading rights.startendheadtextInvoluntary defaults should allow the debtor to have the debt reset to where it was at the time of the default minus any payments made.startendtailtextAs it stands now, Strategic Defaulters are given much better treatment than Involuntary Defaulters,startendheadtextAs it stands now, Strategic Defaulters are given much better treatment than Involuntary Defaulters,startendtailtextin large part due to Involuntary Defaulters not being able to plead their default as being Involuntary.startendschema |
| inputI disagree with the above assessment. As an alleged defaulter I have asked over and over and over again to have the debt set where it was at the time of alleged default and that no more penalties fees or interest rate charges be tacked on, and that I will commit to a monthly autopay. People who INVOLUNTARILY defaulted because of a life changing event in their lives (such as becoming caregivers for their parents) may want to consider all of their defaults together, so if five defaults occurred, the alleged defaulter has to divide whatever money they may be able to apportion every month, by five. Debt collectors refuse to see this as a reasonable solution and only acknowledge their own debt with the alleged defaulter, making it impossible for the alleged defaulter to do the right thing and begin paying back everybody.outputentitiesvaluetextI disagree with the above assessment.startendtextPeople who INVOLUNTARILY defaulted because of a life changing event in their lives (such as becoming caregivers for their parents) may want to consider all of their defaults together,startendtextso if five defaults occurred, the alleged defaulter has to divide whatever money they may be able to apportion every month, by five.startendtestimonytextAs an alleged defaulter I have asked over and over and over again to have the debt set where it was at the time of alleged default and that no more penalties fees or interest rate charges be tacked on, and that I will commit to a monthly autopay.startendfacttextDebt collectors refuse to see this as a reasonable solutionstartendtextand only acknowledge their own debt with the alleged defaulter, making it impossible for the alleged defaulter to do the right thing and begin paying back everybody.startendrelationsreasonheadtextPeople who INVOLUNTARILY defaulted because of a life changing event in their lives (such as becoming caregivers for their parents) may want to consider all of their defaults together,startendtailtextso if five defaults occurred, the alleged defaulter has to divide whatever money they may be able to apportion every month, by five.startendschema |
| inputOnly one collection call since I changed my phone listing. No debt collector has ever admitted to me that they got my number out of the phone book.outputentitiestestimonytextOnly one collection call since I changed my phone listing.startendtextNo debt collector has ever admitted to me that they got my number out of the phone book.startendrelationsschema |
| inputTelephonic pretrial-hearings can be scheduled in support of a consumer having to work; times set and or scheduled with a court representative could passify this issue.outputentitiesfacttextTelephonic pretrial-hearings can be scheduled in support of a consumer having to work;startendvaluetexttimes set and or scheduled with a court representative could passify this issue.startendrelationsschema |
| inputHaving gone through a Chapter 7 bankruptcy I can tell you that debt collector phone calls were the worst part of the bankruptcy experience. Massachusetts has it right limiting the number of calls debt collectors can make. That would remove one of the favorite illegal tactics debt collectors use to harass debtors. Some debt collectors would threaten to put us on robocalls so that our phone rang hourly until we agreed to a repayment loan schedule. Or they would threaten to call my spouse at work to see if he would be \ and agree to a loan repayment schedule even after being informed that his workplace did not allow debt collection calls. Nothing phased these people and they appeared to enjoy verbally abusing me. Informing them that we wanted all debt collection to be written was also ignored. I could accurately predict who was calling by the day and time of the calls. Chase Bank called every Tuesday morning at 9AM. Bank of America called every Monday morning at 10: 30AM. These calls were always professional and appreciated. I followed specific instructions given by our bankruptcy attorney who did not want the debt collectors to know that we were planning on filing bankruptcy in a few months. So I faithfully answered every single debt collector call for almost six months. I politely confirmed my identity. I confirmed I owed the debt and then I politely told each call that I could not start to repay the debt at this time. The banks/credit cards accepted this without a problem and remained professional. Others like GE Capital and the vacation time share debt collectors would then start with the abusive comments. Calling me a \ and swearing at me was popular. Another popular threat was how they would harass us nonstop until they got their money. What finally put a stop to the unethical tactics was when they would call and inform me that I was being taped I then informed them that I too was now taping their phone calls. Most immediately hung up. A few would clean up their act and then act in a professional manner. The ability to tape debt collection calls is a powerful tool for the debtor to have and I would encourage this agency to grant debtors this right. Nothing cleaned up the bad behavior like knowing they were being taped.outputentitiesvaluetextHaving gone through a Chapter 7 bankruptcy I can tell you that debt collector phone calls were the worst part of the bankruptcy experience.startendtextMassachusetts has it right limiting the number of calls debt collectors can make.startendtextThat would remove one of the favorite illegal tactics debt collectors use to harass debtors.startendtextNothing phased these peoplestartendtextand they appeared to enjoy verbally abusing me.startendtextThese calls were always professional and appreciated.startendtextThe ability to tape debt collection calls is a powerful tool for the debtor to havestartendtextand I would encourage this agency to grant debtors this right.startendtextNothing cleaned up the bad behavior like knowing they were being taped.startendtestimonytextSome debt collectors would threaten to put us on robocalls so that our phone rang hourly until we agreed to a repayment loan schedule.startendtextOr they would threaten to call my spouse at work to see if he would be \ and agree to a loan repayment schedule even after being informed that his workplace did not allow debt collection calls.startendtextInforming them that we wanted all debt collection to be written was also ignored.startendtextI could accurately predict who was calling by the day and time of the calls.startendtextChase Bank called every Tuesday morning at 9AM.startendtextBank of America called every Monday morning at 10: 30AM.startendtextI followed specific instructions given by our bankruptcy attorney who did not want the debt collectors to know that we were planning on filing bankruptcy in a few months.startendtextSo I faithfully answered every single debt collector call for almost six months.startendtextI politely confirmed my identity.startendtextI confirmed I owed the debtstartendtextand then I politely told each call that I could not start to repay the debt at this time.startendtextThe banks/credit cards accepted this without a problem and remained professional.startendtextOthers like GE Capital and the vacation time share debt collectors would then start with the abusive comments.startendtextCalling me a \ and swearing at me was popular.startendtextAnother popular threat was how they would harass us nonstop until they got their money.startendtextWhat finally put a stop to the unethical tactics was when they would call and inform me that I was being taped I then informed them that I too was now taping their phone calls.startendtextMost immediately hung up.startendtextA few would clean up their act and then act in a professional manner.startendrelationsreasonheadtextMassachusetts has it right limiting the number of calls debt collectors can make.startendtailtextThat would remove one of the favorite illegal tactics debt collectors use to harass debtors.startendheadtextMassachusetts has it right limiting the number of calls debt collectors can make.startendtailtextSome debt collectors would threaten to put us on robocalls so that our phone rang hourly until we agreed to a repayment loan schedule.startendheadtextMassachusetts has it right limiting the number of calls debt collectors can make.startendtailtextOr they would threaten to call my spouse at work to see if he would be \ and agree to a loan repayment schedule even after being informed that his workplace did not allow debt collection calls.startendheadtextI could accurately predict who was calling by the day and time of the calls.startendtailtextBank of America called every Monday morning at 10: 30AM.startendheadtextI could accurately predict who was calling by the day and time of the calls.startendtailtextThese calls were always professional and appreciated.startendheadtextI could accurately predict who was calling by the day and time of the calls.startendtailtextChase Bank called every Tuesday morning at 9AM.startendheadtextSo I faithfully answered every single debt collector call for almost six months.startendtailtextI followed specific instructions given by our bankruptcy attorney who did not want the debt collectors to know that we were planning on filing bankruptcy in a few months.startendheadtextand I would encourage this agency to grant debtors this right.startendtailtextThe ability to tape debt collection calls is a powerful tool for the debtor to havestartendheadtextand I would encourage this agency to grant debtors this right.startendtailtextNothing cleaned up the bad behavior like knowing they were being taped.startendschema |
| inputThat' s not true in my experience. Unethical debt collectors just ignore requests now. Most consumers also don' t know that debt collectors can call you to collect a debt on any phone number you have used to contact the company or provided the company. So calling your credit card company from your best friend' s home phone, your neighbor' s phone, or your relative' s house puts their phone numbers on your contact list. This practice needs to be changed to protect the confidentiality of the debt collection process.", "output": {"entities": {"value": [{"text": "That' s not true in my experience.startendtextUnethical debt collectors just ignore requests now.startendfacttextMost consumers also don' t know", "start": 87, "end": 118}, {"text": "that debt collectors can call you to collect a debt on any phone number you have used to contact the company or provided the company.", "start": 119, "end": 252}, {"text": "So calling your credit card company from your best friend' s home phone, your neighbor' s phone, or your relative' s house puts their phone numbers on your contact list.startendpolicytextThis practice needs to be changed to protect the confidentiality of the debt collection process.startendrelationsreasonheadtextSo calling your credit card company from your best friend' s home phone, your neighbor' s phone, or your relative' s house puts their phone numbers on your contact list.", "start": 253, "end": 422}, "tail": {"text": "that debt collectors can call you to collect a debt on any phone number you have used to contact the company or provided the company.", "start": 119, "end": 252}}]}}, "schema": []} |
| {"input": "\" Verify \" needs to be thoroughly defined. It should be no less than documented court admissible evidence that the consumer is responsible for the debt. If the debt collector cannot produce this evidence, he should be barred from reselling the debt or reporting it to the CRAs.", "output": {"entities": {"policy": [{"text": "\" Verify \" needs to be thoroughly defined.", "start": 0, "end": 42}, {"text": "It should be no less than documented court admissible evidence that the consumer is responsible for the debt.", "start": 43, "end": 152}, {"text": "If the debt collector cannot produce this evidence, he should be barred from reselling the debt or reporting it to the CRAs.", "start": 153, "end": 277}]}, "relations": {}}, "schema": []} |
| {"input": "I did the same thing and the response was immediate to stop the abusive behaviors. Like you most debt collectors just hang up. Those who stayed on immediately changed their tone of voice and behavior. I would advise anyone receiving verbally abusive, harassing, or threatening phone calls from debt collection calls buy a cheap telephone recording device and to use it when they call. When they inform you at the mini-Miranda point interrupt them and tell them that you too are now recording all debt collection calls. It' s the most powerful tool any debtor can use.outputentitiestestimonytextI did the same thingstartendtextand the response was immediate to stop the abusive behaviors.startendtextThose who stayed on immediately changed their tone of voice and behavior.startendfacttextLike you most debt collectors just hang up.startendvaluetextI would advise anyone receiving verbally abusive, harassing, or threatening phone calls from debt collection calls buy a cheap telephone recording device and to use it when they call.startendtextIt' s the most powerful tool any debtor can use.", "start": 519, "end": 567}], "policy": [{"text": "When they inform you at the mini-Miranda point interrupt them and tell them that you too are now recording all debt collection calls.", "start": 385, "end": 518}]}, "relations": {"evidence": [{"head": {"text": "and the response was immediate to stop the abusive behaviors.", "start": 21, "end": 82}, "tail": {"text": "Like you most debt collectors just hang up.", "start": 83, "end": 126}}, {"head": {"text": "and the response was immediate to stop the abusive behaviors.", "start": 21, "end": 82}, "tail": {"text": "Those who stayed on immediately changed their tone of voice and behavior.", "start": 127, "end": 200}}], "reason": [{"head": {"text": "I would advise anyone receiving verbally abusive, harassing, or threatening phone calls from debt collection calls buy a cheap telephone recording device and to use it when they call.", "start": 201, "end": 384}, "tail": {"text": "I did the same thing", "start": 0, "end": 20}}, {"head": {"text": "I would advise anyone receiving verbally abusive, harassing, or threatening phone calls from debt collection calls buy a cheap telephone recording device and to use it when they call.", "start": 201, "end": 384}, "tail": {"text": "and the response was immediate to stop the abusive behaviors.", "start": 21, "end": 82}}, {"head": {"text": "When they inform you at the mini-Miranda point interrupt them and tell them that you too are now recording all debt collection calls.", "start": 385, "end": 518}, "tail": {"text": "It' s the most powerful tool any debtor can use.startendheadtextIt' s the most powerful tool any debtor can use.", "start": 519, "end": 567}, "tail": {"text": "I did the same thing", "start": 0, "end": 20}}, {"head": {"text": "It' s the most powerful tool any debtor can use.startendtailtextand the response was immediate to stop the abusive behaviors.startendschema |
| inputHardships are not all the same and some hardships can last for a year or longer. As a consumer advocate I see very few creditors that are willing to do anything more than refer to CCC or reduce rates for a short period of time.outputentitiesvaluetextHardships are not all the samestartendtextand some hardships can last for a year or longer.startendtextAs a consumer advocate I see very few creditors that are willing to do anything more than refer to CCC or reduce rates for a short period of time.startendrelationsschema |
| inputIf surviving spouses signed or agreed to a contract or extension of credit then they are obligated to repay in my opinion. Also, certain states that have community property laws may require a spouse to repay a debt even though they did not sign the contract. I believe the executor or administrator should investigate whether any debt was disputed or possibly fraud. To start they should obtain a credit report for starters regardless whether collectors disclose either way. If a collector knows a service member passed away, then the spouse, executor, administrator should not be contacted and the account closed law or no law as I have seen this type of issue arise over the years and have seen and approved accounts closed in the event a service member passed away.outputentitiesvaluetextIf surviving spouses signed or agreed to a contract or extension of credit then they are obligated to repay in my opinion.startendfacttextAlso, certain states that have community property laws may require a spouse to repay a debt even though they did not sign the contract.startendpolicytextI believe the executor or administrator should investigate whether any debt was disputed or possibly fraud.startendtextTo start they should obtain a credit report for starters regardless whether collectors disclose either way.startendtextIf a collector knows a service member passed away, then the spouse, executor, administrator should not be contacted and the account closed law or no lawstartendtestimonytextas I have seen this type of issue arise over the years and have seen and approved accounts closed in the event a service member passed away.startendrelationsreasonheadtextIf surviving spouses signed or agreed to a contract or extension of credit then they are obligated to repay in my opinion.startendtailtextAlso, certain states that have community property laws may require a spouse to repay a debt even though they did not sign the contract.startendheadtextIf a collector knows a service member passed away, then the spouse, executor, administrator should not be contacted and the account closed law or no lawstartendtailtextas I have seen this type of issue arise over the years and have seen and approved accounts closed in the event a service member passed away.startendschema |
| inputI don' t know what constitutes as \" repeatedly or continuously, \" but more than once a day seems to qualify. The system is designed to give collectors complete control, leaving the consumer with none. Letters through the mail is a much more effective approach, but collectors refuse to honor that request.", "output": {"entities": {"value": [{"text": "I don' t know what constitutes as \startendtextbut more than once a day seems to qualify.startendtextLetters through the mail is a much more effective approach,startendfacttextThe system is designed to give collectors complete control, leaving the consumer with none.startendtextbut collectors refuse to honor that request.startendrelationsschema |
| inputI had one debt collector in particular who called me a liar when I told him I wasn' t the person he was looking for. This was after he violated the FDCPA by calling me at 7: 00 on a Saturday morning. I called them back immediately and spoke with a supervisor who said she' d take me off their hit list. I asked her if she got my number out of the phone book. She claimed that they had not. A few months later, they started in on me again. Obviously they still considered me a liar. I sent them a cease-communication letter with a copy to my state' s Attorney General, who has been wonderful in all this. At that point, I started sending out letters every time I received a collection call, and, other than the one, none ever called me again. At one point I was receiving daily calls from one collector or another. I can name names, and I have a thick file folder full of copies of my letters and responses to my Attorney General. It has been a wild ride, and I sure hope it' s over. I' m approaching the one-year anniversary of my most recent collection call. I just wish they wouldn' t use the phone book as their primary research tool. Thank you for providing me this forum.outputentitiestestimonytextI had one debt collector in particular who called me a liar when I told him I wasn' t the person he was looking for.", "start": 0, "end": 116}, {"text": "This was after he violated the FDCPA by calling me at 7: 00 on a Saturday morning.", "start": 117, "end": 199}, {"text": "I called them back immediately and spoke with a supervisor who said she' d take me off their hit list.startendtextI asked her if she got my number out of the phone book.startendtextShe claimed that they had not.startendtextA few months later, they started in on me again.startendtextI sent them a cease-communication letter with a copy to my state' s Attorney General, who has been wonderful in all this.", "start": 482, "end": 603}, {"text": "At that point, I started sending out letters every time I received a collection call,", "start": 604, "end": 689}, {"text": "and, other than the one, none ever called me again.", "start": 690, "end": 741}, {"text": "At one point I was receiving daily calls from one collector or another.", "start": 742, "end": 813}, {"text": "I can name names, and I have a thick file folder full of copies of my letters and responses to my Attorney General.", "start": 814, "end": 929}, {"text": "I' m approaching the one-year anniversary of my most recent collection call.startendvaluetextObviously they still considered me a liar.startendtextIt has been a wild ride, and I sure hope it' s over.", "start": 930, "end": 982}, {"text": "I just wish they wouldn' t use the phone book as their primary research tool.startendrelationsschema |
| inputI have worked in collections for 13 years with mostly first parties. All of these institutions have complied with the FDCPA and seek to service their lost members to the best of their abilities.outputentitiestestimonytextI have worked in collections for 13 years with mostly first parties.startendvaluetextAll of these institutions have complied with the FDCPA and seek to service their lost members to the best of their abilities.startendrelationsschema |
| inputYes, one of the biggest scams that consumers get put through is the collection agency saying discussions about the debt have to be made with the parent company, and the parent company saying they cannot talk about the debt because it has been assigned to a debt collection agency, Please FIX THIS.outputentitiesvaluetextYes, one of the biggest scams that consumers get put through is the collection agency saying discussions about the debt have to be made with the parent company,startendfacttextand the parent company saying they cannot talk about the debt because it has been assigned to a debt collection agency,startendpolicytextPlease FIX THIS.startendrelationsschema |
| inputIf the consumer requests you do not call someone, do not call. This also leads into collector games, such as calling mother/father. brother, sister with sam elast name saying you thought it was their spouse and you were calling about an account...outputentitiespolicytextIf the consumer requests you do not call someone, do not call.startendvaluetextThis also leads into collector games, such as calling mother/father. brother, sister with sam elast name saying you thought it was their spouse and you were calling about an account...startendrelationsschema |
| inputThe entire point of collectors calling debtors at work is to intimidate and cause fear of loss of employment to the debtor and the practice should be outlawed unless the debtor opts in to receive calls there. Its well known that companies like Sallie Mae will continue to call debtors at work even after being told not to.outputentitiesvaluetextThe entire point of collectors calling debtors at work is to intimidate and cause fear of loss of employment to the debtorstartendpolicytextand the practice should be outlawed unless the debtor opts in to receive calls there.startendfacttextIts well known that companies like Sallie Mae will continue to call debtors at work even after being told not to.startendrelationsreasonheadtextand the practice should be outlawed unless the debtor opts in to receive calls there.startendtailtextThe entire point of collectors calling debtors at work is to intimidate and cause fear of loss of employment to the debtorstartendschema |
| inputThe problem is that cell phone customers have to pay for the minutes that are used. I have pre paid cell service and debt collectors are calling me all the time looking for someone else who I do not know. This is the problem. Harassment to the cell phone owner and harassment that the cell phone owner must pay for. this is why it will always remain illegal for debt collectors to call cell phones.outputentitiesvaluetextThe problem is that cell phone customers have to pay for the minutes that are used.startendtextThis is the problem.startendtextHarassment to the cell phone owner and harassment that the cell phone owner must pay for.startendtextthis is why it will always remain illegal for debt collectors to call cell phones.startendtestimonytextI have pre paid cell servicestartendtextand debt collectors are calling me all the time looking for someone else who I do not know.startendrelationsreasonheadtextThe problem is that cell phone customers have to pay for the minutes that are used.startendtailtextI have pre paid cell servicestartendheadtextThe problem is that cell phone customers have to pay for the minutes that are used.startendtailtextand debt collectors are calling me all the time looking for someone else who I do not know.startendheadtextThis is the problem.startendtailtextHarassment to the cell phone owner and harassment that the cell phone owner must pay for.startendheadtextthis is why it will always remain illegal for debt collectors to call cell phones.startendtailtextHarassment to the cell phone owner and harassment that the cell phone owner must pay for.startendschema |
| inputNo phone calls at work. I agree! Work is for work, not personal debt business. I personally don' t get calls at work, but I can see how embarrassing it would be and how quickly the company would probably fire. No work phone calls period, should be the law.", "output": {"entities": {"policy": [{"text": "No phone calls at work.", "start": 0, "end": 23}, {"text": "No work phone calls period, should be the law.", "start": 210, "end": 256}], "value": [{"text": "I agree!", "start": 24, "end": 32}, {"text": "Work is for work, not personal debt business.", "start": 33, "end": 78}, {"text": "but I can see how embarrassing it would be and how quickly the company would probably fire.", "start": 118, "end": 209}], "testimony": [{"text": "I personally don' t get calls at work,startendrelationsreasonheadtextNo phone calls at work.startendtailtextWork is for work, not personal debt business.startendheadtextNo phone calls at work.startendtailtextI personally don' t get calls at work,", "start": 79, "end": 117}}, {"head": {"text": "No phone calls at work.", "start": 0, "end": 23}, "tail": {"text": "but I can see how embarrassing it would be and how quickly the company would probably fire.", "start": 118, "end": 209}}, {"head": {"text": "No work phone calls period, should be the law.", "start": 210, "end": 256}, "tail": {"text": "Work is for work, not personal debt business.", "start": 33, "end": 78}}, {"head": {"text": "No work phone calls period, should be the law.", "start": 210, "end": 256}, "tail": {"text": "I personally don' t get calls at work,startendheadtextNo work phone calls period, should be the law.startendtailtextbut I can see how embarrassing it would be and how quickly the company would probably fire.startendschema |
| inputIf a collector is calling from a different number than the one they are displaying on Called ID, that should be not allowed. Does not allow the consumer to block those calls since the number displayed is not the one actually calling.outputentitiespolicytextIf a collector is calling from a different number than the one they are displaying on Called ID, that should be not allowed.startendfacttextDoes not allow the consumer to block those calls since the number displayed is not the one actually calling.startendrelationsschema |
| inputMany states have a judgement law where a consumer with over a certain amount of judgements may be terminated from employment. Having a collector call at work just seems to be another way to break down a consumer and put them at a disadvantage. A friend has mentioned to me receiving collection calls at work for one of his employees where the collector identified himself as \ My friend told the collector never to call again and that it' s illegal to impersonate law enforcement. Too many other stories that went to court for FDCPA violations of collector harassment at work even when the employer has told the collector not to call there again.", "output": {"entities": {"fact": [{"text": "Many states have a judgement law where a consumer with over a certain amount of judgements may be terminated from employment.", "start": 0, "end": 125}], "value": [{"text": "Having a collector call at work just seems to be another way to break down a consumer and put them at a disadvantage.", "start": 126, "end": 243}, {"text": "Too many other stories that went to court for FDCPA violations of collector harassment at work even when the employer has told the collector not to call there again.", "start": 491, "end": 656}], "testimony": [{"text": "A friend has mentioned to me receiving collection calls at work for one of his employees where the collector identified himself as \" Officer \"", "start": 244, "end": 386}, {"text": "My friend told the collector never to call again and that it' s illegal to impersonate law enforcement.startendrelationsschema |
| inputI was following the advice of our bankruptcy attorney. I was allowed to tell creditors only a limited amount of information. I could confirm-my identify, that yes I owed the debt, and third that I was not able to start repaying my debt. No I was not allowed to tell the debt collectors that we would be filing bankruptcy. It took almost six months to complete tasks prior to notifying creditors about the bankruptcy. During that time I was subjected to verbal abuse, threats, illegal intimidation tactics, and outright lies. The tape recorder completely stopped the bad behavior. It' s amazing what debt collectors will say and do when they call debtors. It' s a totally different story what they want recorded. The best money you will ever spend is a cheap $20-25 telephone tape recorder.outputentitiestestimonytextI was following the advice of our bankruptcy attorney.startendtextI was allowed to tell creditors only a limited amount of information.startendtextI could confirm-my identify, that yes I owed the debt, and third that I was not able to start repaying my debt.startendtextNo I was not allowed to tell the debt collectors that we would be filing bankruptcy.startendtextIt took almost six months to complete tasks prior to notifying creditors about the bankruptcy.startendtextDuring that time I was subjected to verbal abuse, threats, illegal intimidation tactics, and outright lies.startendtextThe tape recorder completely stopped the bad behavior.startendvaluetextIt' s amazing what debt collectors will say and do when they call debtors.", "start": 580, "end": 654}, {"text": "It' s a totally different story what they want recorded.startendtextThe best money you will ever spend is a cheap $20-25 telephone tape recorder.startendrelationsschema |
| inputI think that both an English and Spanish letter should be sent. This already happens with most legal and other important things (like voting and letters from school) in my State. But this should be a fed requirement to always include Spanish.outputentitiespolicytextI think that both an English and Spanish letter should be sent.startendtextBut this should be a fed requirement to always include Spanish.startendfacttextThis already happens with most legal and other important things (like voting and letters from school) in my State.startendrelationsreasonheadtextI think that both an English and Spanish letter should be sent.startendtailtextThis already happens with most legal and other important things (like voting and letters from school) in my State.startendschema |
| inputAT & T is notorious for setting up new accounts that don' t have an official phone number attached. I was put in the situation of having an 800 number that AT & T customer service reps could not find in their system. I had no way to cancel it! Eventually the false 100 dollar debt went to a debt collector. I respectfully explained that the debt was not valid, in a letter. A few months later I got a letter from a different debt collector. Again I wrote a letter. A few months later another letter over the same faux debt from a third debt collector.", "output": {"entities": {"fact": [{"text": "AT & T is notorious for setting up new accounts that don' t have an official phone number attached.startendtestimonytextI was put in the situation of having an 800 number that AT & T customer service reps could not find in their system.startendtextI had no way to cancel it!startendtextEventually the false 100 dollar debt went to a debt collector.startendtextI respectfully explained that the debt was not valid, in a letter.startendtextA few months later I got a letter from a different debt collector.startendtextAgain I wrote a letter.startendtextA few months later another letter over the same faux debt from a third debt collector.startendrelationsevidenceheadtextAT & T is notorious for setting up new accounts that don' t have an official phone number attached.", "start": 0, "end": 99}, "tail": {"text": "I was put in the situation of having an 800 number that AT & T customer service reps could not find in their system.", "start": 100, "end": 216}}, {"head": {"text": "AT & T is notorious for setting up new accounts that don' t have an official phone number attached.startendtailtextI had no way to cancel it!startendheadtextAT & T is notorious for setting up new accounts that don' t have an official phone number attached.", "start": 0, "end": 99}, "tail": {"text": "Eventually the false 100 dollar debt went to a debt collector.", "start": 244, "end": 306}}, {"head": {"text": "AT & T is notorious for setting up new accounts that don' t have an official phone number attached.startendtailtextI respectfully explained that the debt was not valid, in a letter.startendheadtextAT & T is notorious for setting up new accounts that don' t have an official phone number attached.", "start": 0, "end": 99}, "tail": {"text": "A few months later I got a letter from a different debt collector.", "start": 374, "end": 440}}, {"head": {"text": "AT & T is notorious for setting up new accounts that don' t have an official phone number attached.startendtailtextAgain I wrote a letter.startendheadtextAT & T is notorious for setting up new accounts that don' t have an official phone number attached.", "start": 0, "end": 99}, "tail": {"text": "A few months later another letter over the same faux debt from a third debt collector.", "start": 465, "end": 551}}]}}, "schema": []} |
| {"input": "Ummm you want to know a annoying way to find out I was in collections... how about 12 voicemails saying they are bill collectors. Finding time to call you is not easy. Many of you work from 9 to 6. Thats when im at work. Some of you are different timezones. Why cant I text or email you and haveyou text or email me back \" So stone age!", "output": {"entities": {"value": [{"text": "Ummm you want to know a annoying way to find out I was in collections... how about 12 voicemails saying they are bill collectors.", "start": 0, "end": 129}, {"text": "Finding time to call you is not easy.", "start": 130, "end": 167}, {"text": "So stone age!", "start": 323, "end": 336}], "fact": [{"text": "Many of you work from 9 to 6.", "start": 168, "end": 197}, {"text": "Some of you are different timezones.", "start": 221, "end": 257}, {"text": "Why cant I text or email you and haveyou text or email me back \"", "start": 258, "end": 322}], "testimony": [{"text": "Thats when im at work.", "start": 198, "end": 220}]}, "relations": {"reason": [{"head": {"text": "Finding time to call you is not easy.", "start": 130, "end": 167}, "tail": {"text": "Many of you work from 9 to 6.", "start": 168, "end": 197}}, {"head": {"text": "Finding time to call you is not easy.", "start": 130, "end": 167}, "tail": {"text": "Thats when im at work.", "start": 198, "end": 220}}, {"head": {"text": "Finding time to call you is not easy.", "start": 130, "end": 167}, "tail": {"text": "Some of you are different timezones.", "start": 221, "end": 257}}]}}, "schema": []} |
| {"input": "I can understand 1 call. But thats it! And they better not talk a out my debt. But I can see them wanting to make sure they have the right number by verifying with a relative or neighbor. Especially with that ridiculous FOTI thing they say on my voicemail.", "output": {"entities": {"value": [{"text": "I can understand 1 call.", "start": 0, "end": 24}, {"text": "But thats it!", "start": 25, "end": 38}, {"text": "But I can see them wanting to make sure they have the right number by verifying with a relative or neighbor.", "start": 79, "end": 187}, {"text": "Especially with that ridiculous FOTI thing they say on my voicemail.", "start": 188, "end": 256}], "policy": [{"text": "And they better not talk a out my debt.", "start": 39, "end": 78}]}, "relations": {}}, "schema": []} |
| {"input": "Make the authorized user pay. It is so dumb when I tell these collectors \" call my brother he charged it \" and they say \" I cant you are the account holder hes just an authorized user. \" Seriously?! So old fashioned.", "output": {"entities": {"policy": [{"text": "Make the authorized user pay.", "start": 0, "end": 29}], "value": [{"text": "It is so dumb when I tell these collectors \" call my brother he charged it \" and they say \" I cant you are the account holder hes just an authorized user. \"", "start": 30, "end": 186}, {"text": "Seriously?!", "start": 187, "end": 198}, {"text": "So old fashioned.", "start": 199, "end": 216}]}, "relations": {}}, "schema": []} |
| {"input": "Every debt I' ve ever had go in to collections has supposedly been given notice in advance. In the case of 2 hospital bills many years ago they claimed to have notified me by mail several times but I had never even received the initial bill let alone the follow ups. Since I was insured at the time I only had to pay a reasonable co-pay and would have readily done so had I gotten the bills (as additional information, in both cases I offered to pay at the time of visit and was told they only bill). This particular hospital has an \ collections department so I get the impression that they often neglect to actually send info to patients so that they can then collect the additional fees and interest as profit. When a debt is turned to collections I feel it might be best if a mandatory 30 day notice outlining what the debt is for, previous contact attempts, amount due, available options such as payment plans and the exact effect of the collections process on the debt is sent to the person in a manner that is trackable and shows the intended recipient had the notice in their possession-perhaps a registered receipt type of delivery.outputentitiestestimonytextEvery debt I' ve ever had go in to collections has supposedly been given notice in advance.", "start": 0, "end": 91}, {"text": "In the case of 2 hospital bills many years ago they claimed to have notified me by mail several times but I had never even received the initial bill let alone the follow ups.", "start": 92, "end": 266}, {"text": "Since I was insured at the time", "start": 267, "end": 298}, {"text": "I only had to pay a reasonable co-pay and would have readily done so had I gotten the bills", "start": 299, "end": 390}, {"text": "(as additional information, in both cases I offered to pay at the time of visit and was told they only bill).", "start": 391, "end": 500}, {"text": "This particular hospital has an \" in house \" collections department", "start": 501, "end": 568}], "value": [{"text": "so I get the impression that they often neglect to actually send info to patients so that they can then collect the additional fees and interest as profit.", "start": 569, "end": 724}], "policy": [{"text": "When a debt is turned to collections I feel it might be best if a mandatory 30 day notice outlining what the debt is for, previous contact attempts, amount due, available options such as payment plans and the exact effect of the collections process on the debt is sent to the person in a manner that is trackable and shows the intended recipient had the notice in their possession-perhaps a registered receipt type of delivery.", "start": 725, "end": 1152}]}, "relations": {"reason": [{"head": {"text": "I only had to pay a reasonable co-pay and would have readily done so had I gotten the bills", "start": 299, "end": 390}, "tail": {"text": "Since I was insured at the time", "start": 267, "end": 298}}, {"head": {"text": "so I get the impression that they often neglect to actually send info to patients so that they can then collect the additional fees and interest as profit.", "start": 569, "end": 724}, "tail": {"text": "This particular hospital has an \" in house \" collections department", "start": 501, "end": 568}}, {"head": {"text": "When a debt is turned to collections I feel it might be best if a mandatory 30 day notice outlining what the debt is for, previous contact attempts, amount due, available options such as payment plans and the exact effect of the collections process on the debt is sent to the person in a manner that is trackable and shows the intended recipient had the notice in their possession-perhaps a registered receipt type of delivery.", "start": 725, "end": 1152}, "tail": {"text": "In the case of 2 hospital bills many years ago they claimed to have notified me by mail several times but I had never even received the initial bill let alone the follow ups.", "start": 92, "end": 266}}, {"head": {"text": "When a debt is turned to collections I feel it might be best if a mandatory 30 day notice outlining what the debt is for, previous contact attempts, amount due, available options such as payment plans and the exact effect of the collections process on the debt is sent to the person in a manner that is trackable and shows the intended recipient had the notice in their possession-perhaps a registered receipt type of delivery.", "start": 725, "end": 1152}, "tail": {"text": "I only had to pay a reasonable co-pay and would have readily done so had I gotten the bills", "start": 299, "end": 390}}]}}, "schema": []} |
| {"input": "All creditors send out mutiple letters and make numerous phone calls to the consumer to give them a chance to pay their just incurred debt and those letters will include the warning that the account will be turned over to a collection agency-not always SOLD to a collection agency, but they hire an agency to collect the debt on their behalf. And then the collection agency sends out multiple letters and makes calls. If the consumer feels this is not enough notice I am not sure what more can be done. Consumers should talk to their creditors instead of ignoring the calls and letters and try to work out some kind of arrangement. But instead some do not want to take responisibility for their debt and try to push additional costs on the creditors because there were not enough letters sent out. It would be okay if the consumer wants more & more communications if the creditor or agency can bill the consumer for the postage. People wonder why the cost of health care and merchandise goes up it is because consumers that do not pay their debts and requests laws that require the creditor to spend more and more time and money to try to collect", "output": {"entities": {"fact": [{"text": "All creditors send out mutiple letters and make numerous phone calls to the consumer to give them a chance to pay their just incurred debt", "start": 0, "end": 138}, {"text": "and those letters will include the warning that the account will be turned over to a collection agency-not always SOLD to a collection agency, but they hire an agency to collect the debt on their behalf.", "start": 139, "end": 342}, {"text": "And then the collection agency sends out multiple letters and makes calls.", "start": 343, "end": 417}], "value": [{"text": "If the consumer feels this is not enough notice I am not sure what more can be done.", "start": 418, "end": 502}, {"text": "But instead some do not want to take responisibility for their debt and try to push additional costs on the creditors because there were not enough letters sent out.", "start": 632, "end": 797}, {"text": "It would be okay if the consumer wants more & more communications if the creditor or agency can bill the consumer for the postage.", "start": 798, "end": 928}, {"text": "People wonder why the cost of health care and merchandise goes up", "start": 929, "end": 994}, {"text": "it is because consumers that do not pay their debts and requests laws that require the creditor to spend more and more time and money to try to collect", "start": 995, "end": 1146}], "policy": [{"text": "Consumers should talk to their creditors instead of ignoring the calls and letters and try to work out some kind of arrangement.", "start": 503, "end": 631}]}, "relations": {}}, "schema": []} |
| {"input": "I guess I don' t exactly understand the response. I suppose getting the credit report on paper is useful, but online one can actually fix multiple errors and then be notified once the changes have been made.outputentitiesvaluetextI guess I don' t exactly understand the response.", "start": 0, "end": 49}, {"text": "I suppose getting the credit report on paper is useful,", "start": 50, "end": 105}], "fact": [{"text": "but online one can actually fix multiple errors and then be notified once the changes have been made.", "start": 106, "end": 207}]}, "relations": {}}, "schema": []} |
| {"input": "That is not going to work. The burden of proof in the American Justice System is bore by the one who is making the accusations. Some debtors are going to lie and say that a debt is not theirs when it actually is, but that is the nature of the beast with debt collections. Innocent until proven guilty is the rules of the game. Otherwise I, as a debt collector, can accuse anyone of anything owning any amount and extort money from innocent people. Debt collection is about collecting debt, not about making accusations and extortions.", "output": {"entities": {"value": [{"text": "That is not going to work.", "start": 0, "end": 26}, {"text": "Some debtors are going to lie and say that a debt is not theirs when it actually is,", "start": 128, "end": 212}, {"text": "but that is the nature of the beast with debt collections.", "start": 213, "end": 271}, {"text": "Innocent until proven guilty is the rules of the game.", "start": 272, "end": 326}, {"text": "Otherwise I, as a debt collector, can accuse anyone of anything owning any amount and extort money from innocent people.", "start": 327, "end": 447}, {"text": "Debt collection is about collecting debt, not about making accusations and extortions.", "start": 448, "end": 534}], "fact": [{"text": "The burden of proof in the American Justice System is bore by the one who is making the accusations.", "start": 27, "end": 127}]}, "relations": {"reason": [{"head": {"text": "That is not going to work.", "start": 0, "end": 26}, "tail": {"text": "The burden of proof in the American Justice System is bore by the one who is making the accusations.", "start": 27, "end": 127}}, {"head": {"text": "That is not going to work.", "start": 0, "end": 26}, "tail": {"text": "Some debtors are going to lie and say that a debt is not theirs when it actually is,", "start": 128, "end": 212}}, {"head": {"text": "Innocent until proven guilty is the rules of the game.", "start": 272, "end": 326}, "tail": {"text": "Otherwise I, as a debt collector, can accuse anyone of anything owning any amount and extort money from innocent people.", "start": 327, "end": 447}}]}}, "schema": []} |
| {"input": "Old debt that is beyond the statue of limitation should indicate the original creditor in the initial contact letter. I think the collector does not know this information or they deliberately refuse to disclose it because they know that the debt has run it course through the CRA' s for seven years. So why is it that a collector can rename themselves as the merchant because they bought an old debt and proceed to collect and to report it to the CRA' s. Once your credit has taken a hit the debt collector should not be able to continually harass you for the rest of your existence. Portfolio Recovery is the culprit and they should not be able to look at your credit report and send letters to collect as if you entered into a legal and binding contract with them. Why should you reactivate an old debt that is over 16 years old. Everyone know and remember the hard patches in their lives, such as medical issues, divorces, death etc. Once the fear of being sued is removed, the chances of a collector to collect is very minute. So it becomes time consuming and it cost money to send a certified letter to ask them to validate an alleged debt. If the collector can not validate a debt then they should not continually sell and resell such debt. And there is a problem with the CRA' s because it seems to me they are in cahoots with each other. If there si not any active business with a particular account on a credit report, then the CRA' s should make the collector prove that a debt is valid.", "output": {"entities": {"policy": [{"text": "Old debt that is beyond the statue of limitation should indicate the original creditor in the initial contact letter.", "start": 0, "end": 117}, {"text": "Once your credit has taken a hit the debt collector should not be able to continually harass you for the rest of your existence.", "start": 455, "end": 583}, {"text": "and they should not be able to look at your credit report and send letters to collect as if you entered into a legal and binding contract with them.", "start": 618, "end": 766}, {"text": "If the collector can not validate a debt then they should not continually sell and resell such debt.", "start": 1146, "end": 1246}, {"text": "If there si not any active business with a particular account on a credit report, then the CRA' s should make the collector prove that a debt is valid.startendfacttextI think the collector does not know this information or they deliberately refuse to disclose it because they know that the debt has run it course through the CRA' s for seven years.", "start": 118, "end": 299}, {"text": "Everyone know and remember the hard patches in their lives, such as medical issues, divorces, death etc.", "start": 832, "end": 936}], "value": [{"text": "So why is it that a collector can rename themselves as the merchant because they bought an old debt and proceed to collect and to report it to the CRA' s.startendtextPortfolio Recovery is the culpritstartendtextWhy should you reactivate an old debt that is over 16 years old.startendtextOnce the fear of being sued is removed, the chances of a collector to collect is very minute.startendtextSo it becomes time consuming and it cost money to send a certified letter to ask them to validate an alleged debt.startendtextAnd there is a problem with the CRA' s", "start": 1247, "end": 1285}, {"text": "because it seems to me they are in cahoots with each other.", "start": 1286, "end": 1345}]}, "relations": {"reason": [{"head": {"text": "So it becomes time consuming and it cost money to send a certified letter to ask them to validate an alleged debt.", "start": 1031, "end": 1145}, "tail": {"text": "Once the fear of being sued is removed, the chances of a collector to collect is very minute.", "start": 937, "end": 1030}}, {"head": {"text": "And there is a problem with the CRA' sstartendtailtextbecause it seems to me they are in cahoots with each other.startendschema |
| inputI was sent to collection. Collector informed me that it was for and overdue insurance payment. Having everything on Auto-Pay, I overlooked the notice they mailed to me. One call to my agent and the problem was resolved. I' m glad they called and gave me the opportunity to get to root of problem before it jeopardized my good credit rating! I \" know \" the majority of CFPB complaints come from people who simply don' t want to pay their bill. I know this because I have worked for a collection agency for the last twenty years, privy to all complaints we receive and very, very few have any merit. I' m by no means stating that some people don' t have legitimate complaints. What I am saying is if we compare the number of complaints to the number of accounts being pursued by all collection agencies the percentage of complaints would be a mere fraction of one percent. So, how much more regulation is necessary to address such a tiny percentage?outputentitiestestimonytextI was sent to collection.startendtextCollector informed me that it was for and overdue insurance payment.startendtextHaving everything on Auto-Pay, I overlooked the notice they mailed to me.startendtextOne call to my agent and the problem was resolved.startendtextbecause I have worked for a collection agency for the last twenty years, privy to all complaints we receive and very, very few have any merit.startendvaluetextI' m glad they called and gave me the opportunity to get to root of problem before it jeopardized my good credit rating!", "start": 220, "end": 340}, {"text": "I know this", "start": 443, "end": 454}, {"text": "So, how much more regulation is necessary to address such a tiny percentage?", "start": 871, "end": 947}], "fact": [{"text": "I \" know \" the majority of CFPB complaints come from people who simply don' t want to pay their bill.startendtextI' m by no means stating that some people don' t have legitimate complaints.startendtextWhat I am saying is if we compare the number of complaints to the number of accounts being pursued by all collection agencies the percentage of complaints would be a mere fraction of one percent.startendrelationsreasonheadtextI know thisstartendtailtextbecause I have worked for a collection agency for the last twenty years, privy to all complaints we receive and very, very few have any merit.startendschema |
| inputThe enforcement mechanism of the FDCPA is laughable from the point of view of the debtor. For example, a debt collector said that since they are out of the country they are not required to adhere to the FDCPA. Luckily, I knew better, but most folk don' t. The CFPB' s voluntary reporting combined with proxy enforcement power may curb the industry' s activities, and may be cheaper and faster than class action lawsuits.", "output": {"entities": {"value": [{"text": "The enforcement mechanism of the FDCPA is laughable from the point of view of the debtor.", "start": 0, "end": 89}, {"text": "but most folk don' t.startendtextThe CFPB' s voluntary reporting combined with proxy enforcement power may curb the industry' s activities, and may be cheaper and faster than class action lawsuits.startendtestimonytextFor example, a debt collector said that since they are out of the country they are not required to adhere to the FDCPA.startendtextLuckily, I knew better,startendrelationsreasonheadtextThe enforcement mechanism of the FDCPA is laughable from the point of view of the debtor.startendtailtextFor example, a debt collector said that since they are out of the country they are not required to adhere to the FDCPA.startendschema |
| inputRequire debt collectors to send validation notices via certified mail. There must be some way to prove the debt validation notice was at least sent, if not received. I have had the experience of a debt collector not sending me a validation notice. When I made a complaint to the Illinois Department of Professional Regulations, the debt collector did not have to prove that they sent the validation notice. All the debt collector had to do was claim that they had records of sending the validation notice in their computer system. Since I did not receive the validation notice, I did not know what my rights were.outputentitiespolicytextRequire debt collectors to send validation notices via certified mail.startendfacttextThere must be some way to prove the debt validation notice was at least sent, if not received.startendtestimonytextI have had the experience of a debt collector not sending me a validation notice.startendtextWhen I made a complaint to the Illinois Department of Professional Regulations, the debt collector did not have to prove that they sent the validation notice.startendtextAll the debt collector had to do was claim that they had records of sending the validation notice in their computer system.startendtextSince I did not receive the validation notice,startendvaluetextI did not know what my rights were.startendrelationsreasonheadtextRequire debt collectors to send validation notices via certified mail.startendtailtextThere must be some way to prove the debt validation notice was at least sent, if not received.startendheadtextI did not know what my rights were.startendtailtextSince I did not receive the validation notice,startendschema |
| inputI can state from personal experience that when our savings ran out I became eligible for in home support services in which I as an unpaid caregiver could be paid a very modest amount (at minimum wage payment) because I was a caregiver. By being an in home CareGiver, I was saving the state a lot more money than it would cost to pay me a small amount every month via in home support services. I told this to all of my creditors, none of them cared. Then reality hit, my state agency that was supposed to help me obtain in home support services instead cast fear into both me and my parent by stating to me on the phone that whatever they paid me, they would file a lien on the home to get back if I outlived my parent. It turns out this application of the law did not apply to me. However the damage was done. I lost 1. 75 years of eligibility and probably enough money to pay all of my vendors, and, I would have never had to prolong the default for more than a couple of months if any of my vendors had cared enough to just help me get through the process of applying for in home support services. But because judges have become so vindictive in their approach to credit card defaulters, judges have allowed the credit card companies to become LAZY at solving their own problems internally. Nobody helps, everybody simply self protects their own interests first and foremost.outputentitiestestimonytextI can state from personal experience that when our savings ran out I became eligible for in home support servicesstartendtextin which I as an unpaid caregiver could be paid a very modest amount (at minimum wage payment)startendtextbecause I was a caregiver.startendtextBy being an in home CareGiver, I was saving the state a lot more money than it would cost to pay me a small amount every month via in home support services.startendtextI told this to all of my creditors, none of them cared.startendtextThen reality hit, my state agency that was supposed to help me obtain in home support services instead cast fear into both me and my parent by stating to me on the phone that whatever they paid me, they would file a lien on the home to get back if I outlived my parent.startendtextIt turns out this application of the law did not apply to me.startendtextHowever the damage was done.startendtextI lost 1. 75 years of eligibility and probably enough money to pay all of my vendors,startendvaluetextand, I would have never had to prolong the default for more than a couple of months if any of my vendors had cared enough to just help me get through the process of applying for in home support services.startendtextBut because judges have become so vindictive in their approach to credit card defaulters,startendtextjudges have allowed the credit card companies to become LAZY at solving their own problems internally.startendtextNobody helps,startendtexteverybody simply self protects their own interests first and foremost.startendrelationsevidenceheadtextHowever the damage was done.startendtailtextI lost 1. 75 years of eligibility and probably enough money to pay all of my vendors,startendreasonheadtextin which I as an unpaid caregiver could be paid a very modest amount (at minimum wage payment)startendtailtextbecause I was a caregiver.startendheadtextjudges have allowed the credit card companies to become LAZY at solving their own problems internally.startendtailtextBut because judges have become so vindictive in their approach to credit card defaulters,startendheadtexteverybody simply self protects their own interests first and foremost.startendtailtextNobody helps,startendschema |
| inputLike most regulatory programs additional cost would be inevitable, it could be paid for by a yearly fee that collectors pay to be a licensed collector.outputentitiesvaluetextLike most regulatory programs additional cost would be inevitable,startendfacttextit could be paid for by a yearly fee that collectors pay to be a licensed collector.startendrelationsschema |
| inputIf a debt is to be sold, the owner of the debt should be required to send an itemized statement to the debtor. The statement should have a large-type header, something like, \ This would give the debtor another chance to pay in the simplest way, before getting tangled up in idiot phone calls, and it would help the debtor identify the debt.outputentitiespolicytextIf a debt is to be sold, the owner of the debt should be required to send an itemized statement to the debtor.startendtextThe statement should have a large-type header, something like, \startendvaluetextThis would give the debtor another chance to pay in the simplest way, before getting tangled up in idiot phone calls,startendtextand it would help the debtor identify the debt.startendrelationsreasonheadtextThe statement should have a large-type header, something like, \startendtailtextThis would give the debtor another chance to pay in the simplest way, before getting tangled up in idiot phone calls,startendheadtextThe statement should have a large-type header, something like, \startendtailtextand it would help the debtor identify the debt.startendschema |
| inputNo robo-calls or automated dialing systems should be allowed for any profit-making or solicitation purpose. Period. You can call me if a tornado is coming, but if you want money, you have to use a person. And I don' t see why I should pay for the call.", "output": {"entities": {"policy": [{"text": "No robo-calls or automated dialing systems should be allowed for any profit-making or solicitation purpose. Period.", "start": 0, "end": 115}, {"text": "but if you want money, you have to use a person.", "start": 156, "end": 204}], "value": [{"text": "You can call me if a tornado is coming,", "start": 116, "end": 155}, {"text": "And I don' t see why I should pay for the call.startendrelationsreasonheadtextNo robo-calls or automated dialing systems should be allowed for any profit-making or solicitation purpose. Period.startendtailtextbut if you want money, you have to use a person.startendheadtextNo robo-calls or automated dialing systems should be allowed for any profit-making or solicitation purpose. Period.startendtailtextAnd I don' t see why I should pay for the call.", "start": 205, "end": 252}}]}}, "schema": []} |
| {"input": "I would like something that addresses the amount of times a debt collector can contact someone other than the debtor. My husband' s exwife has several debts and we are sometimes contacted several times a day and often at night to find out if we are in contact with her they have been divorced 36 yearsoutputentitiesvaluetextI would like something that addresses the amount of times a debt collector can contact someone other than the debtor.startendtestimonytextMy husband' s exwife has several debts", "start": 118, "end": 156}, {"text": "and we are sometimes contacted several times a day and often at night to find out if we are in contact with her", "start": 157, "end": 268}, {"text": "they have been divorced 36 years", "start": 269, "end": 301}]}, "relations": {"reason": [{"head": {"text": "I would like something that addresses the amount of times a debt collector can contact someone other than the debtor.", "start": 0, "end": 117}, "tail": {"text": "My husband' s exwife has several debtsstartendheadtextI would like something that addresses the amount of times a debt collector can contact someone other than the debtor.startendtailtextand we are sometimes contacted several times a day and often at night to find out if we are in contact with herstartendheadtextI would like something that addresses the amount of times a debt collector can contact someone other than the debtor.startendtailtextthey have been divorced 36 yearsstartendschema |
| inputI do not believe that use of social media should be allowed to initiate or to conduct any legal or other sensitive arrangements or communications to and from debt collectors. There are a couple of things that I' ve noticed about social media: social media is a fad, and an outlet. People use social media as an outlet for the narcissistic/public/storybook/memorable moments side of their lives. And recent evidence shows that fewer teens and young adults are using facebook and twitter. And I am most certain that no social media user would like for their private life to become public life by dealing with a debt collector on facebook. Nobody likes to be in debt and have bill collectors chasing them, In writing \" to me, means a letter delivered in the mail. I would also accept an interpretation to mean delivered by email but only on official company letterhead documents. And only if first requested by the debtor and not first initiated by the collector. But I can not accept \" in writing \" to mean messages and communication sent via social media. I think that E-Sign consent should only be valid for the original creditor. And any and every collector who then gets involved must get the debtor to consent E-Sign with them. The reason is because there are some things that I, as a consumer, am comfortable with dealing online or through email with my original creditors, but there are things that I know I would not feel comfortable dealing with online/email with a debt collector. So E-Sign should not be blanket consent for anyone and everyone.", "output": {"entities": {"policy": [{"text": "I do not believe that use of social media should be allowed to initiate or to conduct any legal or other sensitive arrangements or communications to and from debt collectors.", "start": 0, "end": 174}, {"text": "I think that E-Sign consent should only be valid for the original creditor.", "start": 1055, "end": 1130}, {"text": "And any and every collector who then gets involved must get the debtor to consent E-Sign with them.", "start": 1131, "end": 1230}, {"text": "So E-Sign should not be blanket consent for anyone and everyone.", "start": 1489, "end": 1553}], "testimony": [{"text": "There are a couple of things that I' ve noticed about social media:startendvaluetextsocial media is a fad, and an outlet.startendtextPeople use social media as an outlet for the narcissistic/public/storybook/memorable moments side of their lives.startendtextAnd I am most certain that no social media user would like for their private life to become public life by dealing with a debt collector on facebook.startendtextNobody likes to be in debt and have bill collectors chasing them,startendtextIn writing \, : 703, : 760}, {: , : 761, : 960}, {: in writing \, : 961, : 1054}, {: , : 1231, : 1377}, {: , : 1378, : 1488}], : [{: , : 395, : 486}]}, : {: [{: {: , : 0, : 174}, : {: , : 395, : 486}}, {: {: , : 243, : 280}, : {: , : 281, : 394}}, {: {: , : 243, : 280}, : {: , : 395, : 486}}, {: {: , : 487, : 636}, : {: , : 637, : 702}}, {: {: , : 1055, : 1130}, : {: , : 1231, : 1377}}, {: {: , : 1055, : 1130}, : {: , : 1378, : 1488}}, {: {: , : 1131, : 1230}, : {: , : 1055, : 1130}}, {: {: , : 1489, : 1553}, : {: , : 1231, : 1377}}, {: {: , : 1489, : 1553}, : {: , : 1378, : 1488}}]}}, : []} |
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| {: an important business matter, \ mini-Miranda \ mini-Miranda \, : {: {: [{: , : 0, : 50}, {: an important business matter, \, : 297, : 379}, {: , : 426, : 581}, {: , : 582, : 740}, {: , : 741, : 820}, {: , : 821, : 960}, {: , : 1073, : 1164}, {: , : 1165, : 1295}, {: , : 1474, : 1511}, {: , : 1888, : 1939}, {: , : 1940, : 1985}], : [{: , : 51, : 129}, {: , : 130, : 296}, {: , : 380, : 425}, {: , : 961, : 1072}, {: , : 1296, : 1342}, {: , : 1343, : 1403}, {: , : 1404, : 1473}, {: mini-Miranda \, : 1512, : 1637}, {: , : 1638, : 1776}, {: mini-Miranda \, : 1777, : 1887}]}, : {: [{: {: , : 0, : 50}, : {: , : 51, : 129}}, {: {: , : 0, : 50}, : {: , : 130, : 296}}, {: {: an important business matter, \, : 297, : 379}, : {: , : 380, : 425}}, {: {: , : 741, : 820}, : {: , : 821, : 960}}, {: {: , : 1165, : 1295}, : {: , : 1296, : 1342}}, {: {: , : 1404, : 1473}, : {: , : 1474, : 1511}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 66}, {: , : 67, : 184}, {: , : 185, : 240}, {: , : 241, : 361}, {: , : 362, : 427}, {: , : 428, : 462}]}, : {}}, : []} |
| {: , : {: {: [{: , : 0, : 49}, {: , : 443, : 501}], : [{: , : 50, : 109}, {: , : 110, : 184}, {: , : 185, : 260}, {: , : 261, : 346}, {: , : 347, : 442}, {: , : 502, : 621}]}, : {: [{: {: , : 0, : 49}, : {: , : 50, : 109}}, {: {: , : 0, : 49}, : {: , : 110, : 184}}, {: {: , : 0, : 49}, : {: , : 185, : 260}}, {: {: , : 0, : 49}, : {: , : 261, : 346}}, {: {: , : 0, : 49}, : {: , : 347, : 442}}, {: {: , : 110, : 184}, : {: , : 185, : 260}}, {: {: , : 185, : 260}, : {: , : 261, : 346}}, {: {: , : 443, : 501}, : {: , : 502, : 621}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 90}, {: , : 91, : 137}], : [{: , : 138, : 295}]}, : {}}, : []} |
| {: proof \ Proof \ proof \, : {: {: [{: , : 0, : 143}], : [{: proof \, : 144, : 226}, {: , : 227, : 278}, {: Proof \, : 279, : 336}, {: proof \, : 337, : 393}, {: , : 394, : 430}]}, : {: [{: {: , : 0, : 143}, : {: proof \, : 144, : 226}}, {: {: , : 227, : 278}, : {: Proof \, : 279, : 336}}, {: {: , : 394, : 430}, : {: proof \, : 337, : 393}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 95}], : [{: , : 96, : 140}, {: , : 141, : 172}, {: , : 173, : 257}], : [{: , : 258, : 298}, {: , : 299, : 402}, {: , : 403, : 456}]}, : {: [{: {: , : 0, : 95}, : {: , : 96, : 140}}, {: {: , : 0, : 95}, : {: , : 141, : 172}}, {: {: , : 0, : 95}, : {: , : 173, : 257}}], : [{: {: , : 299, : 402}, : {: , : 403, : 456}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 34}], : [{: , : 35, : 140}, {: , : 141, : 236}, {: , : 237, : 346}]}, : {}}, : []} |
| {: floors \, : {: {: [{: , : 0, : 48}, {: floors \, : 49, : 175}], : [{: , : 176, : 369}]}, : {: [{: {: floors \, : 49, : 175}, : {: , : 176, : 369}}]}}, : []} |
| {: consumer representatives \ Power of Attorney \, : {: {: [{: consumer representatives \ Power of Attorney \, : 0, : 214}], : [{: , : 215, : 298}, {: , : 408, : 575}], : [{: , : 299, : 407}]}, : {}}, : []} |
| {: , : {: {: [{: , : 0, : 174}, {: , : 402, : 549}, {: , : 550, : 693}], : [{: , : 175, : 340}, {: , : 341, : 401}]}, : {: [{: {: , : 0, : 174}, : {: , : 175, : 340}}, {: {: , : 0, : 174}, : {: , : 341, : 401}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 46}, {: , : 47, : 79}, {: , : 80, : 192}]}, : {: [{: {: , : 0, : 46}, : {: , : 47, : 79}}, {: {: , : 80, : 192}, : {: , : 47, : 79}}]}}, : []} |
| {: here is the info you requested. \ frivolous and irrelevant \, : {: {: [{: , : 0, : 72}, {: , : 73, : 150}, {: , : 151, : 165}, {: , : 166, : 178}, {: , : 231, : 303}, {: , : 431, : 473}, {: , : 663, : 710}, {: , : 711, : 739}, {: , : 740, : 761}, {: , : 762, : 848}, {: frivolous and irrelevant \, : 849, : 932}, {: , : 933, : 970}], : [{: , : 179, : 230}, {: , : 304, : 338}, {: , : 339, : 388}, {: , : 389, : 430}, {: , : 474, : 525}, {: here is the info you requested. \, : 526, : 627}, {: , : 628, : 662}]}, : {: [{: {: , : 151, : 165}, : {: , : 166, : 178}}, {: {: , : 166, : 178}, : {: , : 179, : 230}}, {: {: , : 166, : 178}, : {: , : 231, : 303}}, {: {: , : 166, : 178}, : {: , : 304, : 338}}, {: {: , : 166, : 178}, : {: , : 339, : 388}}, {: {: , : 166, : 178}, : {: , : 389, : 430}}, {: {: , : 166, : 178}, : {: , : 431, : 473}}, {: {: , : 166, : 178}, : {: , : 474, : 525}}, {: {: , : 166, : 178}, : {: here is the info you requested. \, : 526, : 627}}, {: {: , : 166, : 178}, : {: , : 628, : 662}}, {: {: , : 711, : 739}, : {: , : 740, : 761}}, {: {: , : 762, : 848}, : {: frivolous and irrelevant \, : 849, : 932}}, {: {: frivolous and irrelevant \, : 849, : 932}, : {: , : 933, : 970}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 55}, {: , : 56, : 119}, {: , : 120, : 154}, {: , : 155, : 321}, {: , : 322, : 393}, {: , : 394, : 460}, {: , : 461, : 498}, {: , : 499, : 535}, {: , : 536, : 584}, {: , : 585, : 640}, {: , : 641, : 821}, {: , : 822, : 967}, {: , : 968, : 1037}, {: , : 1038, : 1101}, {: , : 1102, : 1225}, {: , : 1226, : 1274}, {: , : 1275, : 1392}]}, : {: [{: {: , : 461, : 498}, : {: , : 499, : 535}}, {: {: , : 536, : 584}, : {: , : 585, : 640}}, {: {: , : 585, : 640}, : {: , : 641, : 821}}, {: {: , : 1226, : 1274}, : {: , : 1102, : 1225}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 77}, {: , : 78, : 119}, {: , : 120, : 141}, {: , : 142, : 270}, {: , : 271, : 307}, {: , : 308, : 337}, {: , : 338, : 403}, {: , : 461, : 491}, {: , : 492, : 564}, {: , : 565, : 581}, {: , : 633, : 665}, {: , : 738, : 799}, {: , : 800, : 840}, {: , : 980, : 1032}, {: , : 1033, : 1146}, {: , : 1286, : 1328}, {: , : 1329, : 1403}, {: , : 1404, : 1436}, {: , : 1586, : 1683}, {: , : 1770, : 1845}], : [{: , : 404, : 435}, {: , : 436, : 460}, {: , : 666, : 715}, {: , : 716, : 737}], : [{: , : 582, : 632}, {: , : 841, : 902}, {: , : 903, : 979}, {: , : 1147, : 1170}, {: , : 1171, : 1191}, {: , : 1192, : 1235}, {: , : 1236, : 1285}, {: , : 1437, : 1522}, {: , : 1523, : 1585}, {: , : 1684, : 1769}]}, : {: [{: {: , : 0, : 77}, : {: , : 78, : 119}}, {: {: , : 0, : 77}, : {: , : 120, : 141}}, {: {: , : 582, : 632}, : {: , : 633, : 665}}, {: {: , : 903, : 979}, : {: , : 841, : 902}}, {: {: , : 1033, : 1146}, : {: , : 980, : 1032}}, {: {: , : 1286, : 1328}, : {: , : 1329, : 1403}}, {: {: , : 1523, : 1585}, : {: , : 1586, : 1683}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 77}, {: , : 119, : 204}], : [{: , : 78, : 118}, {: , : 205, : 236}]}, : {: [{: {: , : 0, : 77}, : {: , : 78, : 118}}, {: {: , : 119, : 204}, : {: , : 205, : 236}}]}}, : []} |
| {: , : {: {: [{: , : 0, : 120}, {: , : 256, : 326}], : [{: , : 121, : 255}, {: , : 327, : 436}]}, : {: [{: {: , : 256, : 326}, : {: , : 327, : 436}}]}}, : []} |
| {: in writing \, : {: {: [{: , : 0, : 65}, {: , : 66, : 154}, {: in writing \, : 155, : 298}, {: , : 416, : 467}, {: , : 468, : 597}, {: , : 624, : 692}, {: , : 693, : 735}, {: , : 736, : 809}, {: , : 810, : 878}, {: , : 1052, : 1099}], : [{: , : 299, : 415}, {: , : 598, : 623}], : [{: , : 879, : 1051}, {: , : 1100, : 1214}, {: , : 1215, : 1274}]}, : {: [{: {: , : 0, : 65}, : {: , : 66, : 154}}, {: {: , : 66, : 154}, : {: , : 1052, : 1099}}, {: {: , : 66, : 154}, : {: in writing \, : 155, : 298}}, {: {: , : 66, : 154}, : {: , : 299, : 415}}, {: {: , : 66, : 154}, : {: , : 468, : 597}}, {: {: , : 66, : 154}, : {: , : 693, : 735}}, {: {: , : 66, : 154}, : {: , : 736, : 809}}, {: {: , : 416, : 467}, : {: , : 299, : 415}}, {: {: , : 693, : 735}, : {: , : 624, : 692}}, {: {: , : 810, : 878}, : {: , : 736, : 809}}, {: {: , : 1100, : 1214}, : {: , : 1052, : 1099}}]}}, : []} |
| {: sender ID \, : {: {: [{: , : 0, : 102}], : [{: sender ID \, : 103, : 175}, {: , : 176, : 260}, {: , : 261, : 341}]}, : {: [{: {: , : 176, : 260}, : {: sender ID \, : 103, : 175}}, {: {: , : 261, : 341}, : {: , : 176, : 260}}]}}, : []} |
| {: we' re trying to locate xxx-do you know them? \". When they answer yes, they ask them to deliver a message to me (phone number and name). I' ve been told this is not illegal since they are using public information and not revealing who they are or what the call is in relation to, but this tactic is shameful. We are making an honest effort to get current and stay current, but when my neighbor hands me a piece of paper with a note on it, I feel pretty powerless. This is both harassment and abuse in my opinion and it should be addressed.outputentitiestestimonytextI have a creditor who begins calling withing a few days of becoming past due.startendtextThey are relentless calling up to 10 + times a day.startendtextI don' t call them back", "start": 130, "end": 153}, {"text": "because once on the phone with them, they hound you until you agree to make a payment or post-date a payment.", "start": 154, "end": 263}, {"text": "If I don' t call them within about 15 days of becoming past due, they start calling my relatives and neighbors and say \.startendtextWhen they answer yes, they ask them to deliver a message to me (phone number and name).startendtextI' ve been told this is not illegal since they are using public information and not revealing who they are or what the call is in relation to,", "start": 522, "end": 664}], "value": [{"text": "but this tactic is shameful.", "start": 665, "end": 693}, {"text": "We are making an honest effort to get current and stay current,", "start": 694, "end": 757}, {"text": "but when my neighbor hands me a piece of paper with a note on it, I feel pretty powerless.", "start": 758, "end": 848}, {"text": "This is both harassment and abuse in my opinion", "start": 849, "end": 896}], "policy": [{"text": "and it should be addressed.", "start": 897, "end": 924}]}, "relations": {"reason": [{"head": {"text": "I don' t call them backstartendtailtextbecause once on the phone with them, they hound you until you agree to make a payment or post-date a payment.startendheadtextand it should be addressed.startendtailtextThis is both harassment and abuse in my opinionstartendschema |
| inputA dialer does none of the things to which you refer. A human takes a lists of calls that are deemed restricted to any of the criteria that you listed, and loads that list into the computer software that also holds a lists of all calls to be made. Then the list of restricted calls are \ out of the automated dialer. This scrubbing process is akin to a human scratching out a phone number with a pen on a paper list. There are no measurable gains in consumer protection to which you refer. Calls are not recorded through the dialer. Dialers work in unison with the recording software. This recording software records manual phone calls just the same.outputentitiesfacttextA dialer does none of the things to which you refer.startendtextA human takes a lists of calls that are deemed restricted to any of the criteria that you listed,startendtextand loads that list into the computer software that also holds a lists of all calls to be made.startendtextThen the list of restricted calls are \ out of the automated dialer.startendtextCalls are not recorded through the dialer.startendtextDialers work in unison with the recording software.startendtextThis recording software records manual phone calls just the same.startendvaluetextThis scrubbing process is akin to a human scratching out a phone number with a pen on a paper list.startendtextThere are no measurable gains in consumer protection to which you refer.startendrelationsschema |
| inputWork email can be handled in a foti-compliant manner, where the email body doesn' t disclose the debt but includes content in a link, that is part of the email but isn' t available for viewing by the administrator. Social media and text messages can be handled the same way.outputentitiesfacttextWork email can be handled in a foti-compliant manner, where the email body doesn' t disclose the debt but includes content in a link, that is part of the email but isn' t available for viewing by the administrator.startendvaluetextSocial media and text messages can be handled the same way.startendrelationsschema |
| inputI think they should have to have a license to be debt collectors and at the time they did not. Additionally there should be harassment laws regarding just this matter about landlords as if someone sues you 3Xs for the same thing, they should lose their collections license. I even responded from the very beginning with a certified letter stating that I did not owe any part of the debt! Additionally what did help after almost 20 years was reporting the landlords real estate license for violating business practices in NYS for overcharging rent statements. This certainly got their attention however I still had to retain an attorney for a lawsuit against them and prevailed but then you have to pay the 20% of what you recoup to the attorney. I wish they would just lose their license for harassing you for 20 years. It is disgusting that no one in NYC has done anything about it but then I don' t need to tell you how corrupt everyone there is and that includes the legal system. NYC government and housing system is like dealing with the mob and I say that after having to deal with them aggressively for the past 3 years after being attacked for almost 20", "output": {"entities": {"value": [{"text": "I think they should have to have a license to be debt collectors", "start": 0, "end": 64}, {"text": "I wish they would just lose their license for harassing you for 20 years.", "start": 746, "end": 819}, {"text": "It is disgusting that no one in NYC has done anything about it", "start": 820, "end": 882}, {"text": "but then I don' t need to tell you how corrupt everyone there is and that includes the legal system.startendtextNYC government and housing system is like dealing with the mobstartendtestimonytextand at the time they did not.startendtextI even responded from the very beginning with a certified letter stating that I did not owe any part of the debt!startendtextAdditionally what did help after almost 20 years was reporting the landlords real estate license for violating business practices in NYS for overcharging rent statements.startendtextThis certainly got their attentionstartendtexthowever I still had to retain an attorney for a lawsuit against them and prevailedstartendtextand I say that after having to deal with them aggressively for the past 3 years after being attacked for almost 20startendpolicytextAdditionally there should be harassment laws regarding just this matter about landlordsstartendtextas if someone sues you 3Xs for the same thing, they should lose their collections license.startendfacttextbut then you have to pay the 20% of what you recoup to the attorney.startendrelationsreasonheadtextAdditionally there should be harassment laws regarding just this matter about landlordsstartendtailtextas if someone sues you 3Xs for the same thing, they should lose their collections license.startendheadtextNYC government and housing system is like dealing with the mobstartendtailtextand I say that after having to deal with them aggressively for the past 3 years after being attacked for almost 20startendschema |
| inputWith increased and onerous liability for making calls and sending letters to debtors, creditors and debt buyers have had little option but to file suit rather than repeatedly attempt to contact an uncooperative or uncommunicative debtor. Most complaints provide adequate and identifying information about the debt. In my experience, most debtors don' t feel taken advantage of by lawsuits, they simply understand they owe the debt so there is little point in filing an answer or taking time to appear in court. In fact, the vast majority never respond to a Federal Law letter inviting them to dispute the debt. Filing suits and appearing in court is expensive and time consuming for creditors and debt buyer, but there is little alternative, nor should there be as these matters have always been governed appropriately by State law and State judges. and the US is a credit ecomony over 70% of our economy is based on consumer spending which comes mainly from credit extensions and not consumers pay increases), there are simply more defaults, particularly in a Great Recession. Any heavy handed Federal regulation will hamper and restrict credit granting and debt buying, both of which are needed by the economy and the credit industry. While credit grantors should should make their documentation retention systems more accessible and share more documents upon a sale of accounts, a lack of documentation should not hamper State court lawsuits when a debtor offers no dispute so long as the account is adequately identified in a complaint. In Michigan, efforts to \" make it more likely that consumers would defend themselves \" have fell very flat for the reasons mentioned above. As it has always been, the protections are in place and are used by those debtors that wish to avail themselves of them. Judges are there to listen. However, most debtors (bless them) understand they simply owe the debt.", "output": {"entities": {"value": [{"text": "With increased and onerous liability for making calls and sending letters to debtors, creditors and debt buyers have had little option but to file suit rather than repeatedly attempt to contact an uncooperative or uncommunicative debtor.", "start": 0, "end": 237}, {"text": "Most complaints provide adequate and identifying information about the debt.", "start": 238, "end": 314}, {"text": "In my experience, most debtors don' t feel taken advantage of by lawsuits,startendtextthey simply understand they owe the debtstartendtextso there is little point in filing an answer or taking time to appear in court.startendtextbut there is little alternative,startendtextas these matters have always been governed appropriately by State law and State judges.startendtextand the US is a credit ecomonystartendtextthere are simply more defaults,startendtextparticularly in a Great Recession.startendtextAny heavy handed Federal regulation will hamper and restrict credit granting and debt buying,startendtextboth of which are needed by the economy and the credit industry.startendtextIn Michigan, efforts to \ have fell very flat for the reasons mentioned above.startendtextAs it has always been, the protections are in place and are used by those debtors that wish to avail themselves of them.startendtextJudges are there to listen.startendtextHowever, most debtors (bless them) understand they simply owe the debt.startendfacttextIn fact, the vast majority never respond to a Federal Law letter inviting them to dispute the debt.startendtextFiling suits and appearing in court is expensive and time consuming for creditors and debt buyer,startendtextover 70% of our economy is based on consumer spendingstartendtextwhich comes mainly from credit extensions and not consumers pay increases),startendpolicytextnor should there bestartendtextWhile credit grantors should should make their documentation retention systems more accessible and share more documents upon a sale of accounts,startendtexta lack of documentation should not hamper State court lawsuits when a debtor offers no dispute so long as the account is adequately identified in a complaint.startendrelationsreasonheadtextIn my experience, most debtors don' t feel taken advantage of by lawsuits,", "start": 315, "end": 389}, "tail": {"text": "they simply understand they owe the debt", "start": 390, "end": 430}}, {"head": {"text": "so there is little point in filing an answer or taking time to appear in court.", "start": 431, "end": 510}, "tail": {"text": "In my experience, most debtors don' t feel taken advantage of by lawsuits,startendheadtextso there is little point in filing an answer or taking time to appear in court.startendtailtextthey simply understand they owe the debtstartendheadtextIn fact, the vast majority never respond to a Federal Law letter inviting them to dispute the debt.startendtailtextFiling suits and appearing in court is expensive and time consuming for creditors and debt buyer,startendheadtextnor should there bestartendtailtextas these matters have always been governed appropriately by State law and State judges.startendheadtextand the US is a credit ecomonystartendtailtextover 70% of our economy is based on consumer spendingstartendheadtextand the US is a credit ecomonystartendtailtextwhich comes mainly from credit extensions and not consumers pay increases),startendschema |
| inputWhen we did it, it was agreed that any 3rd party communication outside SOL at any point was a potential violation of the FDCPA. Since 3rd party debt collectors are required to be truthful at all times, they cannot say' we are attempting to collect a debt' if they are time-barred from collecting the debt. We were the meanest, nastiest, most aggressive in the multi-state area at that time, and this was the stance. Suggestion is clarify that time-barred debts are time-barred for the 3rd party as well, and cannot be collected, attempted to be collected, or bought/sold.outputentitiestestimonytextWhen we did it, it was agreed that any 3rd party communication outside SOL at any point was a potential violation of the FDCPA.startendtextand this was the stance.startendfacttextSince 3rd party debt collectors are required to be truthful at all times,startendvaluetextthey cannot say' we are attempting to collect a debt' if they are time-barred from collecting the debt.startendtextWe were the meanest, nastiest, most aggressive in the multi-state area at that time,startendpolicytextSuggestion is clarify that time-barred debts are time-barred for the 3rd party as well, and cannot be collected, attempted to be collected, or bought/sold.startendrelationsreasonheadtextthey cannot say' we are attempting to collect a debt' if they are time-barred from collecting the debt.startendtailtextSince 3rd party debt collectors are required to be truthful at all times,startendschema |
| inputA contractor who did work unlicensed was able to file bogus claims against both me and my wife amounting to double the original bid price. there was no court action. I managed to get rid of the debt collector but there seems nothing I could do to stop another contractor doing the same thing. There should be a penalty for the people filing the false debt. The amount in question was almost $10, 000outputentitiestestimonytextA contractor who did work unlicensed was able to file bogus claims against both me and my wife amounting to double the original bid price.startendtextthere was no court action.startendtextI managed to get rid of the debt collectorstartendtextThe amount in question was almost $10, 000startendvaluetextbut there seems nothing I could do to stop another contractor doing the same thing.startendpolicytextThere should be a penalty for the people filing the false debt.startendrelationsreasonheadtextThere should be a penalty for the people filing the false debt.startendtailtextI managed to get rid of the debt collectorstartendschema |
| inputI do not think that answering 97% of the calls from an automated dialer within two seconds is a solution to my problem. I would like for Mr. Dan to explain exactly what the safeguards of using a robo dialer are. From my perspective as a frequent recipient of robo calls from debt collectors, the problem is a lack of ownership and impersonality of the collection agency when the debt is not assigned to one collector to handle. Years ago when a collector would call me, it would always be the same person. Now it is not. Assign the debt to one collector who would then take full responsibility for making all contacts with the alleged debtor. This could even include acquisition of location information.outputentitiesvaluetextI do not think that answering 97% of the calls from an automated dialer within two seconds is a solution to my problem.startendtextI would like for Mr. Dan to explain exactly what the safeguards of using a robo dialer are.startendtextFrom my perspective as a frequent recipient of robo calls from debt collectors, the problem is a lack of ownership and impersonality of the collection agency when the debt is not assigned to one collector to handle.startendtextThis could even include acquisition of location information.startendtestimonytextYears ago when a collector would call me, it would always be the same person.startendtextNow it is not.startendpolicytextAssign the debt to one collector who would then take full responsibility for making all contacts with the alleged debtor.startendrelationsreasonheadtextI do not think that answering 97% of the calls from an automated dialer within two seconds is a solution to my problem.startendtailtextFrom my perspective as a frequent recipient of robo calls from debt collectors, the problem is a lack of ownership and impersonality of the collection agency when the debt is not assigned to one collector to handle.startendheadtextAssign the debt to one collector who would then take full responsibility for making all contacts with the alleged debtor.startendtailtextYears ago when a collector would call me, it would always be the same person.startendheadtextAssign the debt to one collector who would then take full responsibility for making all contacts with the alleged debtor.startendtailtextNow it is not.startendschema |
| inputVerifying the debt by the collector is a must. I had an instance where the bill was sent to wrong address. After 6 months I got a call reg the debt. They mentioned only the amount and the service provider. when service provider was contacted they said already it is on collection and we' re not helpful. i asked them to send the Bill to pay it off. Only more calls from collector started. After almost 6/7 requests to the collector the bill detail was sent. On verification with my bank statement I found out that the amount had been paid. When confronted both the collector and service provider did not bother to apologize for the mistake. It is a case of non verification.", "output": {"entities": {"policy": [{"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}], "testimony": [{"text": "I had an instance where the bill was sent to wrong address.", "start": 47, "end": 106}, {"text": "After 6 months I got a call reg the debt.", "start": 107, "end": 148}, {"text": "They mentioned only the amount and the service provider.", "start": 149, "end": 205}, {"text": "when service provider was contacted they said already it is on collection and we' re not helpful.startendtexti asked them to send the Bill to pay it off.startendtextOnly more calls from collector started.startendtextAfter almost 6/7 requests to the collector the bill detail was sent.startendtextOn verification with my bank statement I found out that the amount had been paid.startendtextWhen confronted both the collector and service provider did not bother to apologize for the mistake.startendvaluetextIt is a case of non verification.startendrelationsreasonheadtextVerifying the debt by the collector is a must.startendtailtextI had an instance where the bill was sent to wrong address.startendheadtextVerifying the debt by the collector is a must.startendtailtextAfter 6 months I got a call reg the debt.startendheadtextVerifying the debt by the collector is a must.startendtailtextThey mentioned only the amount and the service provider.startendheadtextVerifying the debt by the collector is a must.startendtailtextwhen service provider was contacted they said already it is on collection and we' re not helpful.", "start": 206, "end": 303}}, {"head": {"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}, "tail": {"text": "i asked them to send the Bill to pay it off.", "start": 304, "end": 348}}, {"head": {"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}, "tail": {"text": "Only more calls from collector started.", "start": 349, "end": 388}}, {"head": {"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}, "tail": {"text": "After almost 6/7 requests to the collector the bill detail was sent.", "start": 389, "end": 457}}, {"head": {"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}, "tail": {"text": "On verification with my bank statement I found out that the amount had been paid.", "start": 458, "end": 539}}, {"head": {"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}, "tail": {"text": "When confronted both the collector and service provider did not bother to apologize for the mistake.", "start": 540, "end": 640}}, {"head": {"text": "Verifying the debt by the collector is a must.", "start": 0, "end": 46}, "tail": {"text": "It is a case of non verification.", "start": 641, "end": 674}}]}}, "schema": []} |
| {"input": "Keep in mind that there are businesses or entities that allow people to receive credit for things they do not have money for at the moment. The business or entity, in good faith, extends credit to the consumer with the intent to receive payment at a later date. The business or entity was provided contact information by the consumer that it will use to collect or pass along to a collection agency to use to collect. The consumer can list whatever numbers or information they want and the business or entity must consider it to be truthful. Often the only way to determine if the information is accurate is to make a phone call. I' ve received these calls myself. Depending on how much debt and how many business or entities have extended credit may be a factor on how often third parties are contacted. I do believe that collection agencies that violate the law are not good for anyone. However, I pay my bills and would expect that everyone should be responsible for paying their bills. Much of the discussion has nothing to do with weather the bill is owed but how the contact was made. Have you been harmed by a phone call? No Has the business or entity been harmed by the debt not being paid? Yes Have those of us that due pay our bills been harmed by the outstanding debt? YesoutputentitiesfacttextKeep in mind that there are businesses or entities that allow people to receive credit for things they do not have money for at the moment.startendtextThe business or entity, in good faith, extends credit to the consumer with the intent to receive payment at a later date.startendtextThe business or entity was provided contact information by the consumer that it will use to collect or pass along to a collection agency to use to collect.startendtextThe consumer can list whatever numbers or information they wantstartendpolicytextand the business or entity must consider it to be truthful.startendvaluetextOften the only way to determine if the information is accurate is to make a phone call.startendtextDepending on how much debt and how many business or entities have extended credit may be a factor on how often third parties are contacted.startendtextI do believe that collection agencies that violate the law are not good for anyone.startendtextand would expect that everyone should be responsible for paying their bills.startendtextMuch of the discussion has nothing to do with weather the bill is owed but how the contact was made.startendtestimonytextI' ve received these calls myself.", "start": 630, "end": 664}, {"text": "However, I pay my bills", "start": 889, "end": 912}]}, "relations": {"reason": [{"head": {"text": "Keep in mind that there are businesses or entities that allow people to receive credit for things they do not have money for at the moment.", "start": 0, "end": 139}, "tail": {"text": "The business or entity, in good faith, extends credit to the consumer with the intent to receive payment at a later date.", "start": 140, "end": 261}}]}}, "schema": []} |
| {"input": "I have had my cell phone number for 4 1/2 years; the previous owner of my number had a student loan debt.... I cannot get collection agencies to stop calling me! Every time I emphatically tell them I' m not the person in question and the person dutifully \. But in another few months I hear from them (or probably a collector who bought the list) all over again. I' m familiar with the FDCPA, but I don' t think it currently provides a practical solution for me.outputentitiestestimonytextI have had my cell phone number for 4 1/2 years;startendtextthe previous owner of my number had a student loan debt....startendtextI cannot get collection agencies to stop calling me!startendtextEvery time I emphatically tell them I' m not the person in question", "start": 162, "end": 229}, {"text": "and the person dutifully \" takes me off the list \".", "start": 230, "end": 281}, {"text": "But in another few months I hear from them (or probably a collector who bought the list) all over again.", "start": 282, "end": 386}], "value": [{"text": "I' m familiar with the FDCPA,startendtextbut I don' t think it currently provides a practical solution for me.", "start": 417, "end": 486}]}, "relations": {"reason": [{"head": {"text": "and the person dutifully \" takes me off the list \".", "start": 230, "end": 281}, "tail": {"text": "Every time I emphatically tell them I' m not the person in questionstartendschema |
| inputThe current penalty for violating the FDCPA is \ Further, the violations cannot be \ so those violating the law 10 times on one debt, will generally only face the maximum of a $1000 penalty. Punitive damages are hard to prove. A $1000 penalty is not a deterrent to the debt collection industry, and too low to get most attorney' s interest is taking these cases. If we want to see the law upheld, raise the penalty to $10, 000 per violation and you' ll see most of these characters clean up their act and stop using abusive collection tactics.outputentitiesfacttextThe current penalty for violating the FDCPA is \startendtextFurther, the violations cannot be \startendvaluetextso those violating the law 10 times on one debt, will generally only face the maximum of a $1000 penalty.startendtextPunitive damages are hard to prove.startendtextA $1000 penalty is not a deterrent to the debt collection industry, and too low to get most attorney' s interest is taking these cases.", "start": 275, "end": 410}, {"text": "and you' ll see most of these characters clean up their act and stop using abusive collection tactics.startendpolicytextIf we want to see the law upheld, raise the penalty to $10, 000 per violationstartendrelationsreasonheadtextso those violating the law 10 times on one debt, will generally only face the maximum of a $1000 penalty.startendtailtextFurther, the violations cannot be \startendheadtextIf we want to see the law upheld, raise the penalty to $10, 000 per violationstartendtailtextA $1000 penalty is not a deterrent to the debt collection industry, and too low to get most attorney' s interest is taking these cases.", "start": 275, "end": 410}}, {"head": {"text": "If we want to see the law upheld, raise the penalty to $10, 000 per violation", "start": 411, "end": 488}, "tail": {"text": "and you' ll see most of these characters clean up their act and stop using abusive collection tactics.startendschema |
| inputThe contractor was just able to make up an invoice and send it to the collection agency. At the time legal action was being pursued against the contractor and we then had to deal with collection agencies aswell as a unlicensed contractor. So in answer to your question, I dont think it would have made much difference as it appears that an invoice is sufficient grounds to file a claimoutputentitiestestimonytextThe contractor was just able to make up an invoice and send it to the collection agency.startendtextAt the time legal action was being pursued against the contractorstartendtextand we then had to deal with collection agencies aswell as a unlicensed contractor.startendvaluetextSo in answer to your question, I dont think it would have made much differencestartendtextas it appears that an invoice is sufficient grounds to file a claimstartendrelationsreasonheadtextSo in answer to your question, I dont think it would have made much differencestartendtailtextas it appears that an invoice is sufficient grounds to file a claimstartendheadtextas it appears that an invoice is sufficient grounds to file a claimstartendtailtextThe contractor was just able to make up an invoice and send it to the collection agency.startendheadtextas it appears that an invoice is sufficient grounds to file a claimstartendtailtextAt the time legal action was being pursued against the contractorstartendschema |
| inputIf you have a standing complaint with a company' s mishandling of your account and/or complaints with any federally recognized oversight bureau, like CFPB, a company should be required to resolve the dispute before prosecuting what they define as a breach of debt. Banks and companies should not be allowed to try to prosecute over \" missed \" payments that were erroneously processed by them. Especially when evidence has been provided to the contrary and disputes are on file. Continuing to place the burden of proof on the consumer is onerous and prohibitive for many consumers. I personally had a problem with a mortgage company and the amount of my time it took to get the problem resolved was worth 20% of the original principal amount. If a consumer complaint is on file, the company should be burdened with disproving the consumer complaint before prosecuting. They have both the financial and personnel resources to do so, whereas a consumer usually does not. Otherwise, why wouldn' t they continue to bully and defraud consumers to boost bottom line profits?outputentitiespolicytextIf you have a standing complaint with a company' s mishandling of your account and/or complaints with any federally recognized oversight bureau, like CFPB, a company should be required to resolve the dispute before prosecuting what they define as a breach of debt.", "start": 0, "end": 264}, {"text": "Banks and companies should not be allowed to try to prosecute over \" missed \" payments that were erroneously processed by them.", "start": 265, "end": 392}, {"text": "If a consumer complaint is on file, the company should be burdened with disproving the consumer complaint before prosecuting.", "start": 742, "end": 867}], "value": [{"text": "Especially when evidence has been provided to the contrary and disputes are on file.", "start": 393, "end": 477}, {"text": "Continuing to place the burden of proof on the consumer is onerous and prohibitive for many consumers.", "start": 478, "end": 580}, {"text": "I personally had a problem with a mortgage company", "start": 581, "end": 631}, {"text": "and the amount of my time it took to get the problem resolved was worth 20% of the original principal amount.", "start": 632, "end": 741}, {"text": "They have both the financial and personnel resources to do so, whereas a consumer usually does not.", "start": 868, "end": 967}, {"text": "Otherwise, why wouldn' t they continue to bully and defraud consumers to boost bottom line profits?startendrelationsreasonheadtextContinuing to place the burden of proof on the consumer is onerous and prohibitive for many consumers.startendtailtextI personally had a problem with a mortgage companystartendheadtextContinuing to place the burden of proof on the consumer is onerous and prohibitive for many consumers.startendtailtextand the amount of my time it took to get the problem resolved was worth 20% of the original principal amount.startendheadtextIf a consumer complaint is on file, the company should be burdened with disproving the consumer complaint before prosecuting.startendtailtextThey have both the financial and personnel resources to do so, whereas a consumer usually does not.startendheadtextThey have both the financial and personnel resources to do so, whereas a consumer usually does not.startendtailtextOtherwise, why wouldn' t they continue to bully and defraud consumers to boost bottom line profits?", "start": 968, "end": 1067}}]}}, "schema": []} |
| {"input": "As I have had many accounts in collection due to an identity theft, I have several different experiences with the \" validation \" process. My belief is that there is no rule defining exactly what documentation constitutes validation. As we know, if we dispute with the CRA and ask for a reinvestigation, all that will be done is the social security number will be matched and verified with the amount owed. It is a useless tool and a waste of the consumer' s time. Asking for validation with a collection agency is almost as useless. This is because current laws suggest that the collection agency provide the consumer with information \ the name and address of the original creditor, and the amount owed. This does not prove a debt is still owed, and to whom it is owed. If we are going to allow companies to buy debts for amounts as low as pennies on the dollar, then the burden of proof MUST lie with the collection agency. As they are in the business of collecting debts, they are given all information regarding payment history, original contracts, methods of prior payment, and all personal information relating to the consumer. For far too long the consumer has been at the mercy of the collection agency. We are forced to send proof of our identity, current mailing address, phone number, etc. as well as all documentation we have regarding the account that would show an error has been made. The collection agency has this information readily available. And if they do not, the account should be permanently deleted. If the collection agency cannot produce documentation from the original creditor including (1) a contract (2) payment history from original creditor if any (3) proper identification of the consumer (4) proof of purchase of the debt (5) proof they are legally able to collect on the debt in the consumer' s state-then there should be laws in place that prevent the debt from being reported. In most cases, it is being reported from the original creditor already. And if it isn' t, this should be a red flag to CRA' s that the debt is not valid. Collection agencies must be able to show proof that a collection notice was sent, and they should be required to provide the same proof a consumer must provide to prove a dispute was sent (CMRR). If it is required of the consumer, it should be required of all. A debt should be considered validated only when all of these conditions have been met. Without these safeguards, a consumer could end up paying a debt they do not owe. It happens all the time. How many stories have you heard of collection agencies voluntarily providing any information to a consumer before demanding money? They don' t. Enough is enough. Take the burden of proof off the consumer and place it with the party that legally owns the debt.outputentitiestestimonytextAs I have had many accounts in collection due to an identity theft,startendtextI have several different experiences with the \ process.startendvaluetextMy belief is that there is no rule defining exactly what documentation constitutes validation.startendtextAs we know, if we dispute with the CRA and ask for a reinvestigation, all that will be done is the social security number will be matched and verified with the amount owed.startendtextIt is a useless tool and a waste of the consumer' s time.", "start": 406, "end": 463}, {"text": "Asking for validation with a collection agency is almost as useless.", "start": 464, "end": 532}, {"text": "This does not prove a debt is still owed, and to whom it is owed.", "start": 715, "end": 780}, {"text": "For far too long the consumer has been at the mercy of the collection agency.", "start": 1144, "end": 1221}, {"text": "Without these safeguards, a consumer could end up paying a debt they do not owe.", "start": 2427, "end": 2507}, {"text": "It happens all the time.", "start": 2508, "end": 2532}, {"text": "How many stories have you heard of collection agencies voluntarily providing any information to a consumer before demanding money?", "start": 2533, "end": 2663}, {"text": "Enough is enough.", "start": 2677, "end": 2694}], "fact": [{"text": "This is because current laws suggest that the collection agency provide the consumer with information \" such as \" the name and address of the original creditor, and the amount owed.", "start": 533, "end": 714}, {"text": "As they are in the business of collecting debts,", "start": 936, "end": 984}, {"text": "they are given all information regarding payment history, original contracts, methods of prior payment, and all personal information relating to the consumer.", "start": 985, "end": 1143}, {"text": "We are forced to send proof of our identity, current mailing address, phone number, etc. as well as all documentation we have regarding the account that would show an error has been made.", "start": 1222, "end": 1409}, {"text": "The collection agency has this information readily available.", "start": 1410, "end": 1471}, {"text": "In most cases, it is being reported from the original creditor already.", "start": 1925, "end": 1996}, {"text": "They don' t.startendpolicytextIf we are going to allow companies to buy debts for amounts as low as pennies on the dollar, then the burden of proof MUST lie with the collection agency.startendtextAnd if they do not, the account should be permanently deleted.startendtextIf the collection agency cannot produce documentation from the original creditor including (1) a contract (2) payment history from original creditor if any (3) proper identification of the consumer (4) proof of purchase of the debt (5) proof they are legally able to collect on the debt in the consumer' s state-then there should be laws in place that prevent the debt from being reported.", "start": 1535, "end": 1924}, {"text": "And if it isn' t, this should be a red flag to CRA' s that the debt is not valid.", "start": 1997, "end": 2078}, {"text": "Collection agencies must be able to show proof that a collection notice was sent,", "start": 2079, "end": 2160}, {"text": "and they should be required to provide the same proof a consumer must provide to prove a dispute was sent (CMRR).", "start": 2161, "end": 2274}, {"text": "If it is required of the consumer, it should be required of all.", "start": 2275, "end": 2339}, {"text": "A debt should be considered validated only when all of these conditions have been met.", "start": 2340, "end": 2426}, {"text": "Take the burden of proof off the consumer and place it with the party that legally owns the debt.", "start": 2695, "end": 2792}]}, "relations": {"reason": [{"head": {"text": "I have several different experiences with the \" validation \" process.", "start": 68, "end": 137}, "tail": {"text": "As I have had many accounts in collection due to an identity theft,", "start": 0, "end": 67}}, {"head": {"text": "It is a useless tool and a waste of the consumer' s time.startendtailtextAs we know, if we dispute with the CRA and ask for a reinvestigation, all that will be done is the social security number will be matched and verified with the amount owed.startendheadtextAsking for validation with a collection agency is almost as useless.startendtailtextThis is because current laws suggest that the collection agency provide the consumer with information \ the name and address of the original creditor, and the amount owed.startendheadtextAsking for validation with a collection agency is almost as useless.startendtailtextThis does not prove a debt is still owed, and to whom it is owed.startendheadtextthey are given all information regarding payment history, original contracts, methods of prior payment, and all personal information relating to the consumer.startendtailtextAs they are in the business of collecting debts,startendheadtextFor far too long the consumer has been at the mercy of the collection agency.startendtailtextWe are forced to send proof of our identity, current mailing address, phone number, etc. as well as all documentation we have regarding the account that would show an error has been made.startendheadtextand they should be required to provide the same proof a consumer must provide to prove a dispute was sent (CMRR).startendtailtextIf it is required of the consumer, it should be required of all.startendheadtextA debt should be considered validated only when all of these conditions have been met.startendtailtextWithout these safeguards, a consumer could end up paying a debt they do not owe.startendschema |
| inputThey didn' t say a thing about it. They contacted him via phone since he was homeless at the time and told him they were taking him to court. They didn' t even tell him which debt it was for initially.outputentitiestestimonytextThey didn' t say a thing about it.", "start": 0, "end": 34}, {"text": "They contacted him via phone", "start": 35, "end": 63}, {"text": "since he was homeless at the time and told him they were taking him to court.", "start": 64, "end": 141}, {"text": "They didn' t even tell him which debt it was for initially.startendrelationsreasonheadtextThey contacted him via phonestartendtailtextsince he was homeless at the time and told him they were taking him to court.startendschema |
| inputMy concern about a \ investigation is that it is so subjective. It opens the collector up to an entirely new avenue of prosecution. It is unlikely that a consumer and collector are ever going to agree on what is \. As it stands now courts have steadfastly maintained that collectors are allowed to rely on information given to them by their clients: ie: a debt for an amount stated against consumer so and so. Beyond that the consumer and the collector have the ability to ask a third party, a judge, to make a determination. By all appearances the FTC and the CFPB would place this burden directly on the collector, with predictable results: more needless litigation over the process and less resolution regarding the debt itself. One alternative might be for the rule to state a set formula for verification along with the proviso that if the collector follows it they are provided a safe harbor from litigation. However the myriad possibilities for reasonable investigation probably preclude anything so simple. In the end I think it is still a judges purvey to make the final determination.outputentitiesvaluetextMy concern about a \ investigation is that it is so subjective.startendtextIt opens the collector up to an entirely new avenue of prosecution.startendtextIt is unlikely that a consumer and collector are ever going to agree on what is \.startendtextBy all appearances the FTC and the CFPB would place this burden directly on the collector, with predictable results: more needless litigation over the process and less resolution regarding the debt itself.startendtextHowever the myriad possibilities for reasonable investigation probably preclude anything so simple.startendtextIn the end I think it is still a judges purvey to make the final determination.startendfacttextAs it stands now courts have steadfastly maintained that collectors are allowed to rely on information given to them by their clients: ie: a debt for an amount stated against consumer so and so.startendtextBeyond that the consumer and the collector have the ability to ask a third party, a judge, to make a determination.startendpolicytextOne alternative might be for the rule to state a set formula for verification along with the proviso that if the collector follows it they are provided a safe harbor from litigation.startendrelationsreasonheadtextMy concern about a \ investigation is that it is so subjective.startendtailtextIt opens the collector up to an entirely new avenue of prosecution.startendheadtextIt opens the collector up to an entirely new avenue of prosecution.startendtailtextIt is unlikely that a consumer and collector are ever going to agree on what is \.startendschema |
| inputAs a former bill collector for over 17 years there are alot of ways the industry needs to be cleaned up. I do believe that a debtor should be informed of when a debt is transfered from original creditor to a collector and whether or not that collection agency purchased the debt or if the agency is contracted by the original creditor to collect the debt. There is a big misconception that I see being made in most of these comments that everything is \ which is far from the truth! I personally have not and would not work for an agency that purchased debt, because I know and have heard the horror stories of not only how they treat the debtor but also how the business as a whole treats the collector.outputentitiesvaluetextAs a former bill collector for over 17 years there are alot of ways the industry needs to be cleaned up.startendtextThere is a big misconception that I see being made in most of these comments that everything is \ which is far from the truth!startendtextbecause I know and have heard the horror stories of not only how they treat the debtor but also how the business as a whole treats the collector.startendpolicytextI do believe that a debtor should be informed of when a debt is transfered from original creditor to a collector and whether or not that collection agency purchased the debt or if the agency is contracted by the original creditor to collect the debt.startendtestimonytextI personally have not and would not work for an agency that purchased debt,startendrelationsreasonheadtextI personally have not and would not work for an agency that purchased debt,startendtailtextbecause I know and have heard the horror stories of not only how they treat the debtor but also how the business as a whole treats the collector.startendschema |
| inputOwing to the inherently non-private nature of the internet, NOTHING should be sent electronically. There is absolutely nothing wrong with continuing the use of the US Mail. However, the consumer should be free to allow the use of specific electronic communications, if they deem it proper. However, that should be specific; so that a collector cannot use Facebook, twitter, etc; only the specified means.outputentitiesvaluetextOwing to the inherently non-private nature of the internet,startendtextThere is absolutely nothing wrong with continuing the use of the US Mail.startendtextso that a collector cannot use Facebook, twitter, etc; only the specified means.startendpolicytextNOTHING should be sent electronically.startendtextHowever, the consumer should be free to allow the use of specific electronic communications, if they deem it proper.startendtextHowever, that should be specific;startendrelationsreasonheadtextNOTHING should be sent electronically.startendtailtextOwing to the inherently non-private nature of the internet,startendheadtextHowever, that should be specific;startendtailtextso that a collector cannot use Facebook, twitter, etc; only the specified means.startendschema |
| inputI think the Massachusetts rule is a positive step in the right direction, and would be better than the current situation. However, for those debtors who truly cannot pay at all, due to a serious adverse life event, such as the loss of a job due to a medical disability, their situation is not likely to change from week to week. For example, most disability insurance companies only require a patient' s doctor to submit a re-certification of the patient' s medical disability every 3, 6, or 12 months. In essence, the debt collector would be acting as a sort of medical re-certification investigator twice a week, which is unnecessary, burdensome on both debtor and collector, and potentially harassing.outputentitiesvaluetextI think the Massachusetts rule is a positive step in the right direction, and would be better than the current situation.startendtextHowever, for those debtors who truly cannot pay at all, due to a serious adverse life event, such as the loss of a job due to a medical disability, their situation is not likely to change from week to week.startendtextIn essence, the debt collector would be acting as a sort of medical re-certification investigator twice a week, which is unnecessary, burdensome on both debtor and collector, and potentially harassing.startendfacttextFor example, most disability insurance companies only require a patient' s doctor to submit a re-certification of the patient' s medical disability every 3, 6, or 12 months.startendrelationsschema |
| inputDebt Neutrality Petition, you have made a lot of arguments in this thread about \ defaulters. However, the law doesn' t make that distinction. Financial hardship is not a defense to someone' s failure to repay a debt that he or she promised tooutputentitiesfacttextDebt Neutrality Petition, you have made a lot of arguments in this thread about \ defaulters.startendtextHowever, the law doesn' t make that distinction.", "start": 108, "end": 156}], "value": [{"text": "Financial hardship is not a defense to someone' s failure to repay a debt that he or she promised tostartendrelationsreasonheadtextHowever, the law doesn' t make that distinction.", "start": 108, "end": 156}, "tail": {"text": "Financial hardship is not a defense to someone' s failure to repay a debt that he or she promised tostartendschema |
| inputPreserving the industry DOES protect consumers. If there isn' t a lawful and enforceable way of collecting money that is owed, then future consumers will pay the price in increased cost for credit, or denial of credit entirely due to risk.", "output": {"entities": {"value": [{"text": "Preserving the industry DOES protect consumers.", "start": 0, "end": 47}, {"text": "If there isn' t a lawful and enforceable way of collecting money that is owed, then future consumers will pay the price in increased cost for credit, or denial of credit entirely due to risk.startendrelationsreasonheadtextPreserving the industry DOES protect consumers.startendtailtextIf there isn' t a lawful and enforceable way of collecting money that is owed, then future consumers will pay the price in increased cost for credit, or denial of credit entirely due to risk.", "start": 48, "end": 239}}]}}, "schema": []} |
| {"input": "If consumers can receive phone calls on Sundays, there' s no reason for them to not accept emails. Controlling which messages you get and how they are routed and presented to you, including what alerts or sounds they make when received, is only possible with email. Email is far superior to any other communication medium.outputentitiesvaluetextIf consumers can receive phone calls on Sundays, there' s no reason for them to not accept emails.", "start": 0, "end": 98}, {"text": "Email is far superior to any other communication medium.", "start": 266, "end": 322}], "fact": [{"text": "Controlling which messages you get and how they are routed and presented to you, including what alerts or sounds they make when received, is only possible with email.", "start": 99, "end": 265}]}, "relations": {"reason": [{"head": {"text": "Email is far superior to any other communication medium.", "start": 266, "end": 322}, "tail": {"text": "Controlling which messages you get and how they are routed and presented to you, including what alerts or sounds they make when received, is only possible with email.", "start": 99, "end": 265}}]}}, "schema": []} |
| {"input": "These so called free-to-end-user alternatives (if allowed to be used) also need to be regulated. There are huge privacy concerns at stake here. My friend started texting me on a free texting app, and then all of a sudden I was begging to be bombarded by SPAM text and SPAM phone calls. I can' t be certain that the Free Text App that my friend was using was selling my phone number to other people, but it was a massive coincidence. Why else are these text apps free? How do they make their money (besides a few embedded ads)? Of course these people are selling phone numbers. My privacy is not for sell. Nor is my phone number. The CFPB needs to really think about these so called free-to-end user alternatives and what sort of privacy practices these companies are engaging in, if any.outputentitiespolicytextThese so called free-to-end-user alternatives (if allowed to be used) also need to be regulated.startendtextThe CFPB needs to really think about these so called free-to-end user alternatives and what sort of privacy practices these companies are engaging in, if any.startendvaluetextThere are huge privacy concerns at stake here.startendtextI can' t be certain that the Free Text App that my friend was using was selling my phone number to other people,", "start": 286, "end": 398}, {"text": "but it was a massive coincidence.", "start": 399, "end": 432}, {"text": "Why else are these text apps free?", "start": 433, "end": 467}, {"text": "How do they make their money (besides a few embedded ads)?", "start": 468, "end": 526}, {"text": "My privacy is not for sell.", "start": 577, "end": 604}, {"text": "Nor is my phone number.", "start": 605, "end": 628}], "testimony": [{"text": "My friend started texting me on a free texting app,", "start": 144, "end": 195}, {"text": "and then all of a sudden I was begging to be bombarded by SPAM text and SPAM phone calls.", "start": 196, "end": 285}], "fact": [{"text": "Of course these people are selling phone numbers.", "start": 527, "end": 576}]}, "relations": {}}, "schema": []} |
| {"input": "Providing too much information in the first notice creates a risk of divulging sensitive personal information to the person who now lives where the actual debtor used to. I do think that providing the chain of ownership information (especially original creditor) should be provided for sold debts. When it comes to medical debts, HIPPA becomes another concern. Therefore, specific info on medical debts should only be provided AFTER the collector has verified that they are communicating with the proper party.", "output": {"entities": {"value": [{"text": "Providing too much information in the first notice creates a risk of divulging sensitive personal information to the person who now lives where the actual debtor used to.", "start": 0, "end": 170}, {"text": "When it comes to medical debts, HIPPA becomes another concern.", "start": 298, "end": 360}], "policy": [{"text": "I do think that providing the chain of ownership information (especially original creditor) should be provided for sold debts.", "start": 171, "end": 297}, {"text": "Therefore, specific info on medical debts should only be provided AFTER the collector has verified that they are communicating with the proper party.", "start": 361, "end": 510}]}, "relations": {"reason": [{"head": {"text": "I do think that providing the chain of ownership information (especially original creditor) should be provided for sold debts.", "start": 171, "end": 297}, "tail": {"text": "Providing too much information in the first notice creates a risk of divulging sensitive personal information to the person who now lives where the actual debtor used to.", "start": 0, "end": 170}}, {"head": {"text": "Therefore, specific info on medical debts should only be provided AFTER the collector has verified that they are communicating with the proper party.", "start": 361, "end": 510}, "tail": {"text": "When it comes to medical debts, HIPPA becomes another concern.", "start": 298, "end": 360}}]}}, "schema": []} |
| {"input": "I had a debt collector tell me they told me that if I' d make a payment right then they' d make a payment plan. This was an Amercian Express collector. Once I made the payment they said they' re supervisor would have to approve it and they weren' t there. But that she would call back at 7pm MST to make the arrangement. Needless to say no one called back and American Express would not make arrangements with me because they said I was able to pay that amount so I shouldn' t need arrangements. I was so dumbfounded by the collection practices of American Express. It was from their internal collections department.outputentitiestestimonytextI had a debt collector tell me they told me that if I' d make a payment right then they' d make a payment plan.startendtextThis was an Amercian Express collector.startendtextOnce I made the payment they said they' re supervisor would have to approve it and they weren' t there. But that she would call back at 7pm MST to make the arrangement.startendtextNeedless to say no one called backstartendtextand American Express would not make arrangements with mestartendtextbecause they said I was able to pay that amount so I shouldn' t need arrangements.", "start": 413, "end": 495}, {"text": "It was from their internal collections department.", "start": 566, "end": 616}], "value": [{"text": "I was so dumbfounded by the collection practices of American Express.", "start": 496, "end": 565}]}, "relations": {"reason": [{"head": {"text": "and American Express would not make arrangements with me", "start": 356, "end": 412}, "tail": {"text": "because they said I was able to pay that amount so I shouldn' t need arrangements.startendheadtextI was so dumbfounded by the collection practices of American Express.startendtailtextI had a debt collector tell me they told me that if I' d make a payment right then they' d make a payment plan.startendheadtextI was so dumbfounded by the collection practices of American Express.startendtailtextThis was an Amercian Express collector.startendheadtextI was so dumbfounded by the collection practices of American Express.startendtailtextOnce I made the payment they said they' re supervisor would have to approve it and they weren' t there. But that she would call back at 7pm MST to make the arrangement.startendheadtextI was so dumbfounded by the collection practices of American Express.startendtailtextNeedless to say no one called backstartendheadtextI was so dumbfounded by the collection practices of American Express.startendtailtextand American Express would not make arrangements with mestartendschema |
| inputThe CFPB should clarify whether \ means verify that you are a legitimate collection agency (not a scam) OR does it mean to prove the legitimacy of the account relative to the debtor' s objections. If is the former, some basic information relative to the account--contract, itemized statements, or any other identifying information that only the creditor would have access to would suffice. If CFPB wants \" verify \" to answer every single objection a debtor can cook up, a collector could never move forward without spending hundreds of hours normally reserved for litigation. As to a time frame on answering, I think the current system of stopping collection action until verification is provided is appropriate. Normally, sending the information to the debtor is not the hard part. Getting the info from the creditor and then circling back around to this particular account is what takes the time. I don' t think disputes should be limited to the first 30 days, but should be prohibited once suit has been filed. The Court rules and discovery process provide the debtor all the access to this information they could ever need or want and the provide this access under pretty strict penalties from the Court if the creditor/plaintiff does not provide the info requested.outputentitiespolicytextThe CFPB should clarify whether \ means verify that you are a legitimate collection agency (not a scam) OR does it mean to prove the legitimacy of the account relative to the debtor' s objections.", "start": 0, "end": 205}, {"text": "I don' t think disputes should be limited to the first 30 days, but should be prohibited once suit has been filed.startendvaluetextIf is the former, some basic information relative to the account--contract, itemized statements, or any other identifying information that only the creditor would have access to would suffice.startendtextIf CFPB wants \ to answer every single objection a debtor can cook up, a collector could never move forward without spending hundreds of hours normally reserved for litigation.startendtextAs to a time frame on answering, I think the current system of stopping collection action until verification is provided is appropriate.startendtextNormally, sending the information to the debtor is not the hard part.startendtextGetting the info from the creditor and then circling back around to this particular account is what takes the time.startendtextThe Court rules and discovery process provide the debtor all the access to this information they could ever need or wantstartendtextand the provide this access under pretty strict penalties from the Court if the creditor/plaintiff does not provide the info requested.startendrelationsschema |
| inputI have a hard time believing that a debt collection company \ when debt collectors seem to blatantly disregard a dispute that has the appearance of being \ Consumer advocates are trying to educate consumers, debtors, and alleged debtors with information on how to handle debt collectors or how to handle their particular situation. We are try to give them relevant links to FDCPA, FCRA, HIPPA, and various form letters that can help them communicate with debt collectors. There is nothing wrong with form letters. But there is everything wrong with debt collectors disregaring certain letters just because they don' t like that it came from a consumer advocate source. Debt collectors operating legally and with nothing to hide should never treat form letters as something to throw in the trash. You seem to be saying that debt collectors will only want to communicate with consumers who are misinformed and don' t know what their rights are, rather than communicate with a consumer who knows the laws and the appropriate ways to address a letter of dispute.outputentitiesvaluetextI have a hard time believing that a debt collection company \startendtextwhen debt collectors seem to blatantly disregard a dispute that has the appearance of being \startendtextConsumer advocates are trying to educate consumers, debtors, and alleged debtors with information on how to handle debt collectors or how to handle their particular situation.startendtextWe are try to give them relevant links to FDCPA, FCRA, HIPPA, and various form letters that can help them communicate with debt collectors.startendtextThere is nothing wrong with form letters.startendtextBut there is everything wrong with debt collectors disregaring certain letters just because they don' t like that it came from a consumer advocate source.", "start": 586, "end": 740}, {"text": "You seem to be saying that debt collectors will only want to communicate with consumers who are misinformed and don' t know what their rights are, rather than communicate with a consumer who knows the laws and the appropriate ways to address a letter of dispute.startendpolicytextDebt collectors operating legally and with nothing to hide should never treat form letters as something to throw in the trash.startendrelationsreasonheadtextDebt collectors operating legally and with nothing to hide should never treat form letters as something to throw in the trash.startendtailtextBut there is everything wrong with debt collectors disregaring certain letters just because they don' t like that it came from a consumer advocate source.", "start": 586, "end": 740}}]}}, "schema": []} |
| {"input": "A collector contacting a consumer via email, voice mail, or text message should identify themselves and say what they are calling about (e. g. overdue ABC account) without details of amount, account #, etc. So what if a third party might possibly conclude this person has debt? Without details they still don' t know anything. I personally never return any calls about \: if you don' t tell me who you are or what you are calling about, I consider it spam. If you call in good faith to clear up an outstanding balance for ABC company, then you should say so. It' s the ones that are trying to scam consumers that give as little detail as possible in hope that someone panics and fills in the blanks for them.outputentitiespolicytextA collector contacting a consumer via email, voice mail, or text message should identify themselves and say what they are calling about (e. g. overdue ABC account) without details of amount, account #, etc.startendtextIf you call in good faith to clear up an outstanding balance for ABC company, then you should say so.startendvaluetextSo what if a third party might possibly conclude this person has debt?startendtextWithout details they still don' t know anything.", "start": 278, "end": 326}, {"text": "if you don' t tell me who you are or what you are calling about, I consider it spam.startendtextIt' s the ones that are trying to scam consumers that give as little detail as possible in hope that someone panics and fills in the blanks for them.", "start": 590, "end": 739}], "testimony": [{"text": "I personally never return any calls about \" an important business matter \":", "start": 327, "end": 402}]}, "relations": {"reason": [{"head": {"text": "A collector contacting a consumer via email, voice mail, or text message should identify themselves and say what they are calling about (e. g. overdue ABC account) without details of amount, account #, etc.", "start": 0, "end": 206}, "tail": {"text": "So what if a third party might possibly conclude this person has debt?", "start": 207, "end": 277}}, {"head": {"text": "A collector contacting a consumer via email, voice mail, or text message should identify themselves and say what they are calling about (e. g. overdue ABC account) without details of amount, account #, etc.", "start": 0, "end": 206}, "tail": {"text": "Without details they still don' t know anything.startendheadtextI personally never return any calls about \:startendtailtextif you don' t tell me who you are or what you are calling about, I consider it spam.", "start": 403, "end": 487}}]}}, "schema": []} |
| {"input": "it should be a fdcpa violation to spoof a debt collector' s phone number on the caller ID. Either no number on the caller ID or a number linked back to the collection agency.outputentitiespolicytextit should be a fdcpa violation to spoof a debt collector' s phone number on the caller ID.", "start": 0, "end": 90}, {"text": "Either no number on the caller ID or a number linked back to the collection agency.", "start": 91, "end": 174}]}, "relations": {}}, "schema": []} |
| {"input": "paythefiddler, It' s not just innocent family members that debt collectors go after, it' s also perfect strangers. I have a common last name, no debts, and have been the target of many debt collectors. All of the deadbeats have had my common last name and first initial. Once a debt collector has me on their hit list, they don' t stop calling until I sent them a cease-communication letter. They want me to pay the debt to get them to stop.outputentitiesfacttextpaythefiddler, It' s not just innocent family members that debt collectors go after, it' s also perfect strangers.startendtestimonytextI have a common last name, no debts, and have been the target of many debt collectors.startendtextAll of the deadbeats have had my common last name and first initial.startendtextOnce a debt collector has me on their hit list, they don' t stop calling until I sent them a cease-communication letter.", "start": 271, "end": 391}], "value": [{"text": "They want me to pay the debt to get them to stop.", "start": 392, "end": 441}]}, "relations": {"evidence": [{"head": {"text": "paythefiddler, It' s not just innocent family members that debt collectors go after, it' s also perfect strangers.", "start": 0, "end": 114}, "tail": {"text": "I have a common last name, no debts, and have been the target of many debt collectors.", "start": 115, "end": 201}}, {"head": {"text": "paythefiddler, It' s not just innocent family members that debt collectors go after, it' s also perfect strangers.", "start": 0, "end": 114}, "tail": {"text": "All of the deadbeats have had my common last name and first initial.", "start": 202, "end": 270}}, {"head": {"text": "paythefiddler, It' s not just innocent family members that debt collectors go after, it' s also perfect strangers.", "start": 0, "end": 114}, "tail": {"text": "Once a debt collector has me on their hit list, they don' t stop calling until I sent them a cease-communication letter.startendheadtextpaythefiddler, It' s not just innocent family members that debt collectors go after, it' s also perfect strangers.startendtailtextThey want me to pay the debt to get them to stop.startendreasonheadtextOnce a debt collector has me on their hit list, they don' t stop calling until I sent them a cease-communication letter.", "start": 271, "end": 391}, "tail": {"text": "They want me to pay the debt to get them to stop.", "start": 392, "end": 441}}]}}, "schema": []} |
| {"input": "This is not an appropriate requirement because not all states have licensing or registration for debt collectors.", "output": {"entities": {"value": [{"text": "This is not an appropriate requirement", "start": 0, "end": 38}], "fact": [{"text": "because not all states have licensing or registration for debt collectors.", "start": 39, "end": 113}]}, "relations": {"reason": [{"head": {"text": "This is not an appropriate requirement", "start": 0, "end": 38}, "tail": {"text": "because not all states have licensing or registration for debt collectors.", "start": 39, "end": 113}}]}}, "schema": []} |
| {"input": "But they also can' t send you a signed paper for something you agreed to online, or over the phone. So few people actually put a pen to paper these days to sign a formal written agreement. So that' s an unfair requirement when it doesn' t always exist.outputentitiesfacttextBut they also can' t send you a signed paper for something you agreed to online, or over the phone.", "start": 0, "end": 99}], "value": [{"text": "So few people actually put a pen to paper these days to sign a formal written agreement.", "start": 100, "end": 188}, {"text": "So that' s an unfair requirement when it doesn' t always exist.", "start": 189, "end": 252}]}, "relations": {"reason": [{"head": {"text": "So few people actually put a pen to paper these days to sign a formal written agreement.", "start": 100, "end": 188}, "tail": {"text": "But they also can' t send you a signed paper for something you agreed to online, or over the phone.startendheadtextSo that' s an unfair requirement when it doesn' t always exist.startendtailtextSo few people actually put a pen to paper these days to sign a formal written agreement.startendschema |
| inputNew rules should allow consumers to resolve, discuss, or negotiate the matter strictly with the creditor. In other words, consumers should be told that they can refuse to speak to debt collectors about their account (s).outputentitiespolicytextNew rules should allow consumers to resolve, discuss, or negotiate the matter strictly with the creditor.startendtextIn other words, consumers should be told that they can refuse to speak to debt collectors about their account (s).startendrelationsschema |
| inputWhen creditor or servicing company doesn' t \" credit \" a payment after receiving it and then getter further proof but still puts the victim in arrears or foreclosure, there should be fines regardless of whether it is a \" mistake \" or \" criminal act. \" A grace period can be allowed but after that slap on the fines. and keep them coming every week they don' t correct their problem. Basically by not crediting payment they are stealing that payment. This should apply to any \ or unethical practices such as deliberately or \ changing around escrow, interest, principal, late fees, insurance and so forth to the profit of the collector. Heavy fines will take away the profit motive and such \ and unethical practices will greatly decrease.outputentitiespolicytextWhen creditor or servicing company doesn' t \" credit \" a payment after receiving it and then getter further proof but still puts the victim in arrears or foreclosure, there should be fines regardless of whether it is a \" mistake \" or \" criminal act. \"", "start": 0, "end": 251}, {"text": "but after that slap on the fines. and keep them coming every week they don' t correct their problem.startendtextThis should apply to any \ or unethical practices such as deliberately or \ changing around escrow, interest, principal, late fees, insurance and so forth to the profit of the collector.startendvaluetextA grace period can be allowedstartendtextBasically by not crediting payment they are stealing that payment.startendtextHeavy fines will take away the profit motive and such \ and unethical practices will greatly decrease.startendrelationsreasonheadtextWhen creditor or servicing company doesn' t \" credit \" a payment after receiving it and then getter further proof but still puts the victim in arrears or foreclosure, there should be fines regardless of whether it is a \" mistake \" or \" criminal act. \"", "start": 0, "end": 251}, "tail": {"text": "Basically by not crediting payment they are stealing that payment.", "start": 383, "end": 449}}, {"head": {"text": "When creditor or servicing company doesn' t \ a payment after receiving it and then getter further proof but still puts the victim in arrears or foreclosure, there should be fines regardless of whether it is a \ or \startendtailtextHeavy fines will take away the profit motive and such \ and unethical practices will greatly decrease.startendheadtextbut after that slap on the fines. and keep them coming every week they don' t correct their problem.", "start": 282, "end": 382}, "tail": {"text": "Basically by not crediting payment they are stealing that payment.", "start": 383, "end": 449}}, {"head": {"text": "This should apply to any \" mistakes \" or unethical practices such as deliberately or \" mistakenly \" changing around escrow, interest, principal, late fees, insurance and so forth to the profit of the collector.", "start": 450, "end": 660}, "tail": {"text": "Heavy fines will take away the profit motive and such \" mistakes \" and unethical practices will greatly decrease.", "start": 661, "end": 774}}]}}, "schema": []} |
| {"input": "I also wanted to add that because debt collectors know they can hire robo service companies to false service, they aren' t going to negotiate in good faith. Just as appalling for me was the judge agreeing that the one service I challenged was a false service, but allowing the case to go forward anyways. Sure, people can lie and say they were not served when they were served, but the very day I was in court contesting the service, a person who spoke before me made the comment that they found their service document on their door step when they got home. This means the servicers are lying in court documents, and nobody seems to care. I still want redress on these two cases, and I want to be able to file an errors and omissions claim with both debt collectors insurance company for lying on court documents. And if it is not a law, then isn' t it time that debt collection companies carry errors and omissions insurance?", "output": {"entities": {"fact": [{"text": "I also wanted to add that because debt collectors know they can hire robo service companies to false service,", "start": 0, "end": 109}, {"text": "This means the servicers are lying in court documents,", "start": 558, "end": 612}], "value": [{"text": "they aren' t going to negotiate in good faith.startendtextJust as appalling for me was the judge agreeing that the one service I challenged was a false service, but allowing the case to go forward anyways.startendtextSure, people can lie and say they were not served when they were served,startendtextand nobody seems to care.startendtextI still want redress on these two cases,startendtextand I want to be able to file an errors and omissions claim with both debt collectors insurance company for lying on court documents.startendtextAnd if it is not a law, then isn' t it time that debt collection companies carry errors and omissions insurance?", "start": 814, "end": 926}], "testimony": [{"text": "but the very day I was in court contesting the service, a person who spoke before me made the comment that they found their service document on their door step when they got home.", "start": 378, "end": 557}]}, "relations": {"evidence": [{"head": {"text": "This means the servicers are lying in court documents,", "start": 558, "end": 612}, "tail": {"text": "but the very day I was in court contesting the service, a person who spoke before me made the comment that they found their service document on their door step when they got home.", "start": 378, "end": 557}}], "reason": [{"head": {"text": "they aren' t going to negotiate in good faith.startendtailtextI also wanted to add that because debt collectors know they can hire robo service companies to false service,startendschema |
| inputThis is an awesome suggestion! Your suggestion \ is spot on! And I can' t believe that no one else has ever suggested this before. 3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive. This morning I received an illegal phone call from a collector at 6: 17 AM with a spoofed phone number for a person that I have never known and I have told these collectors this several times already. They have the wrong number. And I am tired of this. The CFPB should absolutely implement a rule that forces unsuccessful contact to 3 months.", "output": {"entities": {"value": [{"text": "This is an awesome suggestion!", "start": 0, "end": 30}, {"text": "Your suggestion \" I don' t think they should be allowed to call ANY number for more than 3 months without successful contact with the debtor \, : 31, : 185}, {: , : 186, : 255}, {: , : 256, : 392}, {: , : 622, : 645}], : [{: , : 393, : 532}, {: , : 533, : 593}, {: , : 594, : 621}], : [{: , : 646, : 735}]}, : {: [{: {: I don' t think they should be allowed to call ANY number for more than 3 months without successful contact with the debtor \" is spot on!", "start": 31, "end": 185}, "tail": {"text": "3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive.", "start": 256, "end": 392}}, {"head": {"text": "And I can' t believe that no one else has ever suggested this before.startendtailtextYour suggestion \ is spot on!startendheadtext3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive.startendtailtextThis morning I received an illegal phone call from a collector at 6: 17 AM with a spoofed phone number for a person that I have never knownstartendheadtext3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive.startendtailtextand I have told these collectors this several times already.startendheadtext3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive.startendtailtextThey have the wrong number.startendheadtext3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive.startendtailtextAnd I am tired of this.startendheadtextThe CFPB should absolutely implement a rule that forces unsuccessful contact to 3 months.startendtailtext3 months (or whatever an appropriate time limit is) would reduce the constant harassment that I and many other innocent parties receive.startendschema |
| inputThere' s nothing in place for any of them, unless (often several years down the road) a judge decides to throw them out. This is yet another consequence of the litigious society in which we currently live. I don' t have the answers, but it seems that someone in government or law should be able to do something about unscrupulous attorneys who create a claim out of thin air just to make a buck.outputentitiesvaluetextThere' s nothing in place for any of them, unless (often several years down the road) a judge decides to throw them out.", "start": 0, "end": 120}, {"text": "This is yet another consequence of the litigious society in which we currently live.", "start": 121, "end": 205}, {"text": "I don' t have the answers,startendtextbut it seems that someone in government or law should be able to do something about unscrupulous attorneys who create a claim out of thin air just to make a buck.startendrelationsschema |
| inputNot every debt collection agency is like that. The one I work for certainly isn' t.", "output": {"entities": {"value": [{"text": "Not every debt collection agency is like that.", "start": 0, "end": 46}, {"text": "The one I work for certainly isn' t.startendrelationsschema |
| inputWhen anyone makes a demand for payment from another party, it is incumbent on that person to produce the evidence to support such demand and not up to the second party to produce evidence that he is not liable for such alleged debt. Otherwise, anyone can create trouble and misery for any person out of mischief, ill-intent or out to make some fast money for himself or even to defame the second party, as proper businesses are adverse to bad publicity. If the first party claims to represent a third party to collect debt for that third party, then the first party (collector) must produce evidence that he is authorized by the third party to collect a debt for the third party alone because anyone can claim to represent any party in an attempt to defraud the innocent second party.outputentitiesvaluetextWhen anyone makes a demand for payment from another party, it is incumbent on that person to produce the evidence to support such demand and not up to the second party to produce evidence that he is not liable for such alleged debt.startendtextOtherwise, anyone can create trouble and misery for any person out of mischief, ill-intent or out to make some fast money for himself or even to defame the second party,startendtextas proper businesses are adverse to bad publicity.startendtextbecause anyone can claim to represent any party in an attempt to defraud the innocent second party.startendpolicytextIf the first party claims to represent a third party to collect debt for that third party, then the first party (collector) must produce evidence that he is authorized by the third party to collect a debt for the third party alonestartendrelationsreasonheadtextWhen anyone makes a demand for payment from another party, it is incumbent on that person to produce the evidence to support such demand and not up to the second party to produce evidence that he is not liable for such alleged debt.startendtailtextOtherwise, anyone can create trouble and misery for any person out of mischief, ill-intent or out to make some fast money for himself or even to defame the second party,startendheadtextIf the first party claims to represent a third party to collect debt for that third party, then the first party (collector) must produce evidence that he is authorized by the third party to collect a debt for the third party alonestartendtailtextbecause anyone can claim to represent any party in an attempt to defraud the innocent second party.startendschema |
| inputIt is the responsibility of the creditor and debt collectors to report accurate information. Reporting accurate information has nothing to do with \ If a debt collector reported accurately that the debt in question has not been paid, but now is, it is the responsibility of that debt collector to report the newly accurate information. As I too have noticed, some debt collectors will not accurately report updated information to the credit bureaus once they are paid.outputentitiesvaluetextIt is the responsibility of the creditor and debt collectors to report accurate information.startendtextReporting accurate information has nothing to do with \startendtextIf a debt collector reported accurately that the debt in question has not been paid, but now is, it is the responsibility of that debt collector to report the newly accurate information.startendfacttextAs I too have noticed, some debt collectors will not accurately report updated information to the credit bureaus once they are paid.startendrelationsschema |
| inputAs medical records become more digitized, I see no significant cost increase to debt collectors in passing on substantive info to debtors, although debt collectors are bound to say otherwise. My concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial. When I worked with a non-profit in Alabama, I took part in an informational meeting on a program of federal assistance (Farmers Home Admin, IIRC) in securing access to home loans on affordable terms for low-income workers. One woman who was at the meeting spoke of having been denied access to the program because of a single blot on her credit record, namely an unpaid medical bill. She said she had not paid it because she could not determine what the charges were for, was unaware of any medical treatment she had not paid for, and could not get a straight answer from the debt collector. She decided the debt might be illegitimate and refused to pay. As a result she was excluded from access to a home loan. This is an example of a consumer on a limited income who was consistently disciplined about her finances and who should have had access to credit. I find it significant that it was a medical bill that tripped her up, placing her in a category in which even the FHA would not work with her. From this point, credit was only available to her at high cost if at all. I am confident that the rule I am suggesting would have led her to either pay the debt or dispute it formally on the basis of valid information. What it would not have done is to leave her to conclude that she was being scammed and refuse to pay at all. This anecdote (and I admit I only have anecdotal evidence) does suggest that legitimate credit agencies also stand to benefit by disclosing information that will persuade skeptical consumers that they do actually owe the debt.outputentitiesfacttextAs medical records become more digitized,startendtextMy concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial.startendvaluetextI see no significant cost increase to debt collectors in passing on substantive info to debtors,startendtextalthough debt collectors are bound to say otherwise.startendtextThis is an example of a consumer on a limited income who was consistently disciplined about her finances and who should have had access to credit.startendtextI find it significant that it was a medical bill that tripped her up, placing her in a category in which even the FHA would not work with her.startendtextFrom this point, credit was only available to her at high cost if at all.startendtextI am confident that the rule I am suggesting would have led her to either pay the debt or dispute it formally on the basis of valid information.startendtextWhat it would not have done is to leave her to conclude that she was being scammed and refuse to pay at all.startendtextThis anecdote (and I admit I only have anecdotal evidence) does suggest that legitimate credit agencies also stand to benefit by disclosing information that will persuade skeptical consumers that they do actually owe the debt.startendtestimonytextWhen I worked with a non-profit in Alabama, I took part in an informational meeting on a program of federal assistance (Farmers Home Admin, IIRC) in securing access to home loans on affordable terms for low-income workers.startendtextOne woman who was at the meeting spoke of having been denied access to the program because of a single blot on her credit record, namely an unpaid medical bill.startendtextShe said she had not paid it because she could not determine what the charges were for, was unaware of any medical treatment she had not paid for, and could not get a straight answer from the debt collector.startendtextShe decided the debt might be illegitimate and refused to pay.startendtextAs a result she was excluded from access to a home loan.startendrelationsevidenceheadtextMy concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial.startendtailtextWhen I worked with a non-profit in Alabama, I took part in an informational meeting on a program of federal assistance (Farmers Home Admin, IIRC) in securing access to home loans on affordable terms for low-income workers.startendheadtextMy concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial.startendtailtextOne woman who was at the meeting spoke of having been denied access to the program because of a single blot on her credit record, namely an unpaid medical bill.startendheadtextMy concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial.startendtailtextShe said she had not paid it because she could not determine what the charges were for, was unaware of any medical treatment she had not paid for, and could not get a straight answer from the debt collector.startendheadtextMy concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial.startendtailtextShe decided the debt might be illegitimate and refused to pay.startendheadtextMy concern is that the cost to consumers of inadequate information is routinely underestimated or dismissed as trivial.startendtailtextAs a result she was excluded from access to a home loan.startendreasonheadtextI see no significant cost increase to debt collectors in passing on substantive info to debtors,startendtailtextAs medical records become more digitized,startendheadtextAs a result she was excluded from access to a home loan.startendtailtextShe decided the debt might be illegitimate and refused to pay.startendschema |
| inputMy only concern about this excellent comment is that consumers not be subjected to a flood of confusing or potentially intimidating information. The most useful information is the what, when, who, and why of the original transaction that incurred the unpaid debt. The original creditor should be identified by a name known to the consumer, e. g. DR. JOHN SMITH, RHEUMATOLOGIST not DYNAMIC HEALTHCARE OF GREATER ANYTOWN d/b/a ASSOCIATED SPECIALISTS P. C. You get the idea.outputentitiesvaluetextMy only concern about this excellent comment is that consumers not be subjected to a flood of confusing or potentially intimidating information.startendtextThe most useful information is the what, when, who, and why of the original transaction that incurred the unpaid debt.startendtextYou get the idea.startendpolicytextThe original creditor should be identified by a name known to the consumer, e. g. DR. JOHN SMITH, RHEUMATOLOGIST not DYNAMIC HEALTHCARE OF GREATER ANYTOWN d/b/a ASSOCIATED SPECIALISTS P. C.startendrelationsschema |
| inputI have not encountered a situation in which the bill collector is hired by a business for many decades now. Usually the debt collector has bought the debt, usually for pennies on the dollar, from the original creditor. I also disagree that the law provides a way for consumers to steal from businesses. If anything, I would say we have become in danger of reverting to the tyranny of Dickens' time, where a person and that person' s family, including children, would be imprisoned for debt. Surely we can agree on reasonableness when it comes to how we treat each other, whether debtor or creditor?outputentitiestestimonytextI have not encountered a situation in which the bill collector is hired by a business for many decades now.startendtextUsually the debt collector has bought the debt, usually for pennies on the dollar, from the original creditor.startendvaluetextI also disagree that the law provides a way for consumers to steal from businesses.startendtextIf anything, I would say we have become in danger of reverting to the tyranny of Dickens' time, where a person and that person' s family, including children, would be imprisoned for debt.startendtextSurely we can agree on reasonableness when it comes to how we treat each other, whether debtor or creditor?startendrelationsschema |
| inputYou are absolutely right. But, you' d be surprised at how many times this does happen and how many times the Credit Bureaus Do change correct information to false information supplied by the' furnisher/debt collector'. Because I had to send in numerous Certified Letter to the Credit Bureaus, (all of them), in order to stay on top of all the false information and tricks that they did supply. And I have written proof, that this does and is still happening to other consumers, right now.", "output": {"entities": {"value": [{"text": "You are absolutely right.", "start": 0, "end": 25}, {"text": "But, you' d be surprised at how many times this does happen and how many times the Credit Bureaus Do change correct information to false information supplied by the' furnisher/debt collector'.startendtestimonytextBecause I had to send in numerous Certified Letter to the Credit Bureaus, (all of them), in order to stay on top of all the false information and tricks that they did supply.startendtextAnd I have written proof, that this does and is still happening to other consumers, right now.startendrelationsreasonheadtextBut, you' d be surprised at how many times this does happen and how many times the Credit Bureaus Do change correct information to false information supplied by the' furnisher/debt collector'.", "start": 26, "end": 218}, "tail": {"text": "Because I had to send in numerous Certified Letter to the Credit Bureaus, (all of them), in order to stay on top of all the false information and tricks that they did supply.", "start": 219, "end": 393}}]}}, "schema": []} |
| {"input": "From 1999-2004 I worked on a number of online identity authentication initiatives. At that time the only available solution was to ask \" out of wallet \" questions based on the consumer' s credit file. For example, the credit report might show that the consumer lived on Elm Street 20 years ago. Since an old address would not be easy to find (e. g. in a lost wallet) the idea is that if the consumer knows that they lived on Elm Street 20 years ago, there is greater confidence that this is indeed the person that they claim to be. The problem with this approach is that the information in credit reports has a reliability problem. Reports indicating low error rates are misleading: they only look to \ and they are often funded by credit industry groups. If it is commonly accepted that credit reports are filled with errors-then it is incumbent upon collectors to validate and verify the debt prior to pulling a credit report or contacting the consumer.outputentitiestestimonytextFrom 1999-2004 I worked on a number of online identity authentication initiatives.startendvaluetextAt that time the only available solution was to ask \ questions based on the consumer' s credit file.", "start": 83, "end": 200}, {"text": "Since an old address would not be easy to find (e. g. in a lost wallet)", "start": 295, "end": 366}, {"text": "the idea is that if the consumer knows that they lived on Elm Street 20 years ago, there is greater confidence that this is indeed the person that they claim to be.", "start": 367, "end": 531}, {"text": "The problem with this approach is that the information in credit reports has a reliability problem.", "start": 532, "end": 631}, {"text": "Reports indicating low error rates are misleading:", "start": 632, "end": 682}, {"text": "they only look to \" material errors \"", "start": 683, "end": 720}], "fact": [{"text": "For example, the credit report might show that the consumer lived on Elm Street 20 years ago.", "start": 201, "end": 294}, {"text": "and they are often funded by credit industry groups.", "start": 721, "end": 773}], "policy": [{"text": "If it is commonly accepted that credit reports are filled with errors-then it is incumbent upon collectors to validate and verify the debt prior to pulling a credit report or contacting the consumer.", "start": 774, "end": 973}]}, "relations": {"reason": [{"head": {"text": "the idea is that if the consumer knows that they lived on Elm Street 20 years ago, there is greater confidence that this is indeed the person that they claim to be.", "start": 367, "end": 531}, "tail": {"text": "Since an old address would not be easy to find (e. g. in a lost wallet)", "start": 295, "end": 366}}, {"head": {"text": "Reports indicating low error rates are misleading:", "start": 632, "end": 682}, "tail": {"text": "they only look to \" material errors \"", "start": 683, "end": 720}}]}}, "schema": []} |
| {"input": "I have not heard of anyone in the US being imprisoned for their debt. I have been in the business for 20 years and rest assured, while there are' debt buyers', the majority of agencies are contingency based collections.", "output": {"entities": {"testimony": [{"text": "I have not heard of anyone in the US being imprisoned for their debt.", "start": 0, "end": 69}, {"text": "I have been in the business for 20 years", "start": 70, "end": 110}], "fact": [{"text": "and rest assured, while there are' debt buyers', the majority of agencies are contingency based collections.", "start": 111, "end": 219}]}, "relations": {}}, "schema": []} |
| {"input": "In NYC courts, a lawyer representing a particular party (doesn' t have to be collection related) will have a full day of cases lined up which leads me to believe at least some scheduling preference is given.outputentitiesfacttextIn NYC courts, a lawyer representing a particular party (doesn' t have to be collection related) will have a full day of cases lined up", "start": 0, "end": 135}], "value": [{"text": "which leads me to believe at least some scheduling preference is given.", "start": 136, "end": 207}]}, "relations": {"reason": [{"head": {"text": "which leads me to believe at least some scheduling preference is given.", "start": 136, "end": 207}, "tail": {"text": "In NYC courts, a lawyer representing a particular party (doesn' t have to be collection related) will have a full day of cases lined upstartendschema |
| inputI am in the same situation as From_ill_annoy. I have been denied credit and loans as a result of these adverse actions which have impacted both my personal and professional life.outputentitiesvaluetextI am in the same situation as From_ill_annoy.startendtestimonytextI have been denied credit and loans as a result of these adverse actions which have impacted both my personal and professional life.startendrelationsschema |
| inputTexting should follow all rules regarding phone calls. Email should follow rules set in place regarding written, mailed, letters.outputentitiespolicytextTexting should follow all rules regarding phone calls.startendtextEmail should follow rules set in place regarding written, mailed, letters.startendrelationsschema |
| inputThere are currently no \ in the enforcement mechanism as well. Right now filing complaints with the regulators does absolutely nothing except get you into some database but nothing is every done about violations. Requiring accurate identification of the collector with a working call-back number should be the bare minimum. At least that way the consumer has a fighting chance of at least talking to them and trying to get erroneous calls stopped. Right now government enforcement is non-existent and completely worthless.outputentitiesvaluetextThere are currently no \ in the enforcement mechanism as well.startendtextAt least that way the consumer has a fighting chance of at least talking to them and trying to get erroneous calls stopped.startendtextRight now government enforcement is non-existent and completely worthless.startendfacttextRight now filing complaints with the regulators does absolutely nothing except get you into some databasestartendtestimonytextbut nothing is every done about violations.startendpolicytextRequiring accurate identification of the collector with a working call-back number should be the bare minimum.startendrelationsreasonheadtextThere are currently no \ in the enforcement mechanism as well.startendtailtextRight now filing complaints with the regulators does absolutely nothing except get you into some databasestartendheadtextRequiring accurate identification of the collector with a working call-back number should be the bare minimum.startendtailtextRight now filing complaints with the regulators does absolutely nothing except get you into some databasestartendheadtextRequiring accurate identification of the collector with a working call-back number should be the bare minimum.startendtailtextbut nothing is every done about violations.startendheadtextRequiring accurate identification of the collector with a working call-back number should be the bare minimum.startendtailtextAt least that way the consumer has a fighting chance of at least talking to them and trying to get erroneous calls stopped.startendheadtextRight now government enforcement is non-existent and completely worthless.startendtailtextRight now filing complaints with the regulators does absolutely nothing except get you into some databasestartendheadtextRight now government enforcement is non-existent and completely worthless.startendtailtextbut nothing is every done about violations.startendschema |
| inputThere are laws on the books. There is no enforcement by the regulators.outputentitiesfacttextThere are laws on the books.startendvaluetextThere is no enforcement by the regulators.startendrelationsschema |
| inputAfter a court verdict in favor of a debt collector, Banks assess a significant fee against a customer when a customer' s account is levied by the debt collector, even if there are scant funds in the account on the day the levy is imposed. Explain how assessing a 125 dollar bank levy fee when an account has 50 dollars in it helps resolve the ongoing debt resolution. The Debt collector gets nothing and the customer is hit with a 125 dollar bank levy fee. Why isn' t there a 100 dollar float that is impervious to a bank levy fee and protected from the debt collector' s clutches as well? Once again, we get back to the same underpinning, Judges who simply decide on whether a default has occurred without caring why the default occurred are basically rubber stamping minions of a system corrupted by a lack of fairness. People can lose income based on circumstances beyond their control, yet the system doesn' t even blanche an eye. A debtor who purposely runs up debt quickly and defaults is treated identically to someone who had a perfect payment history but had to stop working to become a CareGiver for a family member. A debtor who purposely runs up debt quickly and hires a lawyer can strategically default and possibly get a better resolution than an honest person with an impeccable payment history who has lost income because of an event beyond their control.outputentitiesfacttextAfter a court verdict in favor of a debt collector, Banks assess a significant fee against a customer when a customer' s account is levied by the debt collector, even if there are scant funds in the account on the day the levy is imposed.", "start": 0, "end": 238}, {"text": "The Debt collector gets nothing and the customer is hit with a 125 dollar bank levy fee.", "start": 368, "end": 456}, {"text": "A debtor who purposely runs up debt quickly and hires a lawyer can strategically default and possibly get a better resolution than an honest person with an impeccable payment history who has lost income because of an event beyond their control.", "start": 1127, "end": 1371}], "value": [{"text": "Explain how assessing a 125 dollar bank levy fee when an account has 50 dollars in it helps resolve the ongoing debt resolution.", "start": 239, "end": 367}, {"text": "Once again, we get back to the same underpinning, Judges who simply decide on whether a default has occurred without caring why the default occurred are basically rubber stamping minions of a system corrupted by a lack of fairness.", "start": 590, "end": 821}, {"text": "People can lose income based on circumstances beyond their control, yet the system doesn' t even blanche an eye.startendtextA debtor who purposely runs up debt quickly and defaults is treated identically to someone who had a perfect payment history but had to stop working to become a CareGiver for a family member.startendpolicytextWhy isn' t there a 100 dollar float that is impervious to a bank levy fee and protected from the debt collector' s clutches as well?startendrelationsschema |
| inputThere should be clear guidelines on what constitutes \. In my own experience, the CRA' s consistently refused to delete trade lines not belonging to me even when I had provided documentation from the original creditor validating the debt was not mine. They falsely claimed they received additional information from the original creditor that superseded the documentation I had. When I circled back to the original creditor, I had learned the debt was sold to a junk debt buyer which leads to a separate issue. If the junk debt buyer is reporting to a credit reporting agency, why are they misrepresenting themselves as the original creditor. Junk Debt buying should be prohibited all together. The original creditors should know their vendors just as the law mandates they know their customers. If the vendor is violating the law on the original creditor' s behalf the original creditor should hold responsibility to some extent.outputentitiespolicytextThere should be clear guidelines on what constitutes \.startendtextJunk Debt buying should be prohibited all together.startendtextThe original creditors should know their vendors just as the law mandates they know their customers.startendtextIf the vendor is violating the law on the original creditor' s behalf the original creditor should hold responsibility to some extent.", "start": 822, "end": 956}], "testimony": [{"text": "In my own experience, the CRA' s consistently refused to delete trade lines not belonging to me even when I had provided documentation from the original creditor validating the debt was not mine.startendtextThey falsely claimed they received additional information from the original creditor that superseded the documentation I had.startendtextWhen I circled back to the original creditor, I had learned the debt was sold to a junk debt buyer which leads to a separate issue.startendvaluetextIf the junk debt buyer is reporting to a credit reporting agency, why are they misrepresenting themselves as the original creditor.startendrelationsreasonheadtextJunk Debt buying should be prohibited all together.startendtailtextIf the junk debt buyer is reporting to a credit reporting agency, why are they misrepresenting themselves as the original creditor.startendschema |
| inputI am all for consumers right protection but when you see CFPB, FDCPA and other law they are all to make it difficult for collection agencies to do their honest job. But there is never a talk about consumers responsibilities. I agree that some collection agencies are aggressive. but I think a good honest collection agencies also need their rights to do honest work.outputentitiesvaluetextI am all for consumers right protectionstartendtextbut when you see CFPB, FDCPA and other law they are all to make it difficult for collection agencies to do their honest job.startendtextI agree that some collection agencies are aggressive.startendtextbut I think a good honest collection agencies also need their rights to do honest work.startendfacttextBut there is never a talk about consumers responsibilities.startendrelationsschema |
| inputI received several Robo calls leaving messages to have me served at my job on a debt I do not owe. They have Threatened me via voice mail. They also use Voip numbers we have reversed them different each time. I have reported them several times but they continue to call.outputentitiestestimonytextI received several Robo calls leaving messages to have me served at my job on a debt I do not owe.startendtextThey have Threatened me via voice mail.startendtextThey also use Voip numbers we have reversed them different each time.startendtextI have reported them several timesstartendtextbut they continue to call.startendrelationsschema |
| inputExplaining why the repeat phone call abuse happens does not justify it. Apparently there are autodialers that call several consumers at the same time, than hang up on all but the first consumer that answers the phone. The result is a person can get several collection calls and hang ups through out the day, that is just not right.outputentitiesvaluetextExplaining why the repeat phone call abuse happens does not justify it.startendtextthat is just not right.startendfacttextApparently there are autodialers that call several consumers at the same time, than hang up on all but the first consumer that answers the phone.startendtextThe result is a person can get several collection calls and hang ups through out the day,startendrelationsreasonheadtextThe result is a person can get several collection calls and hang ups through out the day,startendtailtextApparently there are autodialers that call several consumers at the same time, than hang up on all but the first consumer that answers the phone.startendschema |
| inputOne communication from the debt collector per week is plenty. On top of that, The debt collector' s phone rep should have power over the autodialer in the following way. A consumer' s number is on the screen, the report log on that number is on the screen, the most current info at the top of the screen. If the debt collector phone rep sees that the very last communication does is already updated (such as waiting on a job interview with a date that is still in the future), then the debt collector phone rep should have the power to prevent the auto dialer from making the call. Not only does this prevent unnecessary hounding of the customer, it also helps prevent abusive reactions from consumers towards the debt collector phone rep because the consumer recalls their last communication and that what was discussed could not have reasonably happened yet.outputentitiesvaluetextOne communication from the debt collector per week is plenty.startendtextNot only does this prevent unnecessary hounding of the customer, it also helps prevent abusive reactions from consumers towards the debt collector phone repstartendtextbecause the consumer recalls their last communication and that what was discussed could not have reasonably happened yet.startendpolicytextOn top of that, The debt collector' s phone rep should have power over the autodialer in the following way.", "start": 62, "end": 169}, {"text": "A consumer' s number is on the screen, the report log on that number is on the screen, the most current info at the top of the screen.startendtextIf the debt collector phone rep sees that the very last communication does is already updated (such as waiting on a job interview with a date that is still in the future), then the debt collector phone rep should have the power to prevent the auto dialer from making the call.startendrelationsreasonheadtextNot only does this prevent unnecessary hounding of the customer, it also helps prevent abusive reactions from consumers towards the debt collector phone repstartendtailtextbecause the consumer recalls their last communication and that what was discussed could not have reasonably happened yet.startendschema |
| inputCollection agencies are not an all loose for the consumer nor they should be. Some collections agencies have gone beyond their job scope and their role in the process of repayment.outputentitiespolicytextCollection agencies are not an all loose for the consumer nor they should be.startendvaluetextSome collections agencies have gone beyond their job scope and their role in the process of repayment.startendrelationsschema |
| inputI have dealt with the issue of disputes and when you file a dispute and it as been closed it is placed in the comment section that you have filed a dispute. By doing this, this has kept me from refinancing my home just because the word dispute was there. The mortgage company said I had to have this removed, so I filed another form to ask for this to be removed it never was. I believe that once the dispute has been closed there should be no indication that there was a dispute filed. You again get penalized for trying to correct mistakes on your report. Another issue that has come up regarding when an account has been charged off or in my case a repossession of a vehicle I had turn over due to not being released by my doctor to go back to work and my disability ran out, I had no other choice but to hand the vehicle over. then 6 years later I received a 1099 for over $6000. 00. Plus the 16% interest they charged me for 4 years. We keep paying these high interest rates but yet we still have to pay for our credit scores and only receive one free report a year, If we are trying to stay on top of credit fraud and inaccurate information that is not of our doing but from reporting agencies, these agencies should be putting more funds in for these things.outputentitiestestimonytextI have dealt with the issue of disputesstartendtextBy doing this, this has kept me from refinancing my homestartendtextThe mortgage company said I had to have this removed,startendtextso I filed another form to ask for this to be removed it never was.startendtextAnother issue that has come up regarding when an account has been charged off or in my case a repossession of a vehicle I had turn over due to not being released by my doctor to go back to work and my disability ran out, I had no other choice but to hand the vehicle over.startendtextthen 6 years later I received a 1099 for over $6000. 00.startendtextPlus the 16% interest they charged me for 4 years.startendtextWe keep paying these high interest ratesstartendtextbut yet we still have to pay for our credit scores and only receive one free report a year,startendfacttextand when you file a dispute and it as been closed it is placed in the comment section that you have filed a dispute.startendtextjust because the word dispute was there.startendtextYou again get penalized for trying to correct mistakes on your report.startendpolicytextI believe that once the dispute has been closed there should be no indication that there was a dispute filed.startendtextIf we are trying to stay on top of credit fraud and inaccurate information that is not of our doing but from reporting agencies, these agencies should be putting more funds in for these things.startendrelationsreasonheadtextBy doing this, this has kept me from refinancing my homestartendtailtextjust because the word dispute was there.startendheadtextso I filed another form to ask for this to be removed it never was.startendtailtextThe mortgage company said I had to have this removed,startendheadtextI believe that once the dispute has been closed there should be no indication that there was a dispute filed.startendtailtextYou again get penalized for trying to correct mistakes on your report.startendschema |
| inputI think the cost of education needs to be reduced to a more reasonable amount or repayment plans need to be income based. As far as consumer protection, legal aid needs to be made available, affordable and effective, and consumers need to take time to really know their rights and stop complaining about harassment because that' s a completely different cause of action than restitution.", "output": {"entities": {"policy": [{"text": "I think the cost of education needs to be reduced to a more reasonable amount or repayment plans need to be income based.", "start": 0, "end": 121}, {"text": "As far as consumer protection, legal aid needs to be made available, affordable and effective,", "start": 122, "end": 216}, {"text": "and consumers need to take time to really know their rights and stop complaining about harassment", "start": 217, "end": 314}], "value": [{"text": "because that' s a completely different cause of action than restitution.startendrelationsreasonheadtextand consumers need to take time to really know their rights and stop complaining about harassmentstartendtailtextbecause that' s a completely different cause of action than restitution.", "start": 315, "end": 387}}]}}, "schema": []} |
| {"input": "I would like to see some strict regulation on the number of times a creditor can call in a given period of time. Capital One Bank' s dialers will call every single hour if a payment is overdue... sometimes these things are simply overlooked. If I know I am paying bills on a given day, I just use my caller ID and ignore them. I do think that these calls need to be at least limited. It comes down to simple harrasment.outputentitiesvaluetextI would like to see some strict regulation on the number of times a creditor can call in a given period of time.startendtextsometimes these things are simply overlooked.startendtextIt comes down to simple harrasment.startendfacttextCapital One Bank' s dialers will call every single hour if a payment is overdue...", "start": 113, "end": 195}], "testimony": [{"text": "If I know I am paying bills on a given day, I just use my caller ID and ignore them.", "start": 242, "end": 326}], "policy": [{"text": "I do think that these calls need to be at least limited.", "start": 327, "end": 383}]}, "relations": {"reason": [{"head": {"text": "I do think that these calls need to be at least limited.", "start": 327, "end": 383}, "tail": {"text": "It comes down to simple harrasment.", "start": 384, "end": 419}}]}}, "schema": []} |
| {"input": "Yes, the Massachusetts model sounds very sensible and the Feds should consider adopting it or something similar. Two contacts in a 7-day period is plenty, but I think wherever the limits are set they will have to be very strictly enforced. These collectors will find any loopholes, excuses or reasons to get around a regulation like this. There has to be zero tolerance, every time, no exceptions. They have violated our privacy and the right to peaceful enjoyment of our home one too many times.", "output": {"entities": {"value": [{"text": "Yes, the Massachusetts model sounds very sensible", "start": 0, "end": 49}, {"text": "Two contacts in a 7-day period is plenty,", "start": 113, "end": 154}, {"text": "but I think wherever the limits are set they will have to be very strictly enforced.", "start": 155, "end": 239}, {"text": "These collectors will find any loopholes, excuses or reasons to get around a regulation like this.", "start": 240, "end": 338}, {"text": "They have violated our privacy and the right to peaceful enjoyment of our home one too many times.", "start": 398, "end": 496}], "policy": [{"text": "and the Feds should consider adopting it or something similar.", "start": 50, "end": 112}, {"text": "There has to be zero tolerance, every time, no exceptions.", "start": 339, "end": 397}]}, "relations": {"reason": [{"head": {"text": "and the Feds should consider adopting it or something similar.", "start": 50, "end": 112}, "tail": {"text": "Yes, the Massachusetts model sounds very sensible", "start": 0, "end": 49}}, {"head": {"text": "but I think wherever the limits are set they will have to be very strictly enforced.", "start": 155, "end": 239}, "tail": {"text": "These collectors will find any loopholes, excuses or reasons to get around a regulation like this.", "start": 240, "end": 338}}, {"head": {"text": "but I think wherever the limits are set they will have to be very strictly enforced.", "start": 155, "end": 239}, "tail": {"text": "They have violated our privacy and the right to peaceful enjoyment of our home one too many times.", "start": 398, "end": 496}}, {"head": {"text": "There has to be zero tolerance, every time, no exceptions.", "start": 339, "end": 397}, "tail": {"text": "These collectors will find any loopholes, excuses or reasons to get around a regulation like this.", "start": 240, "end": 338}}, {"head": {"text": "There has to be zero tolerance, every time, no exceptions.", "start": 339, "end": 397}, "tail": {"text": "They have violated our privacy and the right to peaceful enjoyment of our home one too many times.", "start": 398, "end": 496}}]}}, "schema": []} |
| {"input": "They should not have free-to-end-user it will just making worse for consumer. This does not make sense.", "output": {"entities": {"policy": [{"text": "They should not have free-to-end-user", "start": 0, "end": 37}], "value": [{"text": "it will just making worse for consumer.", "start": 38, "end": 77}, {"text": "This does not make sense.", "start": 78, "end": 103}]}, "relations": {"reason": [{"head": {"text": "They should not have free-to-end-user", "start": 0, "end": 37}, "tail": {"text": "it will just making worse for consumer.", "start": 38, "end": 77}}]}}, "schema": []} |
| {"input": "There are a few states that have the barbaric practice of actually arresting people for their debts by using a legal loophole. Some of the most egregious examples are in Minnesota, Illinois, and Missouri. The creditor sues the debtor in court. If the person fails to show, a warrant can be issued for their arrest. The police can actually arrest and jail the debtor until a court hearing, or until they pay the bond (which is usually the amount of the debt). This is a downright abuse of the legal system. These loopholes need to be closed in all states.", "output": {"entities": {"fact": [{"text": "There are a few states that have the barbaric practice of actually arresting people for their debts by using a legal loophole.", "start": 0, "end": 126}, {"text": "If the person fails to show, a warrant can be issued for their arrest.", "start": 244, "end": 314}, {"text": "The police can actually arrest and jail the debtor until a court hearing, or until they pay the bond (which is usually the amount of the debt).", "start": 315, "end": 458}], "value": [{"text": "Some of the most egregious examples are in Minnesota, Illinois, and Missouri.", "start": 127, "end": 204}, {"text": "The creditor sues the debtor in court.", "start": 205, "end": 243}, {"text": "This is a downright abuse of the legal system.", "start": 459, "end": 505}], "policy": [{"text": "These loopholes need to be closed in all states.", "start": 506, "end": 554}]}, "relations": {}}, "schema": []} |
| {"input": "I appreciate Mr. Bartmann' s comments but they appear to be grounded in a collection agency perspective (there is always business and market share tension between collection agencies and law firms). The reality is that (and this was voiced by other participants) many (not all but many) debtors simply won' t/can' t pay until they have to. The FDCPA and TCPA have truly made communications with debtor both difficult and hazardous for the collector. For instance, the fact that you can' t safely leave a voice message for a debtor should be very troubling. Over the years, our firm has stopped initial outbound calling (responding only to inbound calls) and also limited our pre-suit letters to just two. We send the required disclosure letter and (there being no response and the account reviewed for suit) then send a discounted payment offer that says we are going to file suit but would rather settle. We offer reasonable terms to the debtors to avoid a costly suit but the response rate is absolutely miserable, probably in the single digits percentage wise. Believe me, suits are time consuming and expensive, but they are often simply the only option. Even when the debtors are served, few contact us, and even fewer when the court sends them the judgment. Worse, a judgment doesn' t guarantee payment on the account. Clarification via Regulations as to what we can say and do in communications would at least promote more communication between the parties. With that, perhaps more points of contact could resolve debts before suit. I strongly disagree that litigation should be \ as it is not only a simple reality in much of debt collection but a fundamental right of a creditor. However, I think Regulations making it clear what can and cannot be done in communications that can shield the industry from the wild west of FDCPA and TCPA lawsuits would greatly encourage more communication. I also think a reasonable, good faith attempt to resolve the case (offering a payment plan and/or lump sum) before suit is filed is still a good idea as well even though our own response rate has not been great. Anything more will infringe on a creditor' s rights and interfere with state law. Perhaps the CFPB Portal could have a debt resolution aspect to it where a debtor could try to resolve an account in a \" safer \" more disarming manner.", "output": {"entities": {"value": [{"text": "I appreciate Mr. Bartmann' s commentsstartendtextbut they appear to be grounded in a collection agency perspectivestartendtextThe FDCPA and TCPA have truly made communications with debtor both difficult and hazardous for the collector.startendtextFor instance, the fact that you can' t safely leave a voice message for a debtor should be very troubling.", "start": 450, "end": 556}, {"text": "the response rate is absolutely miserable, probably in the single digits percentage wise.", "start": 974, "end": 1063}, {"text": "Believe me, suits are time consuming and expensive,", "start": 1064, "end": 1115}, {"text": "Worse, a judgment doesn' t guarantee payment on the account.startendtextClarification via Regulations as to what we can say and do in communications would at least promote more communication between the parties.startendtextWith that, perhaps more points of contact could resolve debts before suit.startendtextI strongly disagree that litigation should be \startendtextas it is not only a simple reality in much of debt collection but a fundamental right of a creditor.startendtextHowever, I think Regulations making it clear what can and cannot be done in communications that can shield the industry from the wild west of FDCPA and TCPA lawsuits would greatly encourage more communication.startendtextI also think a reasonable, good faith attempt to resolve the case (offering a payment plan and/or lump sum) before suit is filed is still a good idea as wellstartendtexteven though our own response rate has not been great.startendtextAnything more will infringe on a creditor' s rights and interfere with state law.", "start": 2125, "end": 2206}, {"text": "Perhaps the CFPB Portal could have a debt resolution aspect to it where a debtor could try to resolve an account in a \" safer \" more disarming manner.", "start": 2207, "end": 2357}], "fact": [{"text": "(there is always business and market share tension between collection agencies and law firms).", "start": 104, "end": 198}, {"text": "The reality is that (and this was voiced by other participants) many (not all but many) debtors simply won' t/can' t pay until they have to.", "start": 199, "end": 339}, {"text": "but they are often simply the only option.", "start": 1116, "end": 1158}], "testimony": [{"text": "Over the years, our firm has stopped initial outbound calling (responding only to inbound calls) and also limited our pre-suit letters to just two.", "start": 557, "end": 704}, {"text": "We send the required disclosure letter and (there being no response and the account reviewed for suit) then send a discounted payment offer that says we are going to file suit but would rather settle.", "start": 705, "end": 905}, {"text": "We offer reasonable terms to the debtors to avoid a costly suit but", "start": 906, "end": 973}, {"text": "Even when the debtors are served, few contact us, and even fewer when the court sends them the judgment.", "start": 1159, "end": 1263}]}, "relations": {"reason": [{"head": {"text": "I strongly disagree that litigation should be \" discouraged \"", "start": 1540, "end": 1601}, "tail": {"text": "as it is not only a simple reality in much of debt collection but a fundamental right of a creditor.", "start": 1602, "end": 1702}}, {"head": {"text": "I also think a reasonable, good faith attempt to resolve the case (offering a payment plan and/or lump sum) before suit is filed is still a good idea as well", "start": 1913, "end": 2070}, "tail": {"text": "Anything more will infringe on a creditor' s rights and interfere with state law.startendschema |
| inputThis is the PROBLEM over and over Why should lawyers get a pass from rules of the Bar Associations or rules of the court because they are now considered \ even I did not know this, though I have seen advertised quite a bit lawyers in the \ business. This is wrong. I hope if anything, this very thing is addressed. Using a lawyer to send a letter is often a way to intimidate. People become too frightened to even respond. The rules are blown off by lawyers who go into this debt collection business because they make a fast easy buck, and they know the debtor has very little recourse, and there is so few rules that protect the consumer/debtor. Being in debt stopped being a crime decades ago, but the lack of rules that protect the debtor are bringing back these draconian practices. Uniformity, is needed, and making lawyers abide by the rules of the Bar. Just two right off. It is bringing to light why this system has become so fraught with abuse.outputentitiesvaluetextThis is the PROBLEM over and overstartendtexteven I did not know this, though I have seen advertised quite a bit lawyers in the \ business.startendtextThis is wrong.startendtextI hope if anything, this very thing is addressed.startendtextUsing a lawyer to send a letter is often a way to intimidate.startendtextPeople become too frightened to even respond.startendtextThe rules are blown off by lawyers who go into this debt collection businessstartendtextbecause they make a fast easy buck, and they know the debtor has very little recourse, and there is so few rules that protect the consumer/debtor.startendtextbut the lack of rules that protect the debtor are bringing back these draconian practices.startendtextIt is bringing to light why this system has become so fraught with abuse.startendpolicytextWhy should lawyers get a pass from rules of the Bar Associations or rules of the court because they are now considered \startendtextUniformity, is needed, and making lawyers abide by the rules of the Bar.startendfacttextBeing in debt stopped being a crime decades ago,startendrelationsreasonheadtextI hope if anything, this very thing is addressed.startendtailtextThis is wrong.startendheadtextThe rules are blown off by lawyers who go into this debt collection businessstartendtailtextbecause they make a fast easy buck, and they know the debtor has very little recourse, and there is so few rules that protect the consumer/debtor.startendschema |
| inputI disagree. Keeping a paper trail protects everyone, especially the most vulnerable and least able to protect oneself.outputentitiesvaluetextI disagree.startendtextKeeping a paper trail protects everyone, especially the most vulnerable and least able to protect oneself.startendrelationsreasonheadtextI disagree.startendtailtextKeeping a paper trail protects everyone, especially the most vulnerable and least able to protect oneself.startendschema |
| inputThe Permissible hours of 9am-8 pm is good. I actually would like to see it moved to the other proposed time of 9am-7pm, but i think 8pm is a fair compromise. Because the current 8am-9pm really is just way to early/late. I (and many families) are in bed after 8pm and phone afer 8pm really is way too late. I support the 9am-8pm hours. I further support weekend calling lessened to noon-5pm because people like to sleep in on the weekends and spend time with family. Having a phone call after 5pm really is not necessary as most people will be out and/or entertaining guests at their homes and will not take calls in the afternoon. I further support adherence to blue laws that prohibit consumer contact on Sundays. Sundays really are when most people are spending whatever little time they have left before the workweek with friends and family. I do not conduct business on Sundays. The work week really should be when debt collectors are working on trying to contact consumers.outputentitiesvaluetextThe Permissible hours of 9am-8 pm is good.startendtextI actually would like to see it moved to the other proposed time of 9am-7pm,startendtextbut i think 8pm is a fair compromise.startendtextBecause the current 8am-9pm really is just way to early/late.startendtextI (and many families) are in bed after 8pmstartendtextand phone afer 8pm really is way too late.startendtextI support the 9am-8pm hours.startendtextI further support weekend calling lessened to noon-5pmstartendtextbecause people like to sleep in on the weekends and spend time with family.startendtextHaving a phone call after 5pm really is not necessarystartendtextas most people will be out and/or entertaining guests at their homes and will not take calls in the afternoon.startendtextI further support adherence to blue laws that prohibit consumer contact on Sundays.startendtextSundays really are when most people are spending whatever little time they have left before the workweek with friends and family.startendtestimonytextI do not conduct business on Sundays.startendpolicytextThe work week really should be when debt collectors are working on trying to contact consumers.startendrelationsreasonheadtextThe Permissible hours of 9am-8 pm is good.startendtailtextBecause the current 8am-9pm really is just way to early/late.startendheadtextBecause the current 8am-9pm really is just way to early/late.startendtailtextI (and many families) are in bed after 8pmstartendheadtextand phone afer 8pm really is way too late.startendtailtextI (and many families) are in bed after 8pmstartendheadtextI support the 9am-8pm hours.startendtailtextBecause the current 8am-9pm really is just way to early/late.startendheadtextI further support weekend calling lessened to noon-5pmstartendtailtextbecause people like to sleep in on the weekends and spend time with family.startendheadtextHaving a phone call after 5pm really is not necessarystartendtailtextas most people will be out and/or entertaining guests at their homes and will not take calls in the afternoon.startendheadtextI further support adherence to blue laws that prohibit consumer contact on Sundays.startendtailtextSundays really are when most people are spending whatever little time they have left before the workweek with friends and family.startendheadtextI do not conduct business on Sundays.startendtailtextSundays really are when most people are spending whatever little time they have left before the workweek with friends and family.startendschema |
| inputFor further reference on debt tolling: __URL__ So, again, it seems as though the SOL matters very little in these cases. Perhaps the bigger question is whether or not eliminating debt tolling should be considered as a new rule.outputentitiesreferencetextFor further reference on debt tolling: __URL__startendvaluetextSo, again, it seems as though the SOL matters very little in these cases.startendtextPerhaps the bigger question is whether or not eliminating debt tolling should be considered as a new rule.startendrelationsschema |
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