input stringlengths 56 2.87k | output dict | schema listlengths 0 0 |
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Unless the consumer chooses to communicate by phone, all correspondences from collectors should go through mail. This allows the consumer to take time in considering what the collector is requesting. It also avoids confusion for both parties. The only reason this isn' t the standard approach is because it limits how an... | {
"entities": {
"policy": [
{
"text": "Unless the consumer chooses to communicate by phone, all correspondences from collectors should go through mail.",
"start": 0,
"end": 112
}
],
"fact": [
{
"text": "This allows the consumer to take time in considering ... | [] |
Once a debt has reached the end of its statue of limitations is should be removed from the consumer credit report. However, collectors use the law to refresh old debts so they effectively never leave a report. If a collector can' t sue to retrieve the debt it has no business on a consumer report. | {
"entities": {
"policy": [
{
"text": "Once a debt has reached the end of its statue of limitations is should be removed from the consumer credit report.",
"start": 0,
"end": 114
}
],
"fact": [
{
"text": "However, collectors use the law to refresh old debt... | [] |
Legally, I don' t believe that CFPB authority should stretch into this area since the federal laws do not include such a limitation. Notification to a consumer that a debt is beyond statute is problematicsince that date is not permanent. Partial payment on an account restarts the statute of limitations. I don' t believ... | {
"entities": {
"policy": [
{
"text": "Legally, I don' t believe that CFPB authority should stretch into this area",
"start": 0,
"end": 75
},
{
"text": "However, this education should include notification to the legal profession that the CFPB will bring violations... | [] |
Current debt substantiation requirements all suffer from the same significant shortcoming in that they fail to address the often symbiotic relationship between first-line creditors, collectors, reporting agencies, consumer data clearinghouses, buyers of bad debt, and others industry players. Each has a vested profit mo... | {
"entities": {
"value": [
{
"text": "Current debt substantiation requirements all suffer from the same significant shortcoming in that they fail to address the often symbiotic relationship between first-line creditors, collectors, reporting agencies, consumer data clearinghouses, buyers of bad debt... | [] |
This is a problem that needs to be corrected. In this case, the line of credit is negatively affecting your credit a multiple of times even though it is one line. | {
"entities": {
"policy": [
{
"text": "This is a problem that needs to be corrected.",
"start": 0,
"end": 45
}
],
"fact": [
{
"text": "In this case, the line of credit is negatively affecting your credit a multiple of times even though it is one line.",
... | [] |
We live in the Information Age. All the information this individual is requesting is readily available with a few keystrokes. | {
"entities": {
"fact": [
{
"text": "We live in the Information Age.",
"start": 0,
"end": 31
},
{
"text": "All the information this individual is requesting is readily available with a few keystrokes.",
"start": 32,
"end": 125
}
]
},
... | [] |
First parties should still have the right to sue if they deem it necessary. I have no problem with this rule if it is directed to third party debt buyers. | {
"entities": {
"policy": [
{
"text": "First parties should still have the right to sue if they deem it necessary.",
"start": 0,
"end": 75
}
],
"value": [
{
"text": "I have no problem with this rule if it is directed to third party debt buyers.",
"... | [] |
I don' t believe in abusive behavior (i. e. the behavior spelled out in the FDCPA), but what this individual is saying that she owes a debt that she is not paying. Instead, she wants to be the offensive party and paint the collector into a corner using a recording device. | {
"entities": {
"value": [
{
"text": "I don' t believe in abusive behavior",
"start": 0,
"end": 36
},
{
"text": "Instead, she wants to be the offensive party and paint the collector into a corner using a recording device.",
"start": 164,
"end": 272... | [] |
Can there be a national repository to report abusive phone calls from debt collectors that masked (fake and " spoof ") their caller ID? I got a brand new phone number a few years ago and it obviously previously belonged to someone who is delinquent on their bills because I get calls everyday from debt collectors lookin... | {
"entities": {
"policy": [
{
"text": "Can there be a national repository to report abusive phone calls from debt collectors that masked (fake and \" spoof \") their caller ID?",
"start": 0,
"end": 135
}
],
"testimony": [
{
"text": "I got a brand new phone... | [] |
Compliance 2013 demonstrates the type of arrogance that I have been addressing in my prior comments. The belief that a default is a default by courts along with the practice of REWARDING Strategic Defaulters while sentencing INVOLUNTARY DEFAULTERS to never ending escalating debt because of the ongoing interest rate cha... | {
"entities": {
"value": [
{
"text": "Compliance 2013 demonstrates the type of arrogance that I have been addressing in my prior comments.",
"start": 0,
"end": 100
},
{
"text": "and that is not a good thing.",
"start": 452,
"end": 481
}
]... | [] |
Consumers are typically notified numerous times before the account is sent to a collection agency. It is in the best interests of the credit union to try and resolve the delinquency before it is sent to a collection agency due to the added cost. | {
"entities": {
"fact": [
{
"text": "Consumers are typically notified numerous times before the account is sent to a collection agency.",
"start": 0,
"end": 98
}
],
"value": [
{
"text": "It is in the best interests of the credit union to try and resolve th... | [] |
Any form of written communication should count as a notice in writing. If a debt collector receives a notice via email of contact they should be required to follow it. | {
"entities": {
"policy": [
{
"text": "Any form of written communication should count as a notice in writing.",
"start": 0,
"end": 70
},
{
"text": "If a debt collector receives a notice via email of contact they should be required to follow it.",
"start": ... | [] |
jfearon, I think you have to do it online. I was able to clean up a family member' s credit report online. | {
"entities": {
"fact": [
{
"text": "jfearon, I think you have to do it online.",
"start": 0,
"end": 42
}
],
"testimony": [
{
"text": "I was able to clean up a family member' s credit report online.",
"start": 43,
"end": 106
}
]
... | [] |
The consumer should be allowed to record all calls for proof of conversation with collectors. And once a collector received a notice to not contact a debtor at their workplace it should be required that they do not even for " location " | {
"entities": {
"policy": [
{
"text": "The consumer should be allowed to record all calls for proof of conversation with collectors.",
"start": 0,
"end": 93
},
{
"text": "And once a collector received a notice to not contact a debtor at their workplace it should b... | [] |
I am concerned that there is some type of rewards system in place that somehow monetizes those who report when a consumer has a potential bad credit scenario. As a conspiracy theory it makes sense since it drives up the cost of a loan. | {
"entities": {
"value": [
{
"text": "I am concerned that there is some type of rewards system in place that somehow monetizes those who report when a consumer has a potential bad credit scenario.",
"start": 0,
"end": 158
},
{
"text": "As a conspiracy theory it ma... | [] |
I am concerned that state and federal agencies are contributing to identity theft, big time. In just the past month I had to make an online payment on what I believe was a federal hobbs act violation by the Los Angeles building and Safety department. A day after making the payment or risk losing my home, that same cred... | {
"entities": {
"value": [
{
"text": "I am concerned that state and federal agencies are contributing to identity theft, big time.",
"start": 0,
"end": 92
},
{
"text": "And on top of that, there really didn' t seem to be a big deal made out of the fact that the do... | [] |
I agree. I have been harassed for years (after getting a new cell phone number) from debt collectors calling for someone else. I presume it is the person who had my phone number before me. No matter how many times I tell them that they have the wrong number, they just keep calling over and over. | {
"entities": {
"value": [
{
"text": "I agree.",
"start": 0,
"end": 8
}
],
"testimony": [
{
"text": "I have been harassed for years (after getting a new cell phone number) from debt collectors calling for someone else.",
"start": 9,
"end": ... | [] |
I agree. I' ve heard of this happening and it' s unjust. | {
"entities": {
"value": [
{
"text": "I agree.",
"start": 0,
"end": 8
},
{
"text": "and it' s unjust.",
"start": 39,
"end": 56
}
],
"testimony": [
{
"text": "I' ve heard of this happening",
"start": 9,
"e... | [] |
Consumers need to be pro-active in everything they do. If an individual had the capability to take on a debt then they should have the capability to resolve the debt. Every credit union I know goes the extra mile to help their members achieve financial success. | {
"entities": {
"policy": [
{
"text": "Consumers need to be pro-active in everything they do.",
"start": 0,
"end": 54
},
{
"text": "If an individual had the capability to take on a debt then they should have the capability to resolve the debt.",
"start": 5... | [] |
If a consumer states that he disputes the debt, the debt collector should immediately cease ALL collection activity until the debt is validated. And, by validation, it needs to be more than " the name and social security information matches the creditor' s records. The validation process should include a clear and comp... | {
"entities": {
"policy": [
{
"text": "If a consumer states that he disputes the debt, the debt collector should immediately cease ALL collection activity until the debt is validated.",
"start": 0,
"end": 144
},
{
"text": "And, by validation, it needs to be more t... | [] |
As a bankruptcy lawyer, I frequently deal with clients or are harassed by debt collectors calling family or neighbors. the collectors will claim they are acquiring location information, but this is frequently the case where the consumer has been at the same location for years. I hope the rules will narrow the " locatio... | {
"entities": {
"testimony": [
{
"text": "As a bankruptcy lawyer, I frequently deal with clients or are harassed by debt collectors calling family or neighbors.",
"start": 0,
"end": 118
}
],
"fact": [
{
"text": "the collectors will claim they are acquiring... | [] |
Paying a debt in full will always improve a credit score unless the debt is over 7 years old. If that is the case, I' m sure you can make a request to the financial institution to not report the payment. | {
"entities": {
"fact": [
{
"text": "Paying a debt in full will always improve a credit score unless the debt is over 7 years old.",
"start": 0,
"end": 93
},
{
"text": "If that is the case, I' m sure you can make a request to the financial institution to not repor... | [] |
It seems that just about anyone can create a debt collection company and if the owners and/or employees have unscrupulous desires, then it seems that privacy is a big concern. Plus, if anyone can create/own debt collection companies, then it doesn' t seem to surprise me why so many debt collecting companies break the l... | {
"entities": {
"fact": [
{
"text": "It seems that just about anyone can create a debt collection company",
"start": 0,
"end": 68
}
],
"value": [
{
"text": "and if the owners and/or employees have unscrupulous desires, then it seems that privacy is a big c... | [] |
another issue is an original business which isn' t covered under FDCPA only needs a servicemember' s military address (usually their only address), they simple replace the servicemember/customer' s name with Commanding Officer on a mailing or use a unit locator and ask for Commanding Officer. Considering some of the bu... | {
"entities": {
"fact": [
{
"text": "another issue is an original business which isn' t covered under FDCPA only needs a servicemember' s military address (usually their only address),",
"start": 0,
"end": 147
},
{
"text": "they simple replace the servicemember/cu... | [] |
Check your state law, such as Illinois has its own Collection Agency Act. It' s a licensed profession and Atty general for the state would be a start for a complaint. __URL__ | {
"entities": {
"policy": [
{
"text": "Check your state law,",
"start": 0,
"end": 21
}
],
"fact": [
{
"text": "such as Illinois has its own Collection Agency Act.",
"start": 22,
"end": 73
},
{
"text": "It' s a licensed p... | [] |
At least in Illinois there is a Caller ID spoofing law. Still get calls every day with false/unintelligible called ID listed and no message left. __URL__ | {
"entities": {
"fact": [
{
"text": "At least in Illinois there is a Caller ID spoofing law.",
"start": 0,
"end": 55
}
],
"testimony": [
{
"text": "Still get calls every day with false/unintelligible called ID listed and no message left.",
"start":... | [] |
Creditors generally do not send accounts to collection until after they have sent multiple notices. Requiring a specific notice will expose small creditors to liability beyond any benefit to consumers. | {
"entities": {
"fact": [
{
"text": "Creditors generally do not send accounts to collection until after they have sent multiple notices.",
"start": 0,
"end": 99
}
],
"value": [
{
"text": "Requiring a specific notice will expose small creditors to liability... | [] |
A standard first letter would be an excellent idea-especially if states would agree on the content. Consumers could recognize the format and know where to look for the information they need. Consumer testing would be a very good idea. I believe that industry members would favor this to reduce litigation over technical ... | {
"entities": {
"value": [
{
"text": "A standard first letter would be an excellent idea-especially if states would agree on the content.",
"start": 0,
"end": 99
},
{
"text": "Consumer testing would be a very good idea.",
"start": 191,
"end": 234
... | [] |
I knew a man who was sued by a debt collector and he was not served. " Someone " was served, but not at his address and he was denied due process. He learned of the suit when it was a judgment on his credit report. He attempted to have the judgment overturned for lack of due process and the judge would not grant it. Un... | {
"entities": {
"testimony": [
{
"text": "I knew a man who was sued by a debt collector and he was not served.",
"start": 0,
"end": 68
},
{
"text": "\" Someone \" was served, but not at his address and he was denied due process.",
"start": 69,
"end... | [] |
I agree both party' s should be aware if any recording is going on. It is fair for both sides | {
"entities": {
"policy": [
{
"text": "I agree both party' s should be aware if any recording is going on.",
"start": 0,
"end": 67
}
],
"value": [
{
"text": "It is fair for both sides",
"start": 68,
"end": 93
}
]
},
"relations... | [] |
The FTC got this one right. Alternative one is easy to communicate and understand. Terms like default and charge-off can be confusing and subject to interpretation. | {
"entities": {
"value": [
{
"text": "The FTC got this one right.",
"start": 0,
"end": 27
},
{
"text": "Alternative one is easy to communicate and understand.",
"start": 28,
"end": 82
},
{
"text": "Terms like default and charge-... | [] |
I don' t think that is the solution, I hear there isn' t room in the jails to put all the bill collectors. A lot of the multiple calls problems come from an dialer calling, if it doesn' t get an answer it will call back later. | {
"entities": {
"value": [
{
"text": "I don' t think that is the solution,",
"start": 0,
"end": 36
}
],
"fact": [
{
"text": "I hear there isn' t room in the jails to put all the bill collectors.",
"start": 37,
"end": 106
},
{
... | [] |
I have a debt in dispute with the CFPB, and it has not yet been resolved, but during the government shutdown the Original Creditor turned it over to a collection agency. The collection agency has not contacted me in writing at all, but they did a hard pull on my credit report. I legitimately closed the account when it ... | {
"entities": {
"testimony": [
{
"text": "I have a debt in dispute with the CFPB, and it has not yet been resolved, but during the government shutdown the Original Creditor turned it over to a collection agency.",
"start": 0,
"end": 169
},
{
"text": "The collectio... | [] |
A simple request for a call back is the best. " Foti " messages serve no one. It' s clear to everyone that the call is from a collector and 3rd parties are unnecessarily inconvenienced. | {
"entities": {
"value": [
{
"text": "A simple request for a call back is the best.",
"start": 0,
"end": 45
},
{
"text": "\" Foti \" messages serve no one.",
"start": 46,
"end": 77
},
{
"text": "It' s clear to everyone that the ... | [] |
You don' t answer you' ll get a call again. Rather than ignore you could answer and ask the company not to call you. | {
"entities": {
"fact": [
{
"text": "You don' t answer you' ll get a call again.",
"start": 0,
"end": 43
},
{
"text": "Rather than ignore you could answer and ask the company not to call you.",
"start": 44,
"end": 116
}
]
},
"relation... | [] |
Consumers should be able to review all encoding and information in e-OSCAR and there should be a comprehensive means to submit corrections and evidence to a dispute. | {
"entities": {
"policy": [
{
"text": "Consumers should be able to review all encoding and information in e-OSCAR",
"start": 0,
"end": 74
},
{
"text": "and there should be a comprehensive means to submit corrections and evidence to a dispute.",
"start": 75... | [] |
I don' t think that we are discussing how to block a collector from calling you. You shouldn' t have to feel that you have to " block " a call. You should just answer and ask them not to call you. | {
"entities": {
"value": [
{
"text": "I don' t think that we are discussing how to block a collector from calling you.",
"start": 0,
"end": 80
}
],
"policy": [
{
"text": "You shouldn' t have to feel that you have to \" block \" a call.",
"start": 8... | [] |
Creditors should be entitled to require consumers to provide them with a contact address and phone number and to provide updates while debts are outstanding. If consumers do not do so, it should be fair for creditors (and collectors) to skip-trace or to reach them at other numbers. Collectors should not be allowed to m... | {
"entities": {
"policy": [
{
"text": "Creditors should be entitled to require consumers to provide them with a contact address and phone number and to provide updates while debts are outstanding.",
"start": 0,
"end": 157
},
{
"text": "If consumers do not do so, i... | [] |
I don' t think limiting the time to call a person at work is an option. Everyone works at different times. Some people moves, change cell phone numbers, so call them at work is sometimes the only option. It' s hard to know what place " prefers " no personal calls, and a list could be an option, but most people work for... | {
"entities": {
"value": [
{
"text": "I don' t think limiting the time to call a person at work is an option.",
"start": 0,
"end": 71
},
{
"text": "so call them at work is sometimes the only option.",
"start": 153,
"end": 203
},
{
... | [] |
Let' s start by assuming the creditor provided something for which a consumer agreed to pay. Creditors should be entitled to get a phone number and address at which the creditor can reach the consumer and to get updates as long as a debt is outstanding. If a consumer chooses to use only a cell phone, the creditor and c... | {
"entities": {
"policy": [
{
"text": "Let' s start by assuming the creditor provided something for which a consumer agreed to pay.",
"start": 0,
"end": 92
},
{
"text": "Creditors should be entitled to get a phone number and address at which the creditor can reach... | [] |
To start e-oscar should take internet complaints the same a shad written letters. They do not do that. They take internet disputes differently then they do hand written letter. That is in regards to disputed debts and it is important that the credit bureaus be consistent about the dispute process and the statues of lim... | {
"entities": {
"policy": [
{
"text": "To start e-oscar should take internet complaints the same a shad written letters.",
"start": 0,
"end": 81
},
{
"text": "They should also have limits on how many collection agencies they sell the account of too including their... | [] |
I have no personal experiences with debt to speak of, only my experiences working with victims of identity theft who have fraudulent debts; which is a horse of a different color. Consumers are not educated about how debt collection and revival works. The issue in the end isn' t the mechanics, or if they can request the... | {
"entities": {
"testimony": [
{
"text": "I have no personal experiences with debt to speak of, only my experiences working with victims of identity theft who have fraudulent debts; which is a horse of a different color.",
"start": 0,
"end": 178
}
],
"fact": [
{
... | [] |
Please go hard after the service industry. They have done a lot to foul up the debt collection process by having their service people FALSE SERVE and FALSE SUBSERVE prospective debt collection alleged defaulters. It' s happened to me twice, the first time the process server simply guessed by using the most generic age ... | {
"entities": {
"policy": [
{
"text": "Please go hard after the service industry.",
"start": 0,
"end": 42
},
{
"text": "which in and of itself should be enough to give the judge some type of latitude to do something to protect the defendants,",
"start": 87... | [] |
Innocent until proven guilty is the American Justice System. And the burden of the proof is on the one bringing the suit. Debt collectors need to get their act together before trying to file frivolous lawsuits. | {
"entities": {
"fact": [
{
"text": "Innocent until proven guilty is the American Justice System.",
"start": 0,
"end": 60
},
{
"text": "And the burden of the proof is on the one bringing the suit.",
"start": 61,
"end": 121
}
],
"polic... | [] |
That' s the price of being in the business. If debt collectors can' t hack it in the real world, then they need to find another business industry to be for their " careers. " | {
"entities": {
"value": [
{
"text": "That' s the price of being in the business.",
"start": 0,
"end": 43
}
],
"policy": [
{
"text": "If debt collectors can' t hack it in the real world, then they need to find another business industry to be for their \" c... | [] |
After having a perfect payment history for 15 years, I had to across the board default on six accounts because I became an unpaid caregiver for my parents. However, before I ever defaulted, I contacted each account and explained what was going on. I would also like to note that five of the six accounts were still being... | {
"entities": {
"testimony": [
{
"text": "After having a perfect payment history for 15 years, I had to across the board default on six accounts",
"start": 0,
"end": 102
},
{
"text": "because I became an unpaid caregiver for my parents.",
"start": 103,
... | [] |
That' s business. Debt collectors--small, medium, and large--know the cost of doing business. And if they don' t know, then they need to find a new " career. " | {
"entities": {
"value": [
{
"text": "That' s business.",
"start": 0,
"end": 17
},
{
"text": "Debt collectors--small, medium, and large--know the cost of doing business.",
"start": 18,
"end": 93
}
],
"policy": [
{
"text"... | [] |
I don' t think that the partial SSN should be included. That raises too many privacy concerns. And I' m sure that one day a debt collection company will have a " system malfunction " and will " accidentally " send the full SSN. Too many consumers have similar names in the same city. Lastly, many different companies cla... | {
"entities": {
"policy": [
{
"text": "I don' t think that the partial SSN should be included.",
"start": 0,
"end": 55
}
],
"value": [
{
"text": "That raises too many privacy concerns.",
"start": 56,
"end": 94
},
{
"text... | [] |
Once I tell a debt collector I am a unpaid CareGiver and that is why I had to stop making payments, In essence they were telling me to let my parents die if necessary and go get a job. I was repeatedly baited with the comment, " So you are a " refuse to pay ". I found this type of conduct outside the lines of common de... | {
"entities": {
"testimony": [
{
"text": "Once I tell a debt collector I am a unpaid CareGiver",
"start": 0,
"end": 52
},
{
"text": "and that is why I had to stop making payments,",
"start": 53,
"end": 99
},
{
"text": "In essenc... | [] |
I dont understand why bill collectors are so stuck in ancient times. I get so many calls and its annoying. I would much rather get a text or email. The phone ringing can be annoying and a text is more subtle. It also doesnt require me to hear a long dragging voicemail. I would rather get a text saying who they are and ... | {
"entities": {
"value": [
{
"text": "I dont understand why bill collectors are so stuck in ancient times.",
"start": 0,
"end": 68
},
{
"text": "I get so many calls and its annoying.",
"start": 69,
"end": 106
},
{
"text": "I wou... | [] |
I often find that some banks wont allow their agencies to take debit or credit card. All agencies should accept debit and credit payments. Its like they are stuck in 1950. | {
"entities": {
"testimony": [
{
"text": "I often find that some banks wont allow their agencies to take debit or credit card.",
"start": 0,
"end": 84
}
],
"policy": [
{
"text": "All agencies should accept debit and credit payments.",
"start": 85,
... | [] |
Texts will not work for consumers. Consumers must pay for texts and this is already against the law will rightly so. | {
"entities": {
"value": [
{
"text": "Texts will not work for consumers.",
"start": 0,
"end": 34
}
],
"fact": [
{
"text": "Consumers must pay for texts",
"start": 35,
"end": 63
},
{
"text": "and this is already against t... | [] |
Text me please... it is annoying to have to ignore your call every other day. For goodness sake it is 2013!!! Send me a text and wait for my reply. I cant take calls at work and ignore calls from numbers I dont know. Which makes it easy for me to be in collections and not know. If you have my cell number because the ba... | {
"entities": {
"policy": [
{
"text": "Text me please...",
"start": 0,
"end": 17
},
{
"text": "Send me a text and wait for my reply.",
"start": 110,
"end": 147
},
{
"text": "If you have my cell number because the bank had it ple... | [] |
I dont mind the calls to work. My problem is the frequency. The reality is that I owe the bill and I know it. But I dont think they should call my job unless I dont call them back. Tect me and call me first and give me a few days. Then call my job but not every day. | {
"entities": {
"value": [
{
"text": "I dont mind the calls to work.",
"start": 0,
"end": 30
},
{
"text": "My problem is the frequency.",
"start": 31,
"end": 59
}
],
"testimony": [
{
"text": "The reality is that I owe th... | [] |
Actually a dialer does not call back. Your dialer has been purposely setup that way by YOUR IT dept. I bet you would lose in the knowledge of dialers. | {
"entities": {
"fact": [
{
"text": "Actually a dialer does not call back.",
"start": 0,
"end": 37
},
{
"text": "Your dialer has been purposely setup that way by YOUR IT dept.",
"start": 38,
"end": 100
}
],
"value": [
{
... | [] |
That is insane. My mom heard one when I was playing my voice messages at home. They should only disclose through texts. Texts arent something that will be heard by others. That long message saying they are collectors and trying to colleft a debt is ridiculous!! | {
"entities": {
"value": [
{
"text": "That is insane.",
"start": 0,
"end": 15
},
{
"text": "That long message saying they are collectors and trying to colleft a debt is ridiculous!!",
"start": 172,
"end": 261
}
],
"testimony": [
... | [] |
It is against the law to call cell phones. And to send out texts. And no matter how much the debt collection lobbyists try to change the law, it won' t work. | {
"entities": {
"fact": [
{
"text": "It is against the law to call cell phones.",
"start": 0,
"end": 42
},
{
"text": "And to send out texts.",
"start": 43,
"end": 65
}
],
"value": [
{
"text": "And no matter how much the ... | [] |
I need a number to show. Stop blocking yhr number and stop using 800 numbers. To me 800 numbers belong to sales or solicitors. I want to know I have a debt in collections. So dont hide. | {
"entities": {
"value": [
{
"text": "I need a number to show.",
"start": 0,
"end": 24
},
{
"text": "I want to know I have a debt in collections.",
"start": 127,
"end": 171
}
],
"policy": [
{
"text": "Stop blocking yhr n... | [] |
Look, its 2013! Ignoring phone calls is annoying and constantly seeing missed calls is aggrivating. Why are bill collectors stuck in ancient times? Text me!! Email me!! Those phone calls are not going to be answered because I work and have kids. Communicati g with them would be so much easier if I could text and email ... | {
"entities": {
"fact": [
{
"text": "Look, its 2013!",
"start": 0,
"end": 15
},
{
"text": "Seriously this is not 1950 we live in!!",
"start": 334,
"end": 373
}
],
"value": [
{
"text": "Ignoring phone calls is annoying",
... | [] |
People get fired for personal calls at work. I worked at a place where employee phone call was recorded and randomly monitored due to the sensitivity of our work. And every now and then an employee would get caught making/taking a personal phone call and would be fired with no questions asked. Work is not the place for... | {
"entities": {
"fact": [
{
"text": "People get fired for personal calls at work.",
"start": 0,
"end": 44
}
],
"testimony": [
{
"text": "I worked at a place where employee phone call was recorded and randomly monitored due to the sensitivity of our work.",... | [] |
I dont mind the spouse. I mean shes my wife so I dont see why not. But I dont agree with girlfriends or boyfriends for those who dont have a spouse. Spouse is okay. | {
"entities": {
"value": [
{
"text": "I dont mind the spouse.",
"start": 0,
"end": 23
},
{
"text": "so I dont see why not.",
"start": 44,
"end": 66
},
{
"text": "But I dont agree with girlfriends or boyfriends for those who dont... | [] |
Understood. All i meant was that I know a lot of automated dialers. given the nature of my work. They don' t magically redial. The are forced to by the company. | {
"entities": {
"testimony": [
{
"text": "All i meant was that I know a lot of automated dialers. given the nature of my work.",
"start": 12,
"end": 96
}
],
"fact": [
{
"text": "They don' t magically redial.",
"start": 97,
"end": 126
... | [] |
A debt that is paid in full doesn' t improve a credit score at all. A debt that is settled for less or paid in full is the exact same. Once the damage is done to a credit score, the damage will remain. The only slight (very small) improvement on a credit score is when a bad debt was a credit card account and had over 1... | {
"entities": {
"fact": [
{
"text": "A debt that is paid in full doesn' t improve a credit score at all.",
"start": 0,
"end": 67
},
{
"text": "A debt that is settled for less or paid in full is the exact same.",
"start": 68,
"end": 134
},
... | [] |
As a debt collector, I noticed a problem with the protection of landlords/property owners who are requesting internal DNC' s with the company I have employment with. As they will be Do not call flagged " DNC " with one account, they will not be DNC' ed with another account for the purposes of skip tracing, the chance o... | {
"entities": {
"testimony": [
{
"text": "As a debt collector, I noticed a problem with the protection of landlords/property owners who are requesting internal DNC' s with the company I have employment with.",
"start": 0,
"end": 165
}
],
"fact": [
{
"text"... | [] |
Potential for abuse. Here comes your neighbor knocking telling you he' s getting calls looking for you. The same with family members makes holiday gatherings fun since it' s clear it' s a debt collector doing some location acquisition. | {
"entities": {
"value": [
{
"text": "Potential for abuse.",
"start": 0,
"end": 20
},
{
"text": "Here comes your neighbor knocking telling you he' s getting calls looking for you.",
"start": 21,
"end": 103
},
{
"text": "The same... | [] |
see robocalling, picking up just lets them know this is the prime time to make future calls since you' re home at this time. Account keeps changing hands, repeat. " It takes time for us to update our do not call lists... " | {
"entities": {
"value": [
{
"text": "see robocalling, picking up just lets them know this is the prime time to make future calls since you' re home at this time.",
"start": 0,
"end": 124
},
{
"text": "Account keeps changing hands, repeat.",
"start": 125,
... | [] |
You may want to see an attorney specializing in FDCPA cases and take that collector to court. Federal law might be in your favor with all the validation requests ignored. | {
"entities": {
"value": [
{
"text": "You may want to see an attorney specializing in FDCPA cases and take that collector to court.",
"start": 0,
"end": 93
},
{
"text": "Federal law might be in your favor with all the validation requests ignored.",
"start"... | [] |
Many recommendations are dispute credit report in writing since online is more rushed by the people hired to handle this. No requirement to do it online. | {
"entities": {
"value": [
{
"text": "Many recommendations are dispute credit report in writing",
"start": 0,
"end": 57
},
{
"text": "since online is more rushed by the people hired to handle this.",
"start": 58,
"end": 121
}
],
"fact... | [] |
There needs to be some federal protections for the consumer and a clear appeals process. The state run by private company programs seem to see the alleged debtor as already guilty. For example, some consumer groups have suggested that entities may not be including a " clear and conspicuous statement " that the consumer... | {
"entities": {
"policy": [
{
"text": "There needs to be some federal protections for the consumer and a clear appeals process.",
"start": 0,
"end": 88
}
],
"fact": [
{
"text": "The state run by private company programs seem to see the alleged debtor as al... | [] |
In my experience, simply contacting a person to collect a debt, time-barred or otherwise, implies litigation is possible and/or impending. It shoud be clearly stated in any communication if the debt is time-barred and these types of debts should not be discussed by a phone call initiated by the collector. | {
"entities": {
"value": [
{
"text": "In my experience, simply contacting a person to collect a debt, time-barred or otherwise, implies litigation is possible and/or impending.",
"start": 0,
"end": 138
}
],
"policy": [
{
"text": "It shoud be clearly stated... | [] |
I' m in agreement with that statement. Having worked for a Sheriff' s Office where we served many debt collection processes, I found that not much effort is made to locate the proper address for the defendant. When we would find the defendant had moved, we would return it not found. However, the same cannot be said abo... | {
"entities": {
"value": [
{
"text": "I' m in agreement with that statement.",
"start": 0,
"end": 38
},
{
"text": "Having worked for a Sheriff' s Office where we served many debt collection processes, I found that not much effort is made to locate the proper addre... | [] |
Repeated phone calls are torture. There is NO need for this when there is a mail system. One completed phone call should be enough. | {
"entities": {
"value": [
{
"text": "Repeated phone calls are torture.",
"start": 0,
"end": 33
},
{
"text": "There is NO need for this when there is a mail system.",
"start": 34,
"end": 88
}
],
"policy": [
{
"text": "On... | [] |
I have experienced a debt collector call me several times in a day although they have already got the voice mail. Even if I already have spoke to them and told them my situation and created a " payment date, " they call again the next day. I do not know if the system is talking to each other or they just have that " au... | {
"entities": {
"testimony": [
{
"text": "I have experienced a debt collector call me several times in a day although they have already got the voice mail.",
"start": 0,
"end": 113
},
{
"text": "Even if I already have spoke to them and told them my situation and c... | [] |
I have already spoken with an attorney. This is how I found out about the separation of state and federal law. Because I was sued in state civil court is why my validation requests were ignored by the plaintiffs as well as the seating judge. What I should have done (in state court) was sent a' discovery' request AFTER ... | {
"entities": {
"testimony": [
{
"text": "I have already spoken with an attorney.",
"start": 0,
"end": 39
},
{
"text": "This is how I found out about the separation of state and federal law.",
"start": 40,
"end": 110
},
{
"text"... | [] |
I agree that there documentation should always be provided. Why would I pay a debt without absolute proof that it belongs to me? | {
"entities": {
"value": [
{
"text": "I agree that there documentation should always be provided.",
"start": 0,
"end": 59
},
{
"text": "Why would I pay a debt without absolute proof that it belongs to me?",
"start": 60,
"end": 128
}
]
}... | [] |
The first entity I will probably take to small claims court and possibly file a complaint with Kamala Harris. The second incident I started sending faxes messages in big bold letters to the same fax where my prior faxes had been lost, asking other workers to look to see if they had taken the papers by accident. I also ... | {
"entities": {
"testimony": [
{
"text": "The first entity I will probably take to small claims court and possibly file a complaint with Kamala Harris.",
"start": 0,
"end": 109
},
{
"text": "The second incident I started sending faxes messages in big bold letters ... | [] |
I like the Summary of Rights idea. I think that a validation letter and even an initial communication letter should included of Summary of Rights for State Laws and Fed Laws. This would help two fold: both the debtors/consumers and the debt collecting companies. The debtor/consumers would know their rights and the coll... | {
"entities": {
"value": [
{
"text": "I like the Summary of Rights idea.",
"start": 0,
"end": 34
},
{
"text": "This would help two fold: both the debtors/consumers and the debt collecting companies.",
"start": 175,
"end": 262
},
{
... | [] |
There should never be a fee for payment. In fact, in about 1/3 of the states have state laws that prohibit any fees/surcharges for payment by credit/debit cards (unless it is a government agency). if a debt collector accepts credit/debit cards for payment, there should not be any fees for payment processing. Nor should... | {
"entities": {
"policy": [
{
"text": "There should never be a fee for payment.",
"start": 0,
"end": 40
},
{
"text": "if a debt collector accepts credit/debit cards for payment, there should not be any fees for payment processing.",
"start": 197,
"... | [] |
When two parties engage in a lawsuit, each side presents the evidence they have supporting their assertions. As a collector, I provide proof of the debt The debtor is also expected to present some proof that the debt is not theirs. Yes, the assumption is innocent until proven guilty but you have to provide evidence to ... | {
"entities": {
"fact": [
{
"text": "When two parties engage in a lawsuit, each side presents the evidence they have supporting their assertions.",
"start": 0,
"end": 108
},
{
"text": "The debtor is also expected to present some proof that the debt is not theirs."... | [] |
Being in a court of law and talking to a debt collector on the phone that requires proof that the debt in question is not a valid debt, are two different things. If your intent is to sue, then sue. But requiring proof from anyone you call up and demand that they prove to you (and not a judge) that the debt is not their... | {
"entities": {
"fact": [
{
"text": "Being in a court of law and talking to a debt collector on the phone that requires proof that the debt in question is not a valid debt, are two different things.",
"start": 0,
"end": 161
}
],
"policy": [
{
"text": "If y... | [] |
If there already isn' t a law or rule at the fed level for when what happens to time barred debts when a debtor leaves the purview of one states SOL and now resides in another states SOL, there needs to be. It should be clear that if a debtor changes states, which SOL should come into play. | {
"entities": {
"policy": [
{
"text": "If there already isn' t a law or rule at the fed level for when what happens to time barred debts when a debtor leaves the purview of one states SOL and now resides in another states SOL, there needs to be.",
"start": 0,
"end": 206
},
... | [] |
I think there should be a fed law that should clearly state that any partial payment might revive the SOL for suit. How consumers get a phone call/letter telling them they have a debt and they just blindly pay it or make partial payments in order to just stop getting the phone calls? Lots. And the debt might not even b... | {
"entities": {
"policy": [
{
"text": "I think there should be a fed law that should clearly state that any partial payment might revive the SOL for suit.",
"start": 0,
"end": 115
}
],
"fact": [
{
"text": "How consumers get a phone call/letter telling them... | [] |
Actually there should always be more communication about specific things, rather than less. More communication from the Original Creditors that an account will be turned over to a collector and when. And when a debt collector then turns it over or sells to someone else there should be more communication about who. Just... | {
"entities": {
"policy": [
{
"text": "Actually there should always be more communication about specific things, rather than less.",
"start": 0,
"end": 91
},
{
"text": "More communication from the Original Creditors that an account will be turned over to a collect... | [] |
I once had a debt collector send collection letters to my work address. They had my home address. I think this should also be prohibited. Who gets personal mail sent to them at work? | {
"entities": {
"testimony": [
{
"text": "I once had a debt collector send collection letters to my work address.",
"start": 0,
"end": 71
},
{
"text": "They had my home address.",
"start": 72,
"end": 97
}
],
"policy": [
{
... | [] |
I keep getting collection calls for some unkown person on my cell phone at least 4 times a day. I have repeatedly told them that this is not that person' s number. I recently got a new number and it is so aggravating to monitor your calls because of someone else | {
"entities": {
"testimony": [
{
"text": "I keep getting collection calls for some unkown person on my cell phone at least 4 times a day.",
"start": 0,
"end": 95
},
{
"text": "I have repeatedly told them that this is not that person' s number.",
"start": 9... | [] |
The name of the agency is the CONSUMER Financial Protection Bureau not the Collector Financial Protection Bureau. The industry have their lobbyists and consumers have the CFPB. The goal is to protect consumers from illegal practices by certain industries and that sometimes means more regulations. | {
"entities": {
"fact": [
{
"text": "The name of the agency is the CONSUMER Financial Protection Bureau not the Collector Financial Protection Bureau.",
"start": 0,
"end": 113
},
{
"text": "The industry have their lobbyists",
"start": 114,
"end": 1... | [] |
A neighbor who has since moved away has had her debts turned over to collection agencies. We receive repeated calls trying to get contact information, even though we request to be taken off their list. An unfortunate situation but we don' t know the whereabouts of the individual and shouldn' t be subjected to this sort... | {
"entities": {
"testimony": [
{
"text": "A neighbor who has since moved away has had her debts turned over to collection agencies.",
"start": 0,
"end": 89
},
{
"text": "We receive repeated calls trying to get contact information, even though we request to be take... | [] |
I am a clerk at a local city court. I am the civil clerk and I feel that debtors are treated extremely unfairly by debt collection laws. The Court cannot give legal advice so it is saddening to have to try and explain and console upset litigants who have no idea what they are in for. I think there should be more avenue... | {
"entities": {
"testimony": [
{
"text": "I am a clerk at a local city court.",
"start": 0,
"end": 35
},
{
"text": "I am the civil clerk",
"start": 36,
"end": 56
},
{
"text": "BUT, I do have to say that I get many litigants who ... | [] |
To the first question, due diligence is a must. Even if collectors are allowed to continue litigation (which I do not see going away,) there must be a penalty for the collector if false claim is made. If a collector starts litigation and it is found to be against the wrong person, compensation and additional penalty sh... | {
"entities": {
"value": [
{
"text": "To the first question, due diligence is a must.",
"start": 0,
"end": 47
},
{
"text": "That would be a starting point that can be expanded on as the system is fine tuned.",
"start": 1244,
"end": 1327
},
... | [] |
I contacted the debt collection company and tried to make arrangements for payment of debt, the reason I could not pay my bills is my husband was laid off work and he had started a new job. I wanted to make payments of $100. a month, debt collectors said NO, so I said the most I could afford was $200 a month the said N... | {
"entities": {
"testimony": [
{
"text": "I contacted the debt collection company and tried to make arrangements for payment of debt,",
"start": 0,
"end": 91
},
{
"text": "the reason I could not pay my bills is my husband was laid off work and he had started a new... | [] |
I have received calls from debt collectors at 9: 30 pm, and I consider this rude. I have also had robocalls early in the morning that woke me up. I am 69 yrs old, and retired, and I sleep late. My health is not good at the moment, so sometimes I have had a bad night please, please don' t wake me up with a robocall. | {
"entities": {
"testimony": [
{
"text": "I have received calls from debt collectors at 9: 30 pm,",
"start": 0,
"end": 55
},
{
"text": "I have also had robocalls early in the morning that woke me up.",
"start": 82,
"end": 145
},
{
... | [] |
I do NOT answer any calls that have " unknown caller " or " unknown " in the ID. If you can' t show your name in the ID line, then something is not right with your company, or you have something to hide. Remember, YOU are calling ME, so in that sense, phone calls are an invasion of my privacy. I don' t have any obligat... | {
"entities": {
"testimony": [
{
"text": "I do NOT answer any calls that have \" unknown caller \" or \" unknown \" in the ID.",
"start": 0,
"end": 80
}
],
"value": [
{
"text": "If you can' t show your name in the ID line, then something is not right with ... | [] |
I absolutely hate robocalls, especially those that repeat constantly and relentlessly. There are some people who shirk their responsibilities, but there are also those who simply do not have money to pay out a debt. People lose their jobs, get laid off, get sick and can' t work, retire and try to make it from one month... | {
"entities": {
"value": [
{
"text": "I absolutely hate robocalls, especially those that repeat constantly and relentlessly.",
"start": 0,
"end": 86
},
{
"text": "They are not necessary and only serve to harass people.",
"start": 451,
"end": 506
... | [] |
I am on a Senior plan for my mobile phone and I get charged for each text that comes in or goes out. I am able to make/receive texts, but have to pay for each one... so it is not fair to make me pay extra on top of what I already owe. I am against using cell phones for business advertisements or debt collecting texts o... | {
"entities": {
"testimony": [
{
"text": "I am on a Senior plan for my mobile phone",
"start": 0,
"end": 41
},
{
"text": "and I get charged for each text that comes in or goes out.",
"start": 42,
"end": 100
},
{
"text": "I am ab... | [] |
I agree with Bonzarel. The obvious solution is to ban debt collection calls to cell phones, period. Not everybody has the same options on their mobile plans, and some have strict time/call/texting limits and/or restrictions. | {
"entities": {
"value": [
{
"text": "I agree with Bonzarel.",
"start": 0,
"end": 22
},
{
"text": "The obvious solution is to ban debt collection calls to cell phones, period.",
"start": 23,
"end": 99
}
],
"fact": [
{
"t... | [] |
Is it possible to just allow consumers to opt out of certain kinds of communication entirely? They could set transparent, limited rate increases which debt collectors could charge for each mode of communication that is eliminated. A rule setting that kind of rate increase would add some necessary transparency to the qu... | {
"entities": {
"value": [
{
"text": "Is it possible to just allow consumers to opt out of certain kinds of communication entirely?",
"start": 0,
"end": 93
},
{
"text": "A rule setting that kind of rate increase would add some necessary transparency to the questio... | [] |
I would like to see the time frame for validation change. I, as a consumer, have 30 days from the date of the letter to dispute the debt, however, the collection agency can take as long as they want, even years, to get back to the consumer. This practice is not only bad but some charge interest on the debt, even though... | {
"entities": {
"value": [
{
"text": "I would like to see the time frame for validation change.",
"start": 0,
"end": 57
},
{
"text": "This practice is not only bad",
"start": 241,
"end": 270
}
],
"fact": [
{
"text": "I, ... | [] |
Collection Agency' s' should be REQUIRED by law to show their phone number when calling a debtor. Most if not all come up " unknown ". If they are a legitimate company then they should have no problem showing their number. If I call them, and my number is blocked, I can' t get thru until I unblock my number. If they tr... | {
"entities": {
"policy": [
{
"text": "Collection Agency' s' should be REQUIRED by law to show their phone number when calling a debtor.",
"start": 0,
"end": 97
}
],
"fact": [
{
"text": "Most if not all come up \" unknown \".",
"start": 98,
... | [] |
Agreed. And it should be their real phone number. So that when you miss their phone call and try to call them back, it should go to the real company. And not say something like " the call can not be completed as dialed. " I mean, what is the point in that. Some debtors can' t get to their phone before it goes to the an... | {
"entities": {
"value": [
{
"text": "Agreed.",
"start": 0,
"end": 7
},
{
"text": "I mean, what is the point in that.",
"start": 222,
"end": 256
},
{
"text": "and if the collectors don' t leave a message, the debtor will try to ... | [] |
There' s no need to be rude about it. There are some debt collection practices that should obviously be illegal. Other things that people are discussing here are obviously matters of convenience. To the extent that preferences are widely shared and outright prohibition wouldn' t increase lending costs across the board ... | {
"entities": {
"value": [
{
"text": "There' s no need to be rude about it.",
"start": 0,
"end": 37
},
{
"text": "There are some debt collection practices that should obviously be illegal.",
"start": 38,
"end": 112
},
{
"text": ... | [] |
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