mneb/cdcp · Datasets at Hugging Face

tokens listlengths 13 548	entities listlengths 2 30	relations listlengths 0 16
[ "State", "and", "local", "court", "rules", "sometimes", "make", "default", "judgments", "much", "more", "likely", ".", "For", "example", ",", "when", "a", "person", "who", "allegedly", "owes", "a", "debt", "is", "told", "to", "come", "to", "court", "on", ...	[ { "id": 0, "text": "State and local court rules sometimes make default judgments much more likely.", "start": 0, "end": 13, "type": "value" }, { "id": 1, "text": "For example, when a person who allegedly owes a debt is told to come to court on a work day, they may be forced to choose...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" } ]
[ "There", "is", "currently", "a", "split", "between", "the", "Ninth", "and", "First", "Circuits", "as", "to", "whether", "1692i", "and", "other", "FDCPA", "provisions", "apply", "in", "garnishment", "proceedings", ".", "In", "many", "states", ",", "the", "nom...	[ { "id": 0, "text": "There is currently a split between the Ninth and First Circuits as to whether 1692i and other FDCPA provisions apply in garnishment proceedings.", "start": 0, "end": 24, "type": "fact" }, { "id": 1, "text": "In many states, the nominal defendant is the judgment de...	[ { "head": 3, "tail": 0, "type": "reason" } ]
[ "In", "many", "districts", "where", "bad", "check", "diversion", "programs", "exist", ",", "there", "is", "anecdotal", "evidence", "that", "the", "companies", "administering", "the", "programs", "threaten", "with", "prosecution", "individuals", "who", "do", "not",...	[ { "id": 0, "text": "In many districts where bad check diversion programs exist, there is anecdotal evidence that the companies administering the programs threaten with prosecution individuals who do not come within the state's bad check law", "start": 0, "end": 36, "type": "fact" }, { "i...	[ { "head": 2, "tail": 0, "type": "reason" } ]
[ "Consumer", "attorneys", "occasionally", "advise", "their", "clients", "not", "to", "record", "unlawful", "communications", "due", "to", "state", "laws", "requiring", "both", "parties", "'", "consent", "for", "recording", ".", "The", "CFPB", "should", "require", ...	[ { "id": 0, "text": "Consumer attorneys occasionally advise their clients not to record unlawful communications due to state laws requiring both parties' consent for recording.", "start": 0, "end": 23, "type": "fact" }, { "id": 1, "text": "The CFPB should require that debt collectors ...	[ { "head": 1, "tail": 0, "type": "reason" } ]
[ "When", "an", "attorney", "is", "a", "'", "Debt", "Collector", "'", "(", "as", "per", "their", "own", "documents", ")", "and", "not", "legally", "considered", "a", "'", "Collection", "Agency", "'", "the", "attorney", "is", "not", "held", "accountable", "...	[ { "id": 0, "text": "When an attorney is a 'Debt Collector' (as per their own documents) and not legally considered a 'Collection Agency' the attorney is not held accountable for consumer protection law violations (both local and federal) within civil court.", "start": 0, "end": 46, "type": "fact...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" }, { "head": 8, "tail": 9, "type": "reason" } ]
[ "There", "is", "currently", "dispute", "among", "federal", "district", "and", "circuit", "courts", "as", "to", "whether", "a", "post", "-", "default", "assignee", "of", "a", "debt", "comes", "within", "the", "creditor", "exception", ".", "The", "CFPB", "shou...	[ { "id": 0, "text": "There is currently dispute among federal district and circuit courts as to whether a post-default assignee of a debt comes within the creditor exception.", "start": 0, "end": 27, "type": "fact" }, { "id": 1, "text": "The CFPB should issue a rule providing that a p...	[ { "head": 1, "tail": 0, "type": "reason" } ]
[ "The", "FDCPA", "contains", "an", "exception", "for", "creditors", ".", "The", "CFPB", "should", "include", "in", "any", "rule", "confirmation", "that", "the", "same", "practices", "prohibited", "for", "collectors", "under", "the", "FDCPA", "would", "be", "unf...	[ { "id": 0, "text": "The FDCPA contains an exception for creditors.", "start": 0, "end": 8, "type": "fact" }, { "id": 1, "text": "The CFPB should include in any rule confirmation that the same practices prohibited for collectors under the FDCPA would be unfair, deceptive, or abusive a...	[ { "head": 1, "tail": 0, "type": "reason" } ]
[ "Assignments", "without", "notice", "could", "lead", "to", "consumers", "paying", "the", "wrong", "person", ".", "The", "CFPB", "should", "encourage", "proper", "notice", "by", "ruling", "that", "a", "payment", "made", "to", "either", "of", "the", "assignee", ...	[ { "id": 0, "text": "Assignments without notice could lead to consumers paying the wrong person.", "start": 0, "end": 12, "type": "value" }, { "id": 1, "text": "The CFPB should encourage proper notice by ruling that a payment made to either of the assignee or the assignor reduces the ...	[ { "head": 1, "tail": 0, "type": "reason" } ]
[ "The", "original", "creditor", "has", "information", "about", "the", "debtor", "'", "s", "language", ";", "ii", ")", "The", "collector", "obtains", "information", "about", "the", "debtor", "'", "s", "language", ";", "", "or", "", "iii", ")", "The", "de...	[ { "id": 0, "text": "The original creditor has information about the debtor's language;", "start": 0, "end": 12, "type": "value" }, { "id": 1, "text": "ii) The collector obtains information about the debtor's language; or", "start": 12, "end": 28, "type": "value" }, ...	[]
[ "I", "work", "at", "a", "private", "university", "and", "we", "do", "not", "sue", "for", "collections", ".", "Since", "the", "debt", "can", "be", "reported", "to", "the", "credit", "bureau", "for", "7", "years", ",", "we", "like", "to", "keep", "our", ...	[ { "id": 0, "text": "I work at a private university", "start": 0, "end": 6, "type": "testimony" }, { "id": 1, "text": "and we do not sue for collections.", "start": 6, "end": 14, "type": "testimony" }, { "id": 2, "text": "Since the debt can be reported to the c...	[ { "head": 3, "tail": 2, "type": "reason" } ]
[ "I", "received", "a", "bill", "from", "an", "attorneys", "office", "regarding", "a", "bill", "I", "did", "not", "think", "that", "was", "mine", ".", "I", "sent", "a", "certified", "return", "receipt", "request", "for", "validation", "but", "never", "receiv...	[ { "id": 0, "text": "I received a bill from an attorneys office regarding a bill I did not think that was mine.", "start": 0, "end": 19, "type": "testimony" }, { "id": 1, "text": "I sent a certified return receipt request for validation but never received a response.", "start": 19...	[ { "head": 2, "tail": 1, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" }, { "head": 10, "tail": 11, "type": "reason" }, { "head": 16, "tail": 15, "type": "reason" } ]
[ "I", "'", "m", "aware", "of", "that", ",", "but", "I", "don", "'", "t", "think", "many", "appellate", "courts", "have", "considered", "the", "issue", ".", "To", "confirm", "that", "it", "'", "s", "the", "law", ",", "it", "should", "be", "included", ...	[ { "id": 0, "text": "I'm aware of that,", "start": 0, "end": 7, "type": "value" }, { "id": 1, "text": "but I don't think many appellate courts have considered the issue.", "start": 7, "end": 21, "type": "value" }, { "id": 2, "text": "To confirm that it's the la...	[ { "head": 2, "tail": 1, "type": "reason" } ]
[ "I", "do", "NOT", "owe", "any", "debt", "but", "have", "a", "COMMON", "FIRST", "and", "LAST", "NAME", ".", "My", "Constitutional", "rights", "are", "violated", "every", "time", "a", "lawyer", "fails", "to", "perform", "due", "diligence", ",", "per", "rul...	[ { "id": 0, "text": "I do NOT owe any debt but have a COMMON FIRST and LAST NAME.", "start": 0, "end": 15, "type": "testimony" }, { "id": 1, "text": "My Constitutional rights are violated every time a lawyer fails to perform due diligence, per rule 137, BEFORE SIGNING and FILING COURT...	[ { "head": 1, "tail": 0, "type": "reason" } ]
[ "Allow", "the", "States", "and", "/", "or", "local", "courts", "administer", "lawsuits", ".", "Regardless", "of", "any", "added", "rules", ",", "documents", ",", "etc", ".", "none", "will", "help", "increase", "debtors", "attending", "hearings", ".", "Since"...	[ { "id": 0, "text": "Allow the States and/or local courts administer lawsuits.", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "Regardless of any added rules, documents, etc. none will help increase debtors attending hearings.", "start": 11, "end": 29, "typ...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" } ]
[ "No", "federal", "rules", ".", "Allow", "States", "continued", "enforcement", "of", "their", "state", "laws", "." ]	[ { "id": 0, "text": "No federal rules.", "start": 0, "end": 4, "type": "policy" }, { "id": 1, "text": "Allow States continued enforcement of their state laws.", "start": 4, "end": 13, "type": "policy" } ]	[]
[ "Maybe", "I", "missed", "something", "but", "I", "never", "received", "any", "notice", "from", "my", "original", "mortgage", "lender", "that", "my", "mortgage", "was", "sold", ".", "Maybe", "that", "is", "better", "since", "the", "new", "\"", "owner", "\""...	[ { "id": 0, "text": "Maybe I missed something", "start": 0, "end": 4, "type": "value" }, { "id": 1, "text": "but I never received any notice from my original mortgage lender that my mortgage was sold.", "start": 4, "end": 21, "type": "testimony" }, { "id": 2, "...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" } ]
[ "Assuming", "debtors", "have", "a", "valid", "address", ",", "which", "is", "some", "cases", "they", "do", "not", ",", "additional", "notice", "that", "the", "debt", "is", "being", "assigned", "to", "a", "third", "party", "collection", "entity", "is", "no"...	[ { "id": 0, "text": "Assuming debtors have a valid address, which is some cases they do not,", "start": 0, "end": 15, "type": "fact" }, { "id": 1, "text": "additional notice that the debt is being assigned to a third party collection entity is no benefit.", "start": 15, "end":...	[ { "head": 0, "tail": 2, "type": "reason" } ]
[ "Suspend", "further", "action", "to", "collect", "or", "re", "-", "sell", ".", "Placing", "a", "rule", "that", "prohibits", "a", "collector", "from", "reporting", "information", "to", "a", "CRA", "during", "the", "30", "day", "window", "would", "be", "a", ...	[ { "id": 0, "text": "Suspend further action to collect or re-sell.", "start": 0, "end": 10, "type": "policy" }, { "id": 1, "text": "Placing a rule that prohibits a collector from reporting information to a CRA during the 30 day window would be a nightmare from elm street and only caus...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "No", ",", "it", "is", "not", "even", "clear", "who", "a", "debt", "collector", "is", ",", "particularly", "under", "CA", "law", ".", "The", "person", "sending", "the", "validating", "notice", "is", "typically", "a", "debt", "collector", ".", "This", "ju...	[ { "id": 0, "text": "No, it is not even clear who a debt collector is, particularly under CA law.", "start": 0, "end": 18, "type": "value" }, { "id": 1, "text": "The person sending the validating notice is typically a debt collector.", "start": 18, "end": 30, "type": "fact...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "CA", "has", "already", "made", "great", "strides", "as", "to", "debt", "buyers", ".", "This", "should", "be", "the", "rule", "for", "all", "collectors", ":", "that", "when", "they", "file", ",", "they", "must", "produce", "properly", "authenticated", "bac...	[ { "id": 0, "text": "CA has already made great strides as to debt buyers.", "start": 0, "end": 11, "type": "value" }, { "id": 1, "text": "This should be the rule for all collectors: that when they file, they must produce properly authenticated backing for the debt sued upon.", "st...	[]
[ "There", "should", "be", "no", "option", "to", "attempt", "to", "verify", "the", "debt", ".", "Attempts", "should", "always", "be", "required", "and", "if", "verification", "is", "not", "made", ",", "the", "debt", "cannot", "be", "further", "transferred", ...	[ { "id": 0, "text": "There should be no option to attempt to verify the debt.", "start": 0, "end": 12, "type": "policy" }, { "id": 1, "text": "Attempts should always be required", "start": 12, "end": 17, "type": "policy" }, { "id": 2, "text": "and if verificati...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "FDCPA", "should", "define", "what", "constitutes", "reasonable", "period", "of", "time", ".", "In", "my", "experience", "most", "attorneys", "who", "represent", "a", "debtor", "do", "not", "return", "communication", "inquiries", "about", "representation", ".", ...	[ { "id": 0, "text": "FDCPA should define what constitutes reasonable period of time.", "start": 0, "end": 10, "type": "policy" }, { "id": 1, "text": "In my experience most attorneys who represent a debtor do not return communication inquiries about representation.", "start": 10, ...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" } ]
[ "Collectors", "are", "responsible", "for", "re", "-", "establishing", "contact", "with", "delinquent", "customers", "and", "providing", "services", "that", "facilitate", "repayment", "of", "the", "loans", ",", "regardless", "of", "the", "technology", "utilized", "...	[ { "id": 0, "text": "Collectors are responsible for re-establishing contact with delinquent customers and providing services that facilitate repayment of the loans, regardless of the technology utilized.", "start": 0, "end": 27, "type": "value" }, { "id": 1, "text": "In Collections, a...	[ { "head": 6, "tail": 7, "type": "reason" }, { "head": 9, "tail": 10, "type": "reason" }, { "head": 9, "tail": 11, "type": "reason" }, { "head": 9, "tail": 12, "type": "reason" } ]
[ "They", "can", "'", "t", "be", "sued", "on", "in", "court", "and", "communications", "should", "reflect", "that", ".", "I", "have", "found", "that", "persons", "who", "buy", "old", "debts", "are", "not", "competent", "and", "rely", "on", "software", "and...	[ { "id": 0, "text": "They can't be sued on in court", "start": 0, "end": 9, "type": "fact" }, { "id": 1, "text": "and communications should reflect that.", "start": 9, "end": 15, "type": "policy" }, { "id": 2, "text": "I have found that persons who buy old debt...	[ { "head": 3, "tail": 2, "type": "reason" } ]
[ "First", ",", "I", "have", "learned", "there", "is", "a", "significant", "legal", "difference", "between", "1", ")", "identify", "theft", ",", "2", ")", "mistaken", "identity", "(", "see", "contract", "law", "Furthermore", ",", "that", "these", "three", "w...	[ { "id": 0, "text": "First, I have learned there is a significant legal difference between 1) identify theft, 2) mistaken identity (see contract law", "start": 0, "end": 25, "type": "testimony" }, { "id": 1, "text": "Furthermore, that these three words need to be separated, clarified ...	[ { "head": 3, "tail": 2, "type": "reason" } ]
[ "I", "would", "suggest", "a", "review", "of", "the", "language", "already", "published", "in", "the", "Federal", "Rules", "of", "Bankruptcy", "BR", "3001", "(", "effective", "date", "12", "/", "1", "/", "2012", ")", "relating", "to", "documentation", ".", ...	[ { "id": 0, "text": "I would suggest a review of the language already published in the Federal Rules of Bankruptcy BR 3001( effective date 12/1/2012) relating to documentation.", "start": 0, "end": 31, "type": "policy" }, { "id": 1, "text": "Based upon my participation with the Rule a...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "I", "would", "suggest", "a", "visit", "to", "the", "Federal", "Bankruptcy", "Rule", "3001", "(", "effective", "12", "/", "1", "/", "2012", ")", "and", "comments", "made", "during", "the", "proposed", "period", ",", "plus", "the", "hearing", "presentation"...	[ { "id": 0, "text": "I would suggest a visit to the Federal Bankruptcy Rule 3001(effective 12/1/2012) and comments made during the proposed period, plus the hearing presentation statements published and are available.", "start": 0, "end": 37, "type": "policy" }, { "id": 1, "text": "Th...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "As", "a", "creditor", "collecting", "my", "own", "debt", ",", "I", "assert", "that", "by", "the", "time", "I", "move", "to", "litgation", ",", "I", "'", "ve", "exhausted", "all", "other", "forms", "of", "collection", ".", "I", "'", "ve", "talked", "...	[ { "id": 0, "text": "As a creditor collecting my own debt, I assert that by the time I move to litgation, I've exhausted all other forms of collection.", "start": 0, "end": 29, "type": "testimony" }, { "id": 1, "text": "I've talked to, emailed, and snail mailed the debtor.", "star...	[ { "head": 3, "tail": 0, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" } ]
[ "Debt", "collectors", "continuously", "resell", "the", "debt", "to", "other", "debt", "collectors", "who", "start", "the", "clock", "all", "over", "again", ".", "Then", "that", "debt", "collector", "resells", "the", "debt", "and", "the", "3rd", "debt", "coll...	[ { "id": 0, "text": "Debt collectors continuously resell the debt to other debt collectors who start the clock all over again.", "start": 0, "end": 18, "type": "fact" }, { "id": 1, "text": "Then that debt collector resells the debt", "start": 18, "end": 25, "type": "fact" ...	[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 3, "tail": 5, "type": "reason" }, { "head": 6, "tail": 3, "type": "reason" }, { "head": 9, "tail": 7, "type": "reason" }, { "head": 9, "tail": 8, "type": "reason" } ]
[ "I", "do", "not", "believe", "that", "it", "is", "\"", "just", "\"", "to", "allow", "a", "third", "party", "to", "buy", "a", "past", "due", "debt", "and", "sue", "for", "the", "entire", "balance", ",", "plus", "attorney", "fees", ",", "court", "costs...	[ { "id": 0, "text": "I do not believe that it is \"just\" to allow a third party to buy a past due debt and sue for the entire balance, plus attorney fees, court costs, and other fees associated with \"mediators or arbitrators\".", "start": 0, "end": 46, "type": "value" }, { "id": 1, ...	[ { "head": 1, "tail": 0, "type": "reason" }, { "head": 6, "tail": 8, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" } ]
[ "In", "most", "states", "all", "that", "a", "debt", "collection", "law", "office", "needs", "to", "provide", "is", "a", "complaint", ".", "The", "average", "consumer", "has", "no", "idea", "what", "the", "difference", "is", "between", "a", "balance", "and"...	[ { "id": 0, "text": "In most states all that a debt collection law office needs to provide is a complaint.", "start": 0, "end": 17, "type": "fact" }, { "id": 1, "text": "The average consumer has no idea what the difference is between a balance and a sum.", "start": 17, "end": ...	[]
[ "If", "the", "consumer", "claims", "identity", "theft", "then", "the", "Debt", "collectors", "should", "be", "required", "to", "prove", "otherwise", ".", "The", "CRAs", "should", "be", "forbidden", "to", "report", "any", "debt", "that", "has", "been", "dispu...	[ { "id": 0, "text": "If the consumer claims identity theft then the Debt collectors should be required to prove otherwise.", "start": 0, "end": 17, "type": "policy" }, { "id": 1, "text": "The CRAs should be forbidden to report any debt that has been disputed as Identity theft unless t...	[]
[ "I", "have", "been", "contacted", "about", "a", "collection", "agency", "that", "stated", "that", "an", "old", "prescription", "charge", "was", "unpaid", ".", "The", "total", "was", "like", "$", "1500", ".", "When", "I", "asked", "for", "proof", ",", "I"...	[ { "id": 0, "text": "I have been contacted about a collection agency that stated that an old prescription charge was unpaid.", "start": 0, "end": 18, "type": "testimony" }, { "id": 1, "text": "The total was like $1500.", "start": 18, "end": 25, "type": "testimony" }, {...	[ { "head": 5, "tail": 0, "type": "reason" }, { "head": 5, "tail": 1, "type": "reason" }, { "head": 5, "tail": 2, "type": "reason" }, { "head": 5, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" }, { "head": 7,...
[ "Agree", "with", "RBell", ".", "Delinquent", "borrowers", "already", "almost", "always", "know", "they", "'", "re", "delinquent", "so", "further", "notices", "are", "not", "productive", ".", "When", "notices", "are", "provided", "they", "should", "include", "t...	[ { "id": 0, "text": "Agree with RBell.", "start": 0, "end": 4, "type": "value" }, { "id": 1, "text": "Delinquent borrowers already almost always know they're delinquent", "start": 4, "end": 14, "type": "value" }, { "id": 2, "text": "so further notices are not p...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 1, "type": "reason" } ]
[ "Debt", "collectors", "should", "not", "be", "permitted", "to", "harass", "a", "debtor", "'", "s", "ex", "-", "spouse", "by", "repeatedly", "calling", "the", "ex", "-", "spouse", ".", "Debt", "collectors", "are", "known", "to", "use", "the", "old", "phon...	[ { "id": 0, "text": "Debt collectors should not be permitted to harass a debtor's ex-spouse by repeatedly calling the ex-spouse.", "start": 0, "end": 23, "type": "policy" }, { "id": 1, "text": "Debt collectors are known to use the old phone number of the debtor that now belongs to the...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 4, "tail": 0, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" } ]
[ "Why", "should", ",", "an", "agency", "have", "to", "mail", "a", "letter", "to", "the", "consumer", "who", "requested", "not", "to", "be", "called", "?", "They", "most", "likely", "won", "'", "t", "read", "it" ]	[ { "id": 0, "text": "Why should, an agency have to mail a letter to the consumer who requested not to be called?", "start": 0, "end": 20, "type": "value" }, { "id": 1, "text": "They most likely won't read it", "start": 20, "end": 28, "type": "value" } ]	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "I", "don", "'", "t", "think", "the", "consumer", "should", "have", "the", "options", "as", "to", "when", "and", "how", "they", "are", "called", ".", "Most", "collection", "agency", "'", "s", "today", "would", "remove", "a", "consumers", "phone", "number...	[ { "id": 0, "text": "I don't think the consumer should have the options as to when and how they are called.", "start": 0, "end": 20, "type": "value" }, { "id": 1, "text": "Most collection agency's today would remove a consumers phone number hen asked.", "start": 20, "end": 35,...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "banks", "can", "simply", "add", "this", "provision", "to", "their", "Loan", "Sale", "Agreements", ".", "All", "buyers", "executing", "a", "Loan", "Sale", "Agreement", "containing", "such", "a", "provision", "would", "be", "contractually", "obligated", "to", "...	[ { "id": 0, "text": "banks can simply add this provision to their Loan Sale Agreements.", "start": 0, "end": 12, "type": "fact" }, { "id": 1, "text": "All buyers executing a Loan Sale Agreement containing such a provision would be contractually obligated to refrain from litigating or ...	[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" } ]
[ "I", "think", "it", "should", "be", "illegal", "or", "miss", "leading", "for", "a", "agency", "to", "change", "its", "caller", "id", ".", "You", "could", "easily", "look", "up", "a", "relatives", "number", "and", "use", "that", ".", "There", "should", ...	[ { "id": 0, "text": "I think it should be illegal or miss leading for a agency to change its caller id.", "start": 0, "end": 18, "type": "policy" }, { "id": 1, "text": "You could easily look up a relatives number and use that.", "start": 18, "end": 30, "type": "value" },...	[]
[ "I", "don", "'", "t", "think", "it", "matters", "whether", "a", "collector", "used", "a", "alias", "or", "not", ".", "It", "'", "s", "just", "a", "name", ".", "If", "it", "is", "used", "constantly" ]	[ { "id": 0, "text": "I don't think it matters whether a collector used a alias or not.", "start": 0, "end": 16, "type": "value" }, { "id": 1, "text": "It's just a name. If it is used constantly", "start": 16, "end": 28, "type": "value" } ]	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "I", "don", "'", "t", "know", "if", "technology", "allows", "collectors", "to", "distinguish", "land", "lines", "from", "cell", "phones", ".", "It", "is", "fair", "for", "collectors", "to", "use", "info", "provided", "on", "the", "application", "for", "cre...	[ { "id": 0, "text": "I don't know if technology allows collectors to distinguish land lines from cell phones.", "start": 0, "end": 17, "type": "fact" }, { "id": 1, "text": "It is fair for collectors to use info provided on the application for credit.", "start": 17, "end": 32, ...	[ { "head": 5, "tail": 6, "type": "reason" } ]
[ "A", "debt", "collector", "did", "not", "litigate", "a", "credit", "card", "debt", ",", "but", "summarily", "garnished", "our", "joint", "checking", "account", ".", "It", "was", "two", "weeks", "later", "that", "notification", "was", "received", "from", "the...	[ { "id": 0, "text": "A debt collector did not litigate a credit card debt, but summarily garnished our joint checking account.", "start": 0, "end": 19, "type": "testimony" }, { "id": 1, "text": "It was two weeks later that notification was received from the debt collector.", "star...	[ { "head": 3, "tail": 0, "type": "reason" }, { "head": 3, "tail": 1, "type": "reason" }, { "head": 3, "tail": 2, "type": "reason" } ]
[ "In", "theory", "this", "seems", "like", "a", "reasonable", "policy", ",", "but", "how", "can", "collectors", "know", "where", "a", "debtor", "is", "if", "they", "are", "calling", "his", "or", "her", "cell", "phone", "?", "Knowingly", "calling", "third", ...	[ { "id": 0, "text": "In theory this seems like a reasonable policy,", "start": 0, "end": 9, "type": "value" }, { "id": 1, "text": "but how can collectors know where a debtor is if they are calling his or her cell phone?", "start": 9, "end": 28, "type": "value" }, { ...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 2, "tail": 4, "type": "reason" }, { "head": 2, "tail": 5, "type": "reason" }, { "head": 3, "tail": 4, "type": "reason" }, { "head": 3, "tail": 5, "type": "reason" } ]
[ "As", "a", "consumer", "I", "should", "receive", "a", "notice", "or", "some", "type", "of", "warning", "that", "the", "debt", "will", "be", "turned", "over", "to", "a", "collector", ".", "And", "when", "there", "are", "a", "change", "in", "debt", "coll...	[ { "id": 0, "text": "As a consumer I should receive a notice or some type of warning that the debt will be turned over to a collector.", "start": 0, "end": 24, "type": "policy" }, { "id": 1, "text": "And when there are a change in debt collectors, the consumer should be notified.", ...	[]
[ "Debtors", "should", "be", "able", "to", "leave", "a", "message", "for", "a", "specific", "debtor", ",", "the", "name", "of", "their", "company", "and", "request", "a", "call", "-", "back", "at", "a", "specified", "number", ".", "When", "a", "consumer", ...	[ { "id": 0, "text": "Debtors should be able to leave a message for a specific debtor, the name of their company and request a call-back at a specified number.", "start": 0, "end": 29, "type": "policy" }, { "id": 1, "text": "When a consumer returns this type of call, the collector or d...	[ { "head": 2, "tail": 3, "type": "reason" } ]
[ "Calling", "a", "debtor", "at", "work", "is", "counter", "-", "intuitive", ";", "if", "collectors", "are", "continuously", "calling", "someone", "at", "work", ",", "other", "employees", "may", "report", "it", "to", "the", "debtor", "'", "s", "supervisor", ...	[ { "id": 0, "text": "Calling a debtor at work is counter-intuitive;", "start": 0, "end": 10, "type": "value" }, { "id": 1, "text": "if collectors are continuously calling someone at work, other employees may report it to the debtor's supervisor.", "start": 10, "end": 31, "...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" }, { "head": 3, "tail": 2, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" } ]
[ "Blocking", "caller", "ID", "information", "is", "disingenuous", "to", "say", "the", "least", ".", "Most", "consumers", "won", "'", "t", "respond", "to", "blocked", "numbers", "or", "ID", "'", "s", "anyway", ".", "Collectors", "should", "be", "required", "...	[ { "id": 0, "text": "Blocking caller ID information is disingenuous to say the least.", "start": 0, "end": 11, "type": "value" }, { "id": 1, "text": "Most consumers won't respond to blocked numbers or ID's anyway.", "start": 11, "end": 26, "type": "value" }, { "id"...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" }, { "head": 2, "tail": 4, "type": "reason" }, { "head": 4, "tail": 3, "type": "reason" } ]
[ "Consumers", "should", "not", "incur", "additional", "costs", "for", "cell", "phone", "calls", ",", "texting", "or", "voice", "messaging", "in", "relation", "to", "collections", ".", "The", "more", "costs", "assessed", "to", "a", "debtor", ",", "the", "less"...	[ { "id": 0, "text": "Consumers should not incur additional costs for cell phone calls, texting or voice messaging in relation to collections.", "start": 0, "end": 20, "type": "policy" }, { "id": 1, "text": "The more costs assessed to a debtor, the less money they have to pay their cre...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" } ]
[ "There", "should", "be", "a", "monetary", "\"", "floor", "\"", "required", "before", "debt", "collectors", "can", "pursue", "uncollected", "debts", "in", "court", ".", "The", "idea", "that", "corporations", "that", "already", "charge", "puninshing", "interest", ...	[ { "id": 0, "text": "There should be a monetary \"floor\" required before debt collectors can pursue uncollected debts in court.", "start": 0, "end": 19, "type": "policy" }, { "id": 1, "text": "The idea that corporations that already charge puninshing interest rates and fees can clog ...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 2, "tail": 1, "type": "reason" }, { "head": 2, "tail": 3, "type": "reason" } ]
[ "Identity", "Theft", "Tops", "List", "for", "13th", "Consecutive", "Year", "in", "Report", "of", "National", "Consumer", "Complaints", "__URL__" ]	[ { "id": 0, "text": "Identity Theft Tops List for 13th Consecutive Year in Report of National Consumer Complaints", "start": 0, "end": 14, "type": "fact" }, { "id": 1, "text": "__URL__", "start": 14, "end": 15, "type": "reference" } ]	[ { "head": 0, "tail": 1, "type": "evidence" } ]
[ "Consumers", "should", "be", "made", "aware", "of", "sale", "or", "transfer", "of", "their", "debts", ".", "From", "whom", "to", "whom", "along", "with", "effective", "dates", "and", "contact", "info", "for", "the", "creditor", "and", "the", "new", "owner"...	[ { "id": 0, "text": "Consumers should be made aware of sale or transfer of their debts.", "start": 0, "end": 13, "type": "policy" }, { "id": 1, "text": "From whom to whom along with effective dates and contact info for the creditor and the new owner of the debt.", "start": 13, ...	[]
[ "Notifying", "consumers", "of", "the", "sale", "of", "their", "debts", "and", "related", "details", "would", "help", "consumers", "with", "identifying", "who", "is", "contacting", "them", "about", "a", "debt", ";", "there", "are", "robo", "calls", "about", "...	[ { "id": 0, "text": "Notifying consumers of the sale of their debts and related details would help consumers with identifying who is contacting them about a debt;", "start": 0, "end": 24, "type": "value" }, { "id": 1, "text": "there are robo calls about lowering your credit card inter...	[]
[ "Consumers", "should", "be", "aware", "of", "who", "is", "handling", "collection", "procedures", ".", "The", "seller", "of", "any", "consumer", "debt", "should", "be", "required", "to", "notify", "the", "debtor", "of", "which", "debt", "owed", "to", "which",...	[ { "id": 0, "text": "Consumers should be aware of who is handling collection procedures.", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "The seller of any consumer debt should be required to notify the debtor of which debt owed to which creditor, is being sold by xyz ...	[ { "head": 1, "tail": 0, "type": "reason" } ]
[ "A", "notice", "should", "go", "out", "that", "the", "debt", "has", "been", "sold", "because", "it", "definitely", "informs", "the", "consumer", "in", "how", "they", "should", "go", "about", "negotiating", "repayment", "of", "the", "debt", ".", "When", "th...	[ { "id": 0, "text": "A notice should go out that the debt has been sold", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "because it definitely informs the consumer in how they should go about negotiating repayment of the debt.", "start": 11, "end": 29, "typ...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 6, "tail": 5, "type": "reason" }, { "head": 7, "tail": 5, "type": "reason" } ]
[ "Consumer", "owing", "the", "debt", "should", "be", "contacted", "about", "any", "third", "party", "offer", "to", "pay", "their", "debt", ".", "Anyone", "paying", "debt", "for", "someone", "else", "should", "be", "required", "to", "provide", "their", "identi...	[ { "id": 0, "text": "Consumer owing the debt should be contacted about any third party offer to pay their debt.", "start": 0, "end": 17, "type": "policy" }, { "id": 1, "text": "Anyone paying debt for someone else should be required to provide their identity to the creditor and debtor....	[]
[ "A", "separate", "\"", "summary", "of", "rights", "\"", "should", "be", "sent", "to", ",", "and", "made", "available", ",", "to", "consumers", ".", "We", "are", "woefully", "uninformed", "and", "misinformed", "about", "our", "rights", "as", "consumers", ";...	[ { "id": 0, "text": "A separate \"summary of rights\" should be sent to, and made available, to consumers.", "start": 0, "end": 19, "type": "policy" }, { "id": 1, "text": "We are woefully uninformed and misinformed about our rights as consumers; what avenues of negotiation we can purs...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "This", "kind", "of", "thing", "is", "likely", "determined", "by", "family", "court", "law", "in", "the", "jurisdiction", "where", "the", "debtor", "lives", ".", "Community", "property", "law", ",", "divorce", "or", "separation", "agreements", "and", "issues",...	[ { "id": 0, "text": "This kind of thing is likely determined by family court law in the jurisdiction where the debtor lives.", "start": 0, "end": 19, "type": "value" }, { "id": 1, "text": "Community property law, divorce or separation agreements and issues of domestic violence laws al...	[]
[ "Some", "people", "are", "concerned", "that", "collectors", "don", "'", "t", "do", "much", "more", "than", "doublecheck", "that", "the", "amount", "in", "the", "validation", "notice", "is", "what", "the", "creditor", "says", "the", "consumer", "owes", ".", ...	[ { "id": 0, "text": "Some people are concerned that collectors don't do much more than doublecheck that the amount in the validation notice is what the creditor says the consumer owes.", "start": 0, "end": 30, "type": "value" }, { "id": 1, "text": "THAT'S ALL THEY DO.", "start": 3...	[ { "head": 2, "tail": 3, "type": "evidence" }, { "head": 4, "tail": 5, "type": "reason" }, { "head": 4, "tail": 6, "type": "reason" }, { "head": 4, "tail": 7, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" }, { "head": ...
[ "Just", "like", "mortgage", "servicers", "are", "required", "to", "send", "\"", "goodbye", "letters", "\"", "(", "a", "notification", "of", "when", "loan", "has", "been", "sold", ")", "and", "\"", "hello", "letters", "\"", "(", "a", "notification", "of", ...	[ { "id": 0, "text": "Just like mortgage servicers are required to send \"goodbye letters\" (a notification of when loan has been sold) and \"hello letters\" (a notification of when another company is buying a debt), so also should debt collectors.", "start": 0, "end": 46, "type": "policy" }, ...	[ { "head": 2, "tail": 3, "type": "reason" } ]
[ "I", "should", "know", "if", "a", "debt", "is", "time", "-", "barred", ",", "so", "that", "I", "can", "make", "an", "informed", "decision", "regarding", "the", "debt", "in", "question", ".", "The", "information", "should", "be", "in", "the", "validation"...	[ { "id": 0, "text": "I should know if a debt is time-barred,", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "so that I can make an informed decision regarding the debt in question.", "start": 11, "end": 25, "type": "value" }, { "id": 2, "text":...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" } ]
[ "It", "has", "been", "my", "experience", "that", "practices", "can", "vary", "greatly", "between", "various", "creditors", "who", "find", "it", "necessary", "to", "turn", "delinquent", "or", "defaulted", "debt", "over", "to", "a", "collection", "agnency", ".",...	[ { "id": 0, "text": "It has been my experience that practices can vary greatly between various creditors who find it necessary to turn delinquent or defaulted debt over to a collection agnency.", "start": 0, "end": 29, "type": "testimony" }, { "id": 1, "text": "In my situation, little...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 2, "tail": 5, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" } ]
[ "Debt", "Collection", "companies", "get", "a", "very", "unfair", "debt", "negotiation", "advantage", "against", "an", "alleged", "defaulter", "when", "they", "hire", "an", "unscrupulous", "service", "company", "that", "has", "lied", "about", "giving", "a", "prop...	[ { "id": 0, "text": "Debt Collection companies get a very unfair debt negotiation advantage against an alleged defaulter when they hire an unscrupulous service company that has lied about giving a proper service or subservice to the alleged debtor's residence.", "start": 0, "end": 39, "type": "va...	[]
[ "If", "I", "have", "been", "falsely", "served", "or", "subserved", ",", "(", "the", "making", "up", "of", "a", "person", "who", "does", "not", "exist", "to", "claim", "a", "service", ",", "or", "simply", "stating", "\"", "Jane", "Doe", "\"", "received"...	[ { "id": 0, "text": "If I have been falsely served or subserved, (the making up of a person who does not exist to claim a service, or simply stating \"Jane Doe\" received the service) and the judges don't care, and the debt collection companies don't care, I should have the right to file an errors and omissi...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" } ]
[ "I", "also", "find", "the", "assertion", "that", "INVOLUNTARY", "DEFAULTERS", "don", "'", "t", "put", "up", "a", "legal", "defense", "because", "they", "are", "afraid", "or", "have", "a", "lack", "of", "knowledge", "about", "the", "legal", "system", "to", ...	[ { "id": 0, "text": "I also find the assertion that INVOLUNTARY DEFAULTERS don't put up a legal defense because they are afraid or have a lack of knowledge about the legal system to be outrageous.", "start": 0, "end": 34, "type": "value" }, { "id": 1, "text": "Strategic Defaulters sav...	[ { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 8, "tail": 9, "type": "reason" }, { "head": 10, "tail": 9, "type": "reason" } ]
[ "Possibly", "the", "most", "egregious", "action", "of", "all", "regarding", "credit", "card", "debt", "occurred", "in", "2002", ",", "suspiciously", "close", "to", "the", "911", "aftermath", ".", "While", "insurance", "companies", "were", "paying", "out", "ten...	[ { "id": 0, "text": "Possibly the most egregious action of all regarding credit card debt occurred in 2002, suspiciously close to the 911 aftermath.", "start": 0, "end": 22, "type": "value" }, { "id": 1, "text": "While insurance companies were paying out tens of millions of dollars to...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" }, { "head": 10, "tail": 9, "type": "reason" }, { "head": 15, "tail": 16, "type": "reason" } ]
[ "I", "have", "a", "common", "last", "name", ",", "and", "for", "about", "three", "years", "I", "was", "bombarded", "with", "collection", "calls", "for", "other", "individuals", "with", "my", "last", "name", "and", "first", "initial", ".", "I", "finally", ...	[ { "id": 0, "text": "I have a common last name,", "start": 0, "end": 7, "type": "testimony" }, { "id": 1, "text": "and for about three years I was bombarded with collection calls for other individuals with my last name and first initial.", "start": 7, "end": 29, "type": "t...	[ { "head": 1, "tail": 0, "type": "reason" }, { "head": 12, "tail": 11, "type": "reason" } ]
[ "As", "a", "mortgage", "lender", "for", "an", "FDIC", "-", "insured", "bank", ",", "I", "'", "m", "astounded", "at", "the", "number", "of", "customers", "who", "sit", "across", "from", "me", "and", "are", "wholly", "dumbfounded", "when", "I", "tell", "...	[ { "id": 0, "text": "As a mortgage lender for an FDIC-insured bank, I'm astounded at the number of customers who sit across from me and are wholly dumbfounded when I tell them their loan request is denied because of outstanding collections.", "start": 0, "end": 43, "type": "value" }, { "i...	[ { "head": 4, "tail": 2, "type": "reason" }, { "head": 8, "tail": 9, "type": "reason" } ]
[ "When", "mortgage", "holders", "transfer", "servicing", "of", "a", "mortgage", "loan", "to", "another", "creditor", ",", "they", "have", "rules", "in", "place", "as", "to", "informing", "the", "consumer", "that", "their", "loan", "has", "been", "sold", ".", ...	[ { "id": 0, "text": "When mortgage holders transfer servicing of a mortgage loan to another creditor, they have rules in place as to informing the consumer that their loan has been sold.", "start": 0, "end": 30, "type": "fact" }, { "id": 1, "text": "Apply the same standards to any deb...	[]
[ "The", "agency", "needs", "to", "be", "careful", "of", "new", "rules", "that", "will", ",", "though", "unintended", ",", "be", "harmful", "to", "the", "free", "market", ".", "However", ",", "it", "is", "important", "that", "litigation", "is", "monitored", ...	[ { "id": 0, "text": "The agency needs to be careful of new rules that will, though unintended, be harmful to the free market.", "start": 0, "end": 22, "type": "policy" }, { "id": 1, "text": "However, it is important that litigation is monitored to ensure that the system does not allow...	[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 7, "tail": 9, "type": "reason" }, { "head": 10, "tail": 11, "type": "reason" } ]
[ "There", "needs", "to", "be", "something", "in", "place", "to", "stop", "the", "frivilous", "law", "suits", "that", "agencies", "have", "to", "spend", "thousands", "of", "dollars", "to", "defend", "even", "though", "they", "have", "tried", "to", "explain", ...	[ { "id": 0, "text": "There needs to be something in place to stop the frivilous law suits that agencies have to spend thousands of dollars to defend even though they have tried to explain to the consumers / attorneys that there was no wrong doing and no case", "start": 0, "end": 44, "type": "poli...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "Debt", "collectors", "should", "not", "be", "allowed", "to", "alter", "their", "caller", "ID", "information", ".", "They", "call", "misrepresenting", "themselves", "as", "\"", "Process", "Servers", "\"", "inquiring", "information", "about", "another", "person", ...	[ { "id": 0, "text": "Debt collectors should not be allowed to alter their caller ID information.", "start": 0, "end": 13, "type": "policy" }, { "id": 1, "text": "They call misrepresenting themselves as \"Process Servers\" inquiring information about another person's debt.", "start...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 2, "tail": 3, "type": "reason" } ]
[ "First", ",", "a", "third", "party", "collecting", "on", "behalf", "of", "a", "lender", "isn", "'", "t", ",", "nor", "should", "be", ",", "defined", "as", "a", "furnisher", "of", "information", ".", "While", "the", "FDCPA", "requires", "notice", "specifi...	[ { "id": 0, "text": "First, a third party collecting on behalf of a lender isn't, nor should be, defined as a furnisher of information.", "start": 0, "end": 26, "type": "fact" }, { "id": 1, "text": "While the FDCPA requires notice specific to the validity of the debt,", "start": 2...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" }, { "head": 6,...
[ "As", "a", "Director", "for", "Collections", "now", "for", "Kennedy", "Space", "Center", "Federal", "Credit", "Union", ",", "which", "is", "over", "500", "Million", "in", "asset", "size", "I", "try", "as", "I", "have", "for", "prior", "union", "to", "fil...	[ { "id": 0, "text": "As a Director for Collections now for Kennedy Space Center Federal Credit Union, which is over 500 Million in asset size I try as I have for prior union to file suit closest to the Consumers current address.", "start": 0, "end": 40, "type": "testimony" }, { "id": 1, ...	[ { "head": 5, "tail": 4, "type": "reason" } ]
[ "Very", "confusing", "if", "I", "can", "pay", "my", "student", "loans", "directly", "to", "DOE", "or", "to", "one", "of", "the", "many", "private", "companies", "who", "have", "owned", "my", "loan", "over", "the", "years", ".", "They", "continue", "to", ...	[ { "id": 0, "text": "Very confusing if I can pay my student loans directly to DOE or to one of the many private companies who have owned my loan over the years.", "start": 0, "end": 29, "type": "value" }, { "id": 1, "text": "They continue to try to entice me to restructure the student...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 3, "tail": 1, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" } ]
[ "Most", "of", "the", "consumer", "debt", "I", "see", "if", "coming", "from", "debt", "buyers", "and", "the", "consumer", "doesn", "'", "t", "recognize", "the", "name", "or", "the", "amount", ".", "Many", "of", "these", "are", "beyond", "the", "statute", ...	[ { "id": 0, "text": "Most of the consumer debt I see if coming from debt buyers and the consumer doesn't recognize the name or the amount.", "start": 0, "end": 25, "type": "testimony" }, { "id": 1, "text": "Many of these are beyond the statute of limitations to file suit", "start"...	[ { "head": 4, "tail": 3, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 9, "tail": 10, "type": "reason" }, { "head": 9, "tail": 11, "type": "reason" }, { "head": ...
[ "The", "price", "of", "paper", "(", "bad", "debt", ")", "varies", "depending", "on", "the", "collectability", "of", "the", "debt", "based", "on", "info", "known", "about", "the", "debtor", "and", "also", "varies", "based", "on", "the", "amount", "of", "d...	[ { "id": 0, "text": "The price of paper (bad debt) varies depending on the collectability of the debt based on info known about the debtor and also varies based on the amount of documentation purchased from the original creditor.", "start": 0, "end": 38, "type": "fact" }, { "id": 1, "...	[]
[ "The", "majority", "of", "the", "collection", "disputes", "I", "help", "my", "clients", "with", "are", "never", "validated", "with", "documentation", ".", "The", "CRA", "simply", "sends", "a", "letter", "stating", "that", "the", "debt", "was", "verified", "a...	[ { "id": 0, "text": "The majority of the collection disputes I help my clients with are never validated with documentation.", "start": 0, "end": 17, "type": "testimony" }, { "id": 1, "text": "The CRA simply sends a letter stating that the debt was verified", "start": 17, "end"...	[]
[ "The", "majority", "of", "the", "clients", "I", "work", "with", "try", "to", "settle", "their", "accounts", ".", "The", "main", "issue", "is", "that", "most", "of", "the", "collection", "companies", "will", "not", "provide", "the", "client", "with", "a", ...	[ { "id": 0, "text": "The majority of the clients I work with try to settle their accounts.", "start": 0, "end": 14, "type": "testimony" }, { "id": 1, "text": "The main issue is that most of the collection companies will not provide the client with a letter of agreement until after the...	[ { "head": 2, "tail": 3, "type": "evidence" } ]
[ "Unscrupulous", "debt", "collectors", "use", "this", "tactic", "trying", "to", "force", "people", "into", "agreeing", "to", "repay", "a", "debt", ".", "The", "threat", "of", "debt", "collection", "calls", "at", "work", "is", "a", "powerful", "incentive", "to...	[ { "id": 0, "text": "Unscrupulous debt collectors use this tactic trying to force people into agreeing to repay a debt.", "start": 0, "end": 17, "type": "value" }, { "id": 1, "text": "The threat of debt collection calls at work is a powerful incentive to repay a debt.", "start": 1...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "The", "Pro", "Publica", "piece", "on", "one", "\"", "installment", "\"", "loan", "lender", "has", "plenty", "of", "examples", "of", "harassment", "that", "goes", "over", "the", "line", "that", "is", "not", "covered", "by", "this", "language", "Truly", "dr...	[ { "id": 0, "text": "The Pro Publica piece on one \"installment\" loan lender has plenty of examples of harassment that goes over the line that is not covered by this language", "start": 0, "end": 29, "type": "fact" }, { "id": 1, "text": "Truly dreadful conduct.", "start": 29, ...	[]
[ "As", "a", "creditor", ",", "I", "can", "agree", "with", "this", "notification", "on", "medical", "services", "since", "most", "people", "receive", "bills", "from", "companies", "they", "never", "heard", "of", ".", "When", "it", "comes", "to", "auto", "loa...	[ { "id": 0, "text": "As a creditor, I can agree with this notification on medical services", "start": 0, "end": 13, "type": "value" }, { "id": 1, "text": "since most people receive bills from companies they never heard of.", "start": 13, "end": 25, "type": "fact" }, { ...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 3, "tail": 4, "type": "reason" } ]
[ "I", "was", "never", "informed", "by", "Bank", "of", "America", "that", "they", "sold", "my", "credit", "card", "and", "closed", "the", "card", ".", "When", "I", "realized", "it", ",", "I", "paid", "it", "off", "immediately", ".", "During", "that", "qu...	[ { "id": 0, "text": "I was never informed by Bank of America that they sold my credit card and closed the card.", "start": 0, "end": 19, "type": "testimony" }, { "id": 1, "text": "When I realized it, I paid it off immediately.", "start": 19, "end": 30, "type": "testimony" ...	[]
[ "Depends", "on", "the", "type", "of", "Bankruptcy", ".", "If", "it", "is", "a", "CH", "13", "many", "times", "the", "creditors", "receive", "more", "money", "than", "if", "they", "choose", "to", "forgive", "a", "portion", "of", "the", "debt", "and", "s...	[ { "id": 0, "text": "Depends on the type of Bankruptcy.", "start": 0, "end": 7, "type": "value" }, { "id": 1, "text": "If it is a CH 13 many times the creditors receive more money than if they choose to forgive a portion of the debt and settle direct with the consumer.", "start": ...	[ { "head": 1, "tail": 2, "type": "reason" } ]
[ "I", "am", "concerned", "about", "the", "perception", "consumers", "have", "concerning", "older", "debts", ".", "With", "the", "knowledge", "that", "this", "legislation", "is", "both", "to", "improve", "debt", "collection", "practices", "(", "helping", "the", ...	[ { "id": 0, "text": "I am concerned about the perception consumers have concerning older debts.", "start": 0, "end": 12, "type": "value" }, { "id": 1, "text": "With the knowledge that this legislation is both to improve debt collection practices (helping the credit industry) and to ed...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 7, "tail": 9, "type": "reason" } ]
[ "If", "a", "consumer", "is", "notified", "that", "their", "debt", "has", "been", "sold", ",", "there", "should", "be", "a", "way", "to", "contact", "the", "original", "creditor", "to", "verify", ".", "e", ".", "there", "should", "be", "a", "paper", "tr...	[ { "id": 0, "text": "If a consumer is notified that their debt has been sold, there should be a way to contact the original creditor to verify.", "start": 0, "end": 25, "type": "policy" }, { "id": 1, "text": "e. there should be a paper trail", "start": 25, "end": 33, "type...	[ { "head": 0, "tail": 2, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" }, { "head": 1, "tail": 4, "type": "reason" }, { "head": 4, "tail": 3, "type": "reason" } ]
[ "If", "a", "consumer", "sends", "a", "post", "dated", "check", "(", "s", ")", "and", "it", "bounces", "then", "it", "may", "not", "fall", "under", "the", "bad", "check", "enforcement", ".", "Also", ",", "consumers", "use", "ACH", "capability", "to", "r...	[ { "id": 0, "text": "If a consumer sends a post dated check(s) and it bounces then it may not fall under the bad check enforcement.", "start": 0, "end": 25, "type": "value" }, { "id": 1, "text": "Also, consumers use ACH capability to repay a debt,", "start": 25, "end": 36, ...	[ { "head": 2, "tail": 1, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" } ]
[ "while", "this", "isn", "'", "t", "the", "best", "forum", "for", "me", "to", "go", "into", "my", "company", "'", "s", "entire", "collection", "process", ",", "we", "work", "a", "debt", "for", "at", "least", "120", "days", "with", "letters", ",", "liv...	[ { "id": 0, "text": "while this isn't the best forum for me to go into my company's entire collection process, we work a debt for at least 120 days with letters, live agent calls, robo calls, emails, mailed invoices, and by suspending subscription service (where allowed) as part of our collection campaign.",...	[]
[ "The", "CFPB", "should", "require", "debt", "sellers", "to", "contact", "the", "debtor", "and", "inform", "them", "the", "debt", "has", "been", "sold", ".", "Additionally", ",", "ALL", "pertinent", "information", "must", "be", "given", "to", "the", "debtor",...	[ { "id": 0, "text": "The CFPB should require debt sellers to contact the debtor and inform them the debt has been sold.", "start": 0, "end": 19, "type": "policy" }, { "id": 1, "text": "Additionally, ALL pertinent information must be given to the debtor to eliminate any confusion.", ...	[ { "head": 0, "tail": 3, "type": "reason" }, { "head": 1, "tail": 3, "type": "reason" }, { "head": 2, "tail": 3, "type": "reason" } ]
[ "The", "idea", "is", "sound", "in", "principle", ",", "but", "as", "any", "technology", "geared", "towards", "convienance", ",", "there", "are", "risks", "against", "privacy", "encouraging", "identity", "theft", ".", "Having", "creditors", ",", "collectors", "...	[ { "id": 0, "text": "The idea is sound in principle,", "start": 0, "end": 7, "type": "value" }, { "id": 1, "text": "but as any technology geared towards convienance, there are risks against privacy encouraging identity theft.", "start": 7, "end": 24, "type": "value" }, ...	[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 3, "tail": 5, "type": "reason" } ]
[ "security", "would", "be", "paramound", ".", "Since", "the", "weaknesses", "in", "current", "authentication", "practices", "financial", "institutions", "/", "others", "covered", "by", "FACTA", "and", "the", "FCRA", "are", "not", "within", "the", "scope", "of", ...	[ { "id": 0, "text": "security would be paramound.", "start": 0, "end": 5, "type": "value" }, { "id": 1, "text": "Since the weaknesses in current authentication practices financial institutions/others covered by FACTA and the FCRA are not within the scope of this legislation,", "st...	[ { "head": 2, "tail": 1, "type": "reason" } ]
[ "I", "strongly", "endore", "drose977", "'", "s", "response", ".", "Currently", ",", "debt", "collection", "agencies", "can", "sell", "debt", "without", "proper", "validation", ".", "Or", "they", "can", "sell", "the", "debt", "if", "a", "consumer", "disputes"...	[ { "id": 0, "text": "I strongly endore drose977's response.", "start": 0, "end": 8, "type": "value" }, { "id": 1, "text": "Currently, debt collection agencies can sell debt without proper validation.", "start": 8, "end": 20, "type": "fact" }, { "id": 2, "text":...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 0, "tail": 4, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" }, { "head": 4,...
[ "The", "most", "common", "consumer", "contact", "my", "firm", "receives", "as", "a", "dispute", "is", "the", "comment", "by", "the", "consumer", "on", "a", "call", "with", "the", "agency", "that", "\"", "it", "'", "s", "not", "my", "debt", "\"", ".", ...	[ { "id": 0, "text": "The most common consumer contact my firm receives as a dispute is the comment by the consumer on a call with the agency that \"it's not my debt\".", "start": 0, "end": 33, "type": "testimony" }, { "id": 1, "text": "While that may be a true statement in some cases,...	[]
[ "Consumers", "should", "not", "be", "allowed", "to", "dispute", "a", "debt", "using", "identity", "theft", "as", "a", "reason", "without", "proof", "as", "well", ".", "Otherwise", "some", "consumers", "will", "\"", "game", "\"", "the", "system", "and", "ma...	[ { "id": 0, "text": "Consumers should not be allowed to dispute a debt using identity theft as a reason without proof as well.", "start": 0, "end": 20, "type": "policy" }, { "id": 1, "text": "Otherwise some consumers will \"game\" the system and make false disputes.", "start": 20,...	[ { "head": 0, "tail": 1, "type": "reason" } ]
[ "I", "currently", "have", "an", "alias", "on", "my", "Credit", "report", "that", "I", "have", "NEVER", "gone", "by", ".", "I", "'", "ve", "disputed", "this", "serveral", "times", "and", "I", "can", "'", "t", "get", "this", "alias", "and", "the", "rel...	[ { "id": 0, "text": "I currently have an alias on my Credit report that I have NEVER gone by.", "start": 0, "end": 16, "type": "testimony" }, { "id": 1, "text": "I've disputed this serveral times", "start": 16, "end": 23, "type": "testimony" }, { "id": 2, "text...	[ { "head": 3, "tail": 0, "type": "reason" }, { "head": 3, "tail": 1, "type": "reason" }, { "head": 3, "tail": 2, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" }, { "head": 5, "tail": 8, "type": "reason" }, { "head": 6,...
[ "The", "CFPB", "should", "ban", "workplace", "calls", "completely", ".", "Consumers", "provided", "a", "home", "phone", "number", "when", "they", "take", "on", "the", "debt", "and", "that", "should", "be", "the", "number", "they", "call", "to", "collect", ...	[ { "id": 0, "text": "The CFPB should ban workplace calls completely.", "start": 0, "end": 8, "type": "policy" }, { "id": 1, "text": "Consumers provided a home phone number when they take on the debt", "start": 8, "end": 20, "type": "fact" }, { "id": 2, "text": ...	[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 4, "tail": 6, "type": "reason" }, { "head": 4, "tail": 7, "type": "reason" }, { "head": 7, "tail": 6, "type": "reason" } ]
[ "More", "information", "to", "the", "consumer", "with", "the", "initial", "notification", "would", "be", "more", "confusing", "and", "intimidating", "than", "it", "already", "is", "for", "them", ".", "Simplifying", "the", "initial", "notification", "while", "inc...	[ { "id": 0, "text": "More information to the consumer with the initial notification would be more confusing and intimidating than it already is for them.", "start": 0, "end": 22, "type": "value" }, { "id": 1, "text": "Simplifying the initial notification while including information ab...	[ { "head": 1, "tail": 0, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" }, { "head": 1, "tail": 3, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" } ]
[ "my", "in", "-", "laws", "had", "the", "same", "issue", "with", "BoA", ".", "They", "paid", "their", "mortgate", "EARLY", "every", "month", "and", "still", "were", "reported", "as", "late", "every", "month", ".", "This", "is", "tragic", "and", "ruined", ...	[ { "id": 0, "text": "my in-laws had the same issue with BoA.", "start": 0, "end": 11, "type": "testimony" }, { "id": 1, "text": "They paid their mortgate EARLY every month and still were reported as late every month.", "start": 11, "end": 27, "type": "testimony" }, { ...	[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" } ]
[ "As", "someone", "who", "regularly", "reviews", "credit", "reports", ",", "I", "am", "appalled", "by", "a", "practice", "I", "see", "regularly", ".", "Debt", "Collectors", "frequently", "resubmit", "the", "report", "of", "a", "debt", "as", "delinquent", "eve...	[ { "id": 0, "text": "As someone who regularly reviews credit reports,", "start": 0, "end": 8, "type": "testimony" }, { "id": 1, "text": "I am appalled by a practice I see regularly.", "start": 8, "end": 18, "type": "value" }, { "id": 2, "text": "Debt Collectors...	[]
[ "If", "federal", "rules", "can", "be", "ignored", "by", "local", "/", "municipal", "/", "state", "laws", "then", "the", "federal", "laws", "are", "irrelevant", ".", "Consumer", "credit", "is", "recognized", "in", "all", "50", "states", "and", "internationall...	[ { "id": 0, "text": "If federal rules can be ignored by local/municipal/state laws then the federal laws are irrelevant.", "start": 0, "end": 20, "type": "value" }, { "id": 1, "text": "Consumer credit is recognized in all 50 states and internationally.", "start": 20, "end": 31...	[]
[ "Calling", "someone", "'", "s", "work", "is", "clearly", "and", "without", "dispute", "intended", "to", "embarrass", "and", "annoy", ".", "It", "is", "never", "acceptable", "." ]	[ { "id": 0, "text": "Calling someone's work is clearly and without dispute intended to embarrass and annoy.", "start": 0, "end": 16, "type": "value" }, { "id": 1, "text": "It is never acceptable.", "start": 16, "end": 21, "type": "value" } ]	[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "State", "and", "local", "court", "rules", "sometimes", "make", "default", "judgments", "much", "more", "likely", ".", "For", "example", ",", "when", "a", "person", "who", "allegedly", "owes", "a", "debt", "is", "told", "to", "come", "to", "court", "on", ...

[ { "id": 0, "text": "State and local court rules sometimes make default judgments much more likely.", "start": 0, "end": 13, "type": "value" }, { "id": 1, "text": "For example, when a person who allegedly owes a debt is told to come to court on a work day, they may be forced to choose...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" } ]

[ "There", "is", "currently", "a", "split", "between", "the", "Ninth", "and", "First", "Circuits", "as", "to", "whether", "1692i", "and", "other", "FDCPA", "provisions", "apply", "in", "garnishment", "proceedings", ".", "In", "many", "states", ",", "the", "nom...

[ { "id": 0, "text": "There is currently a split between the Ninth and First Circuits as to whether 1692i and other FDCPA provisions apply in garnishment proceedings.", "start": 0, "end": 24, "type": "fact" }, { "id": 1, "text": "In many states, the nominal defendant is the judgment de...

[ { "head": 3, "tail": 0, "type": "reason" } ]

[ "In", "many", "districts", "where", "bad", "check", "diversion", "programs", "exist", ",", "there", "is", "anecdotal", "evidence", "that", "the", "companies", "administering", "the", "programs", "threaten", "with", "prosecution", "individuals", "who", "do", "not",...

[ { "id": 0, "text": "In many districts where bad check diversion programs exist, there is anecdotal evidence that the companies administering the programs threaten with prosecution individuals who do not come within the state's bad check law", "start": 0, "end": 36, "type": "fact" }, { "i...

[ { "head": 2, "tail": 0, "type": "reason" } ]

[ "Consumer", "attorneys", "occasionally", "advise", "their", "clients", "not", "to", "record", "unlawful", "communications", "due", "to", "state", "laws", "requiring", "both", "parties", "'", "consent", "for", "recording", ".", "The", "CFPB", "should", "require", ...

[ { "id": 0, "text": "Consumer attorneys occasionally advise their clients not to record unlawful communications due to state laws requiring both parties' consent for recording.", "start": 0, "end": 23, "type": "fact" }, { "id": 1, "text": "The CFPB should require that debt collectors ...

[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "When", "an", "attorney", "is", "a", "'", "Debt", "Collector", "'", "(", "as", "per", "their", "own", "documents", ")", "and", "not", "legally", "considered", "a", "'", "Collection", "Agency", "'", "the", "attorney", "is", "not", "held", "accountable", "...

[ { "id": 0, "text": "When an attorney is a 'Debt Collector' (as per their own documents) and not legally considered a 'Collection Agency' the attorney is not held accountable for consumer protection law violations (both local and federal) within civil court.", "start": 0, "end": 46, "type": "fact...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" }, { "head": 8, "tail": 9, "type": "reason" } ]

[ "There", "is", "currently", "dispute", "among", "federal", "district", "and", "circuit", "courts", "as", "to", "whether", "a", "post", "-", "default", "assignee", "of", "a", "debt", "comes", "within", "the", "creditor", "exception", ".", "The", "CFPB", "shou...

[ { "id": 0, "text": "There is currently dispute among federal district and circuit courts as to whether a post-default assignee of a debt comes within the creditor exception.", "start": 0, "end": 27, "type": "fact" }, { "id": 1, "text": "The CFPB should issue a rule providing that a p...

[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "The", "FDCPA", "contains", "an", "exception", "for", "creditors", ".", "The", "CFPB", "should", "include", "in", "any", "rule", "confirmation", "that", "the", "same", "practices", "prohibited", "for", "collectors", "under", "the", "FDCPA", "would", "be", "unf...

[ { "id": 0, "text": "The FDCPA contains an exception for creditors.", "start": 0, "end": 8, "type": "fact" }, { "id": 1, "text": "The CFPB should include in any rule confirmation that the same practices prohibited for collectors under the FDCPA would be unfair, deceptive, or abusive a...

[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "Assignments", "without", "notice", "could", "lead", "to", "consumers", "paying", "the", "wrong", "person", ".", "The", "CFPB", "should", "encourage", "proper", "notice", "by", "ruling", "that", "a", "payment", "made", "to", "either", "of", "the", "assignee", ...

[ { "id": 0, "text": "Assignments without notice could lead to consumers paying the wrong person.", "start": 0, "end": 12, "type": "value" }, { "id": 1, "text": "The CFPB should encourage proper notice by ruling that a payment made to either of the assignee or the assignor reduces the ...

[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "The", "original", "creditor", "has", "information", "about", "the", "debtor", "'", "s", "language", ";", "ii", ")", "The", "collector", "obtains", "information", "about", "the", "debtor", "'", "s", "language", ";", "*", "or", "*", "iii", ")", "The", "de...

[ { "id": 0, "text": "The original creditor has information about the debtor's language;", "start": 0, "end": 12, "type": "value" }, { "id": 1, "text": "ii) The collector obtains information about the debtor's language; *or*", "start": 12, "end": 28, "type": "value" }, ...

[]

[ "I", "work", "at", "a", "private", "university", "and", "we", "do", "not", "sue", "for", "collections", ".", "Since", "the", "debt", "can", "be", "reported", "to", "the", "credit", "bureau", "for", "7", "years", ",", "we", "like", "to", "keep", "our", ...

[ { "id": 0, "text": "I work at a private university", "start": 0, "end": 6, "type": "testimony" }, { "id": 1, "text": "and we do not sue for collections.", "start": 6, "end": 14, "type": "testimony" }, { "id": 2, "text": "Since the debt can be reported to the c...

[ { "head": 3, "tail": 2, "type": "reason" } ]

[ "I", "received", "a", "bill", "from", "an", "attorneys", "office", "regarding", "a", "bill", "I", "did", "not", "think", "that", "was", "mine", ".", "I", "sent", "a", "certified", "return", "receipt", "request", "for", "validation", "but", "never", "receiv...

[ { "id": 0, "text": "I received a bill from an attorneys office regarding a bill I did not think that was mine.", "start": 0, "end": 19, "type": "testimony" }, { "id": 1, "text": "I sent a certified return receipt request for validation but never received a response.", "start": 19...

[ { "head": 2, "tail": 1, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" }, { "head": 10, "tail": 11, "type": "reason" }, { "head": 16, "tail": 15, "type": "reason" } ]

[ "I", "'", "m", "aware", "of", "that", ",", "but", "I", "don", "'", "t", "think", "many", "appellate", "courts", "have", "considered", "the", "issue", ".", "To", "confirm", "that", "it", "'", "s", "the", "law", ",", "it", "should", "be", "included", ...

[ { "id": 0, "text": "I'm aware of that,", "start": 0, "end": 7, "type": "value" }, { "id": 1, "text": "but I don't think many appellate courts have considered the issue.", "start": 7, "end": 21, "type": "value" }, { "id": 2, "text": "To confirm that it's the la...

[ { "head": 2, "tail": 1, "type": "reason" } ]

[ "I", "do", "NOT", "owe", "any", "debt", "but", "have", "a", "COMMON", "FIRST", "and", "LAST", "NAME", ".", "My", "Constitutional", "rights", "are", "violated", "every", "time", "a", "lawyer", "fails", "to", "perform", "due", "diligence", ",", "per", "rul...

[ { "id": 0, "text": "I do NOT owe any debt but have a COMMON FIRST and LAST NAME.", "start": 0, "end": 15, "type": "testimony" }, { "id": 1, "text": "My Constitutional rights are violated every time a lawyer fails to perform due diligence, per rule 137, BEFORE SIGNING and FILING COURT...

[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "Allow", "the", "States", "and", "/", "or", "local", "courts", "administer", "lawsuits", ".", "Regardless", "of", "any", "added", "rules", ",", "documents", ",", "etc", ".", "none", "will", "help", "increase", "debtors", "attending", "hearings", ".", "Since"...

[ { "id": 0, "text": "Allow the States and/or local courts administer lawsuits.", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "Regardless of any added rules, documents, etc. none will help increase debtors attending hearings.", "start": 11, "end": 29, "typ...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" } ]

[ "No", "federal", "rules", ".", "Allow", "States", "continued", "enforcement", "of", "their", "state", "laws", "." ]

[ { "id": 0, "text": "No federal rules.", "start": 0, "end": 4, "type": "policy" }, { "id": 1, "text": "Allow States continued enforcement of their state laws.", "start": 4, "end": 13, "type": "policy" } ]

[]

[ "Maybe", "I", "missed", "something", "but", "I", "never", "received", "any", "notice", "from", "my", "original", "mortgage", "lender", "that", "my", "mortgage", "was", "sold", ".", "Maybe", "that", "is", "better", "since", "the", "new", "\"", "owner", "\""...

[ { "id": 0, "text": "Maybe I missed something", "start": 0, "end": 4, "type": "value" }, { "id": 1, "text": "but I never received any notice from my original mortgage lender that my mortgage was sold.", "start": 4, "end": 21, "type": "testimony" }, { "id": 2, "...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" } ]

[ "Assuming", "debtors", "have", "a", "valid", "address", ",", "which", "is", "some", "cases", "they", "do", "not", ",", "additional", "notice", "that", "the", "debt", "is", "being", "assigned", "to", "a", "third", "party", "collection", "entity", "is", "no"...

[ { "id": 0, "text": "Assuming debtors have a valid address, which is some cases they do not,", "start": 0, "end": 15, "type": "fact" }, { "id": 1, "text": "additional notice that the debt is being assigned to a third party collection entity is no benefit.", "start": 15, "end":...

[ { "head": 0, "tail": 2, "type": "reason" } ]

[ "Suspend", "further", "action", "to", "collect", "or", "re", "-", "sell", ".", "Placing", "a", "rule", "that", "prohibits", "a", "collector", "from", "reporting", "information", "to", "a", "CRA", "during", "the", "30", "day", "window", "would", "be", "a", ...

[ { "id": 0, "text": "Suspend further action to collect or re-sell.", "start": 0, "end": 10, "type": "policy" }, { "id": 1, "text": "Placing a rule that prohibits a collector from reporting information to a CRA during the 30 day window would be a nightmare from elm street and only caus...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "No", ",", "it", "is", "not", "even", "clear", "who", "a", "debt", "collector", "is", ",", "particularly", "under", "CA", "law", ".", "The", "person", "sending", "the", "validating", "notice", "is", "typically", "a", "debt", "collector", ".", "This", "ju...

[ { "id": 0, "text": "No, it is not even clear who a debt collector is, particularly under CA law.", "start": 0, "end": 18, "type": "value" }, { "id": 1, "text": "The person sending the validating notice is typically a debt collector.", "start": 18, "end": 30, "type": "fact...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "CA", "has", "already", "made", "great", "strides", "as", "to", "debt", "buyers", ".", "This", "should", "be", "the", "rule", "for", "all", "collectors", ":", "that", "when", "they", "file", ",", "they", "must", "produce", "properly", "authenticated", "bac...

[ { "id": 0, "text": "CA has already made great strides as to debt buyers.", "start": 0, "end": 11, "type": "value" }, { "id": 1, "text": "This should be the rule for all collectors: that when they file, they must produce properly authenticated backing for the debt sued upon.", "st...

[]

[ "There", "should", "be", "no", "option", "to", "attempt", "to", "verify", "the", "debt", ".", "Attempts", "should", "always", "be", "required", "and", "if", "verification", "is", "not", "made", ",", "the", "debt", "cannot", "be", "further", "transferred", ...

[ { "id": 0, "text": "There should be no option to attempt to verify the debt.", "start": 0, "end": 12, "type": "policy" }, { "id": 1, "text": "Attempts should always be required", "start": 12, "end": 17, "type": "policy" }, { "id": 2, "text": "and if verificati...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "FDCPA", "should", "define", "what", "constitutes", "reasonable", "period", "of", "time", ".", "In", "my", "experience", "most", "attorneys", "who", "represent", "a", "debtor", "do", "not", "return", "communication", "inquiries", "about", "representation", ".", ...

[ { "id": 0, "text": "FDCPA should define what constitutes reasonable period of time.", "start": 0, "end": 10, "type": "policy" }, { "id": 1, "text": "In my experience most attorneys who represent a debtor do not return communication inquiries about representation.", "start": 10, ...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" } ]

[ "Collectors", "are", "responsible", "for", "re", "-", "establishing", "contact", "with", "delinquent", "customers", "and", "providing", "services", "that", "facilitate", "repayment", "of", "the", "loans", ",", "regardless", "of", "the", "technology", "utilized", "...

[ { "id": 0, "text": "Collectors are responsible for re-establishing contact with delinquent customers and providing services that facilitate repayment of the loans, regardless of the technology utilized.", "start": 0, "end": 27, "type": "value" }, { "id": 1, "text": "In Collections, a...

[ { "head": 6, "tail": 7, "type": "reason" }, { "head": 9, "tail": 10, "type": "reason" }, { "head": 9, "tail": 11, "type": "reason" }, { "head": 9, "tail": 12, "type": "reason" } ]

[ "They", "can", "'", "t", "be", "sued", "on", "in", "court", "and", "communications", "should", "reflect", "that", ".", "I", "have", "found", "that", "persons", "who", "buy", "old", "debts", "are", "not", "competent", "and", "rely", "on", "software", "and...

[ { "id": 0, "text": "They can't be sued on in court", "start": 0, "end": 9, "type": "fact" }, { "id": 1, "text": "and communications should reflect that.", "start": 9, "end": 15, "type": "policy" }, { "id": 2, "text": "I have found that persons who buy old debt...

[ { "head": 3, "tail": 2, "type": "reason" } ]

[ "First", ",", "I", "have", "learned", "there", "is", "a", "significant", "legal", "difference", "between", "1", ")", "identify", "theft", ",", "2", ")", "mistaken", "identity", "(", "see", "contract", "law", "Furthermore", ",", "that", "these", "three", "w...

[ { "id": 0, "text": "First, I have learned there is a significant legal difference between 1) identify theft, 2) mistaken identity (see contract law", "start": 0, "end": 25, "type": "testimony" }, { "id": 1, "text": "Furthermore, that these three words need to be separated, clarified ...

[ { "head": 3, "tail": 2, "type": "reason" } ]

[ "I", "would", "suggest", "a", "review", "of", "the", "language", "already", "published", "in", "the", "Federal", "Rules", "of", "Bankruptcy", "BR", "3001", "(", "effective", "date", "12", "/", "1", "/", "2012", ")", "relating", "to", "documentation", ".", ...

[ { "id": 0, "text": "I would suggest a review of the language already published in the Federal Rules of Bankruptcy BR 3001( effective date 12/1/2012) relating to documentation.", "start": 0, "end": 31, "type": "policy" }, { "id": 1, "text": "Based upon my participation with the Rule a...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "I", "would", "suggest", "a", "visit", "to", "the", "Federal", "Bankruptcy", "Rule", "3001", "(", "effective", "12", "/", "1", "/", "2012", ")", "and", "comments", "made", "during", "the", "proposed", "period", ",", "plus", "the", "hearing", "presentation"...

[ { "id": 0, "text": "I would suggest a visit to the Federal Bankruptcy Rule 3001(effective 12/1/2012) and comments made during the proposed period, plus the hearing presentation statements published and are available.", "start": 0, "end": 37, "type": "policy" }, { "id": 1, "text": "Th...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "As", "a", "creditor", "collecting", "my", "own", "debt", ",", "I", "assert", "that", "by", "the", "time", "I", "move", "to", "litgation", ",", "I", "'", "ve", "exhausted", "all", "other", "forms", "of", "collection", ".", "I", "'", "ve", "talked", "...

[ { "id": 0, "text": "As a creditor collecting my own debt, I assert that by the time I move to litgation, I've exhausted all other forms of collection.", "start": 0, "end": 29, "type": "testimony" }, { "id": 1, "text": "I've talked to, emailed, and snail mailed the debtor.", "star...

[ { "head": 3, "tail": 0, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" } ]

[ "Debt", "collectors", "continuously", "resell", "the", "debt", "to", "other", "debt", "collectors", "who", "start", "the", "clock", "all", "over", "again", ".", "Then", "that", "debt", "collector", "resells", "the", "debt", "and", "the", "3rd", "debt", "coll...

[ { "id": 0, "text": "Debt collectors continuously resell the debt to other debt collectors who start the clock all over again.", "start": 0, "end": 18, "type": "fact" }, { "id": 1, "text": "Then that debt collector resells the debt", "start": 18, "end": 25, "type": "fact" ...

[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 3, "tail": 5, "type": "reason" }, { "head": 6, "tail": 3, "type": "reason" }, { "head": 9, "tail": 7, "type": "reason" }, { "head": 9, "tail": 8, "type": "reason" } ]

[ "I", "do", "not", "believe", "that", "it", "is", "\"", "just", "\"", "to", "allow", "a", "third", "party", "to", "buy", "a", "past", "due", "debt", "and", "sue", "for", "the", "entire", "balance", ",", "plus", "attorney", "fees", ",", "court", "costs...

[ { "id": 0, "text": "I do not believe that it is \"just\" to allow a third party to buy a past due debt and sue for the entire balance, plus attorney fees, court costs, and other fees associated with \"mediators or arbitrators\".", "start": 0, "end": 46, "type": "value" }, { "id": 1, ...

[ { "head": 1, "tail": 0, "type": "reason" }, { "head": 6, "tail": 8, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" } ]

[ "In", "most", "states", "all", "that", "a", "debt", "collection", "law", "office", "needs", "to", "provide", "is", "a", "complaint", ".", "The", "average", "consumer", "has", "no", "idea", "what", "the", "difference", "is", "between", "a", "balance", "and"...

[ { "id": 0, "text": "In most states all that a debt collection law office needs to provide is a complaint.", "start": 0, "end": 17, "type": "fact" }, { "id": 1, "text": "The average consumer has no idea what the difference is between a balance and a sum.", "start": 17, "end": ...

[]

[ "If", "the", "consumer", "claims", "identity", "theft", "then", "the", "Debt", "collectors", "should", "be", "required", "to", "prove", "otherwise", ".", "The", "CRAs", "should", "be", "forbidden", "to", "report", "any", "debt", "that", "has", "been", "dispu...

[ { "id": 0, "text": "If the consumer claims identity theft then the Debt collectors should be required to prove otherwise.", "start": 0, "end": 17, "type": "policy" }, { "id": 1, "text": "The CRAs should be forbidden to report any debt that has been disputed as Identity theft unless t...

[]

[ "I", "have", "been", "contacted", "about", "a", "collection", "agency", "that", "stated", "that", "an", "old", "prescription", "charge", "was", "unpaid", ".", "The", "total", "was", "like", "$", "1500", ".", "When", "I", "asked", "for", "proof", ",", "I"...

[ { "id": 0, "text": "I have been contacted about a collection agency that stated that an old prescription charge was unpaid.", "start": 0, "end": 18, "type": "testimony" }, { "id": 1, "text": "The total was like $1500.", "start": 18, "end": 25, "type": "testimony" }, {...

[ { "head": 5, "tail": 0, "type": "reason" }, { "head": 5, "tail": 1, "type": "reason" }, { "head": 5, "tail": 2, "type": "reason" }, { "head": 5, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" }, { "head": 7,...

[ "Agree", "with", "RBell", ".", "Delinquent", "borrowers", "already", "almost", "always", "know", "they", "'", "re", "delinquent", "so", "further", "notices", "are", "not", "productive", ".", "When", "notices", "are", "provided", "they", "should", "include", "t...

[ { "id": 0, "text": "Agree with RBell.", "start": 0, "end": 4, "type": "value" }, { "id": 1, "text": "Delinquent borrowers already almost always know they're delinquent", "start": 4, "end": 14, "type": "value" }, { "id": 2, "text": "so further notices are not p...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 1, "type": "reason" } ]

[ "Debt", "collectors", "should", "not", "be", "permitted", "to", "harass", "a", "debtor", "'", "s", "ex", "-", "spouse", "by", "repeatedly", "calling", "the", "ex", "-", "spouse", ".", "Debt", "collectors", "are", "known", "to", "use", "the", "old", "phon...

[ { "id": 0, "text": "Debt collectors should not be permitted to harass a debtor's ex-spouse by repeatedly calling the ex-spouse.", "start": 0, "end": 23, "type": "policy" }, { "id": 1, "text": "Debt collectors are known to use the old phone number of the debtor that now belongs to the...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 4, "tail": 0, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" } ]

[ "Why", "should", ",", "an", "agency", "have", "to", "mail", "a", "letter", "to", "the", "consumer", "who", "requested", "not", "to", "be", "called", "?", "They", "most", "likely", "won", "'", "t", "read", "it" ]

[ { "id": 0, "text": "Why should, an agency have to mail a letter to the consumer who requested not to be called?", "start": 0, "end": 20, "type": "value" }, { "id": 1, "text": "They most likely won't read it", "start": 20, "end": 28, "type": "value" } ]

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "I", "don", "'", "t", "think", "the", "consumer", "should", "have", "the", "options", "as", "to", "when", "and", "how", "they", "are", "called", ".", "Most", "collection", "agency", "'", "s", "today", "would", "remove", "a", "consumers", "phone", "number...

[ { "id": 0, "text": "I don't think the consumer should have the options as to when and how they are called.", "start": 0, "end": 20, "type": "value" }, { "id": 1, "text": "Most collection agency's today would remove a consumers phone number hen asked.", "start": 20, "end": 35,...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "banks", "can", "simply", "add", "this", "provision", "to", "their", "Loan", "Sale", "Agreements", ".", "All", "buyers", "executing", "a", "Loan", "Sale", "Agreement", "containing", "such", "a", "provision", "would", "be", "contractually", "obligated", "to", "...

[ { "id": 0, "text": "banks can simply add this provision to their Loan Sale Agreements.", "start": 0, "end": 12, "type": "fact" }, { "id": 1, "text": "All buyers executing a Loan Sale Agreement containing such a provision would be contractually obligated to refrain from litigating or ...

[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" } ]

[ "I", "think", "it", "should", "be", "illegal", "or", "miss", "leading", "for", "a", "agency", "to", "change", "its", "caller", "id", ".", "You", "could", "easily", "look", "up", "a", "relatives", "number", "and", "use", "that", ".", "There", "should", ...

[ { "id": 0, "text": "I think it should be illegal or miss leading for a agency to change its caller id.", "start": 0, "end": 18, "type": "policy" }, { "id": 1, "text": "You could easily look up a relatives number and use that.", "start": 18, "end": 30, "type": "value" },...

[]

[ "I", "don", "'", "t", "think", "it", "matters", "whether", "a", "collector", "used", "a", "alias", "or", "not", ".", "It", "'", "s", "just", "a", "name", ".", "If", "it", "is", "used", "constantly" ]

[ { "id": 0, "text": "I don't think it matters whether a collector used a alias or not.", "start": 0, "end": 16, "type": "value" }, { "id": 1, "text": "It's just a name. If it is used constantly", "start": 16, "end": 28, "type": "value" } ]

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "I", "don", "'", "t", "know", "if", "technology", "allows", "collectors", "to", "distinguish", "land", "lines", "from", "cell", "phones", ".", "It", "is", "fair", "for", "collectors", "to", "use", "info", "provided", "on", "the", "application", "for", "cre...

[ { "id": 0, "text": "I don't know if technology allows collectors to distinguish land lines from cell phones.", "start": 0, "end": 17, "type": "fact" }, { "id": 1, "text": "It is fair for collectors to use info provided on the application for credit.", "start": 17, "end": 32, ...

[ { "head": 5, "tail": 6, "type": "reason" } ]

[ "A", "debt", "collector", "did", "not", "litigate", "a", "credit", "card", "debt", ",", "but", "summarily", "garnished", "our", "joint", "checking", "account", ".", "It", "was", "two", "weeks", "later", "that", "notification", "was", "received", "from", "the...

[ { "id": 0, "text": "A debt collector did not litigate a credit card debt, but summarily garnished our joint checking account.", "start": 0, "end": 19, "type": "testimony" }, { "id": 1, "text": "It was two weeks later that notification was received from the debt collector.", "star...

[ { "head": 3, "tail": 0, "type": "reason" }, { "head": 3, "tail": 1, "type": "reason" }, { "head": 3, "tail": 2, "type": "reason" } ]

[ "In", "theory", "this", "seems", "like", "a", "reasonable", "policy", ",", "but", "how", "can", "collectors", "know", "where", "a", "debtor", "is", "if", "they", "are", "calling", "his", "or", "her", "cell", "phone", "?", "Knowingly", "calling", "third", ...

[ { "id": 0, "text": "In theory this seems like a reasonable policy,", "start": 0, "end": 9, "type": "value" }, { "id": 1, "text": "but how can collectors know where a debtor is if they are calling his or her cell phone?", "start": 9, "end": 28, "type": "value" }, { ...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 2, "tail": 4, "type": "reason" }, { "head": 2, "tail": 5, "type": "reason" }, { "head": 3, "tail": 4, "type": "reason" }, { "head": 3, "tail": 5, "type": "reason" } ]

[ "As", "a", "consumer", "I", "should", "receive", "a", "notice", "or", "some", "type", "of", "warning", "that", "the", "debt", "will", "be", "turned", "over", "to", "a", "collector", ".", "And", "when", "there", "are", "a", "change", "in", "debt", "coll...

[ { "id": 0, "text": "As a consumer I should receive a notice or some type of warning that the debt will be turned over to a collector.", "start": 0, "end": 24, "type": "policy" }, { "id": 1, "text": "And when there are a change in debt collectors, the consumer should be notified.", ...

[]

[ "Debtors", "should", "be", "able", "to", "leave", "a", "message", "for", "a", "specific", "debtor", ",", "the", "name", "of", "their", "company", "and", "request", "a", "call", "-", "back", "at", "a", "specified", "number", ".", "When", "a", "consumer", ...

[ { "id": 0, "text": "Debtors should be able to leave a message for a specific debtor, the name of their company and request a call-back at a specified number.", "start": 0, "end": 29, "type": "policy" }, { "id": 1, "text": "When a consumer returns this type of call, the collector or d...

[ { "head": 2, "tail": 3, "type": "reason" } ]

[ "Calling", "a", "debtor", "at", "work", "is", "counter", "-", "intuitive", ";", "if", "collectors", "are", "continuously", "calling", "someone", "at", "work", ",", "other", "employees", "may", "report", "it", "to", "the", "debtor", "'", "s", "supervisor", ...

[ { "id": 0, "text": "Calling a debtor at work is counter-intuitive;", "start": 0, "end": 10, "type": "value" }, { "id": 1, "text": "if collectors are continuously calling someone at work, other employees may report it to the debtor's supervisor.", "start": 10, "end": 31, "...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" }, { "head": 3, "tail": 2, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" } ]

[ "Blocking", "caller", "ID", "information", "is", "disingenuous", "to", "say", "the", "least", ".", "Most", "consumers", "won", "'", "t", "respond", "to", "blocked", "numbers", "or", "ID", "'", "s", "anyway", ".", "Collectors", "should", "be", "required", "...

[ { "id": 0, "text": "Blocking caller ID information is disingenuous to say the least.", "start": 0, "end": 11, "type": "value" }, { "id": 1, "text": "Most consumers won't respond to blocked numbers or ID's anyway.", "start": 11, "end": 26, "type": "value" }, { "id"...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" }, { "head": 2, "tail": 4, "type": "reason" }, { "head": 4, "tail": 3, "type": "reason" } ]

[ "Consumers", "should", "not", "incur", "additional", "costs", "for", "cell", "phone", "calls", ",", "texting", "or", "voice", "messaging", "in", "relation", "to", "collections", ".", "The", "more", "costs", "assessed", "to", "a", "debtor", ",", "the", "less"...

[ { "id": 0, "text": "Consumers should not incur additional costs for cell phone calls, texting or voice messaging in relation to collections.", "start": 0, "end": 20, "type": "policy" }, { "id": 1, "text": "The more costs assessed to a debtor, the less money they have to pay their cre...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" } ]

[ "There", "should", "be", "a", "monetary", "\"", "floor", "\"", "required", "before", "debt", "collectors", "can", "pursue", "uncollected", "debts", "in", "court", ".", "The", "idea", "that", "corporations", "that", "already", "charge", "puninshing", "interest", ...

[ { "id": 0, "text": "There should be a monetary \"floor\" required before debt collectors can pursue uncollected debts in court.", "start": 0, "end": 19, "type": "policy" }, { "id": 1, "text": "The idea that corporations that already charge puninshing interest rates and fees can clog ...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 2, "tail": 1, "type": "reason" }, { "head": 2, "tail": 3, "type": "reason" } ]

[ "Identity", "Theft", "Tops", "List", "for", "13th", "Consecutive", "Year", "in", "Report", "of", "National", "Consumer", "Complaints", "__URL__" ]

[ { "id": 0, "text": "Identity Theft Tops List for 13th Consecutive Year in Report of National Consumer Complaints", "start": 0, "end": 14, "type": "fact" }, { "id": 1, "text": "__URL__", "start": 14, "end": 15, "type": "reference" } ]

[ { "head": 0, "tail": 1, "type": "evidence" } ]

[ "Consumers", "should", "be", "made", "aware", "of", "sale", "or", "transfer", "of", "their", "debts", ".", "From", "whom", "to", "whom", "along", "with", "effective", "dates", "and", "contact", "info", "for", "the", "creditor", "and", "the", "new", "owner"...

[ { "id": 0, "text": "Consumers should be made aware of sale or transfer of their debts.", "start": 0, "end": 13, "type": "policy" }, { "id": 1, "text": "From whom to whom along with effective dates and contact info for the creditor and the new owner of the debt.", "start": 13, ...

[]

[ "Notifying", "consumers", "of", "the", "sale", "of", "their", "debts", "and", "related", "details", "would", "help", "consumers", "with", "identifying", "who", "is", "contacting", "them", "about", "a", "debt", ";", "there", "are", "robo", "calls", "about", "...

[ { "id": 0, "text": "Notifying consumers of the sale of their debts and related details would help consumers with identifying who is contacting them about a debt;", "start": 0, "end": 24, "type": "value" }, { "id": 1, "text": "there are robo calls about lowering your credit card inter...

[]

[ "Consumers", "should", "be", "aware", "of", "who", "is", "handling", "collection", "procedures", ".", "The", "seller", "of", "any", "consumer", "debt", "should", "be", "required", "to", "notify", "the", "debtor", "of", "which", "debt", "owed", "to", "which",...

[ { "id": 0, "text": "Consumers should be aware of who is handling collection procedures.", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "The seller of any consumer debt should be required to notify the debtor of which debt owed to which creditor, is being sold by xyz ...

[ { "head": 1, "tail": 0, "type": "reason" } ]

[ "A", "notice", "should", "go", "out", "that", "the", "debt", "has", "been", "sold", "because", "it", "definitely", "informs", "the", "consumer", "in", "how", "they", "should", "go", "about", "negotiating", "repayment", "of", "the", "debt", ".", "When", "th...

[ { "id": 0, "text": "A notice should go out that the debt has been sold", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "because it definitely informs the consumer in how they should go about negotiating repayment of the debt.", "start": 11, "end": 29, "typ...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 6, "tail": 5, "type": "reason" }, { "head": 7, "tail": 5, "type": "reason" } ]

[ "Consumer", "owing", "the", "debt", "should", "be", "contacted", "about", "any", "third", "party", "offer", "to", "pay", "their", "debt", ".", "Anyone", "paying", "debt", "for", "someone", "else", "should", "be", "required", "to", "provide", "their", "identi...

[ { "id": 0, "text": "Consumer owing the debt should be contacted about any third party offer to pay their debt.", "start": 0, "end": 17, "type": "policy" }, { "id": 1, "text": "Anyone paying debt for someone else should be required to provide their identity to the creditor and debtor....

[]

[ "A", "separate", "\"", "summary", "of", "rights", "\"", "should", "be", "sent", "to", ",", "and", "made", "available", ",", "to", "consumers", ".", "We", "are", "woefully", "uninformed", "and", "misinformed", "about", "our", "rights", "as", "consumers", ";...

[ { "id": 0, "text": "A separate \"summary of rights\" should be sent to, and made available, to consumers.", "start": 0, "end": 19, "type": "policy" }, { "id": 1, "text": "We are woefully uninformed and misinformed about our rights as consumers; what avenues of negotiation we can purs...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "This", "kind", "of", "thing", "is", "likely", "determined", "by", "family", "court", "law", "in", "the", "jurisdiction", "where", "the", "debtor", "lives", ".", "Community", "property", "law", ",", "divorce", "or", "separation", "agreements", "and", "issues",...

[ { "id": 0, "text": "This kind of thing is likely determined by family court law in the jurisdiction where the debtor lives.", "start": 0, "end": 19, "type": "value" }, { "id": 1, "text": "Community property law, divorce or separation agreements and issues of domestic violence laws al...

[]

[ "Some", "people", "are", "concerned", "that", "collectors", "don", "'", "t", "do", "much", "more", "than", "doublecheck", "that", "the", "amount", "in", "the", "validation", "notice", "is", "what", "the", "creditor", "says", "the", "consumer", "owes", ".", ...

[ { "id": 0, "text": "Some people are concerned that collectors don't do much more than doublecheck that the amount in the validation notice is what the creditor says the consumer owes.", "start": 0, "end": 30, "type": "value" }, { "id": 1, "text": "THAT'S ALL THEY DO.", "start": 3...

[ { "head": 2, "tail": 3, "type": "evidence" }, { "head": 4, "tail": 5, "type": "reason" }, { "head": 4, "tail": 6, "type": "reason" }, { "head": 4, "tail": 7, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" }, { "head": ...

[ "Just", "like", "mortgage", "servicers", "are", "required", "to", "send", "\"", "goodbye", "letters", "\"", "(", "a", "notification", "of", "when", "loan", "has", "been", "sold", ")", "and", "\"", "hello", "letters", "\"", "(", "a", "notification", "of", ...

[ { "id": 0, "text": "Just like mortgage servicers are required to send \"goodbye letters\" (a notification of when loan has been sold) and \"hello letters\" (a notification of when another company is buying a debt), so also should debt collectors.", "start": 0, "end": 46, "type": "policy" }, ...

[ { "head": 2, "tail": 3, "type": "reason" } ]

[ "I", "should", "know", "if", "a", "debt", "is", "time", "-", "barred", ",", "so", "that", "I", "can", "make", "an", "informed", "decision", "regarding", "the", "debt", "in", "question", ".", "The", "information", "should", "be", "in", "the", "validation"...

[ { "id": 0, "text": "I should know if a debt is time-barred,", "start": 0, "end": 11, "type": "policy" }, { "id": 1, "text": "so that I can make an informed decision regarding the debt in question.", "start": 11, "end": 25, "type": "value" }, { "id": 2, "text":...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 2, "tail": 0, "type": "reason" } ]

[ "It", "has", "been", "my", "experience", "that", "practices", "can", "vary", "greatly", "between", "various", "creditors", "who", "find", "it", "necessary", "to", "turn", "delinquent", "or", "defaulted", "debt", "over", "to", "a", "collection", "agnency", ".",...

[ { "id": 0, "text": "It has been my experience that practices can vary greatly between various creditors who find it necessary to turn delinquent or defaulted debt over to a collection agnency.", "start": 0, "end": 29, "type": "testimony" }, { "id": 1, "text": "In my situation, little...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 2, "tail": 5, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" } ]

[ "Debt", "Collection", "companies", "get", "a", "very", "unfair", "debt", "negotiation", "advantage", "against", "an", "alleged", "defaulter", "when", "they", "hire", "an", "unscrupulous", "service", "company", "that", "has", "lied", "about", "giving", "a", "prop...

[ { "id": 0, "text": "Debt Collection companies get a very unfair debt negotiation advantage against an alleged defaulter when they hire an unscrupulous service company that has lied about giving a proper service or subservice to the alleged debtor's residence.", "start": 0, "end": 39, "type": "va...

[]

[ "If", "I", "have", "been", "falsely", "served", "or", "subserved", ",", "(", "the", "making", "up", "of", "a", "person", "who", "does", "not", "exist", "to", "claim", "a", "service", ",", "or", "simply", "stating", "\"", "Jane", "Doe", "\"", "received"...

[ { "id": 0, "text": "If I have been falsely served or subserved, (the making up of a person who does not exist to claim a service, or simply stating \"Jane Doe\" received the service) and the judges don't care, and the debt collection companies don't care, I should have the right to file an errors and omissi...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" } ]

[ "I", "also", "find", "the", "assertion", "that", "INVOLUNTARY", "DEFAULTERS", "don", "'", "t", "put", "up", "a", "legal", "defense", "because", "they", "are", "afraid", "or", "have", "a", "lack", "of", "knowledge", "about", "the", "legal", "system", "to", ...

[ { "id": 0, "text": "I also find the assertion that INVOLUNTARY DEFAULTERS don't put up a legal defense because they are afraid or have a lack of knowledge about the legal system to be outrageous.", "start": 0, "end": 34, "type": "value" }, { "id": 1, "text": "Strategic Defaulters sav...

[ { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 8, "tail": 9, "type": "reason" }, { "head": 10, "tail": 9, "type": "reason" } ]

[ "Possibly", "the", "most", "egregious", "action", "of", "all", "regarding", "credit", "card", "debt", "occurred", "in", "2002", ",", "suspiciously", "close", "to", "the", "911", "aftermath", ".", "While", "insurance", "companies", "were", "paying", "out", "ten...

[ { "id": 0, "text": "Possibly the most egregious action of all regarding credit card debt occurred in 2002, suspiciously close to the 911 aftermath.", "start": 0, "end": 22, "type": "value" }, { "id": 1, "text": "While insurance companies were paying out tens of millions of dollars to...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" }, { "head": 10, "tail": 9, "type": "reason" }, { "head": 15, "tail": 16, "type": "reason" } ]

[ "I", "have", "a", "common", "last", "name", ",", "and", "for", "about", "three", "years", "I", "was", "bombarded", "with", "collection", "calls", "for", "other", "individuals", "with", "my", "last", "name", "and", "first", "initial", ".", "I", "finally", ...

[ { "id": 0, "text": "I have a common last name,", "start": 0, "end": 7, "type": "testimony" }, { "id": 1, "text": "and for about three years I was bombarded with collection calls for other individuals with my last name and first initial.", "start": 7, "end": 29, "type": "t...

[ { "head": 1, "tail": 0, "type": "reason" }, { "head": 12, "tail": 11, "type": "reason" } ]

[ "As", "a", "mortgage", "lender", "for", "an", "FDIC", "-", "insured", "bank", ",", "I", "'", "m", "astounded", "at", "the", "number", "of", "customers", "who", "sit", "across", "from", "me", "and", "are", "wholly", "dumbfounded", "when", "I", "tell", "...

[ { "id": 0, "text": "As a mortgage lender for an FDIC-insured bank, I'm astounded at the number of customers who sit across from me and are wholly dumbfounded when I tell them their loan request is denied because of outstanding collections.", "start": 0, "end": 43, "type": "value" }, { "i...

[ { "head": 4, "tail": 2, "type": "reason" }, { "head": 8, "tail": 9, "type": "reason" } ]

[ "When", "mortgage", "holders", "transfer", "servicing", "of", "a", "mortgage", "loan", "to", "another", "creditor", ",", "they", "have", "rules", "in", "place", "as", "to", "informing", "the", "consumer", "that", "their", "loan", "has", "been", "sold", ".", ...

[ { "id": 0, "text": "When mortgage holders transfer servicing of a mortgage loan to another creditor, they have rules in place as to informing the consumer that their loan has been sold.", "start": 0, "end": 30, "type": "fact" }, { "id": 1, "text": "Apply the same standards to any deb...

[]

[ "The", "agency", "needs", "to", "be", "careful", "of", "new", "rules", "that", "will", ",", "though", "unintended", ",", "be", "harmful", "to", "the", "free", "market", ".", "However", ",", "it", "is", "important", "that", "litigation", "is", "monitored", ...

[ { "id": 0, "text": "The agency needs to be careful of new rules that will, though unintended, be harmful to the free market.", "start": 0, "end": 22, "type": "policy" }, { "id": 1, "text": "However, it is important that litigation is monitored to ensure that the system does not allow...

[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 7, "tail": 9, "type": "reason" }, { "head": 10, "tail": 11, "type": "reason" } ]

[ "There", "needs", "to", "be", "something", "in", "place", "to", "stop", "the", "frivilous", "law", "suits", "that", "agencies", "have", "to", "spend", "thousands", "of", "dollars", "to", "defend", "even", "though", "they", "have", "tried", "to", "explain", ...

[ { "id": 0, "text": "There needs to be something in place to stop the frivilous law suits that agencies have to spend thousands of dollars to defend even though they have tried to explain to the consumers / attorneys that there was no wrong doing and no case", "start": 0, "end": 44, "type": "poli...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "Debt", "collectors", "should", "not", "be", "allowed", "to", "alter", "their", "caller", "ID", "information", ".", "They", "call", "misrepresenting", "themselves", "as", "\"", "Process", "Servers", "\"", "inquiring", "information", "about", "another", "person", ...

[ { "id": 0, "text": "Debt collectors should not be allowed to alter their caller ID information.", "start": 0, "end": 13, "type": "policy" }, { "id": 1, "text": "They call misrepresenting themselves as \"Process Servers\" inquiring information about another person's debt.", "start...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 2, "tail": 3, "type": "reason" } ]

[ "First", ",", "a", "third", "party", "collecting", "on", "behalf", "of", "a", "lender", "isn", "'", "t", ",", "nor", "should", "be", ",", "defined", "as", "a", "furnisher", "of", "information", ".", "While", "the", "FDCPA", "requires", "notice", "specifi...

[ { "id": 0, "text": "First, a third party collecting on behalf of a lender isn't, nor should be, defined as a furnisher of information.", "start": 0, "end": 26, "type": "fact" }, { "id": 1, "text": "While the FDCPA requires notice specific to the validity of the debt,", "start": 2...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" }, { "head": 6,...

[ "As", "a", "Director", "for", "Collections", "now", "for", "Kennedy", "Space", "Center", "Federal", "Credit", "Union", ",", "which", "is", "over", "500", "Million", "in", "asset", "size", "I", "try", "as", "I", "have", "for", "prior", "union", "to", "fil...

[ { "id": 0, "text": "As a Director for Collections now for Kennedy Space Center Federal Credit Union, which is over 500 Million in asset size I try as I have for prior union to file suit closest to the Consumers current address.", "start": 0, "end": 40, "type": "testimony" }, { "id": 1, ...

[ { "head": 5, "tail": 4, "type": "reason" } ]

[ "Very", "confusing", "if", "I", "can", "pay", "my", "student", "loans", "directly", "to", "DOE", "or", "to", "one", "of", "the", "many", "private", "companies", "who", "have", "owned", "my", "loan", "over", "the", "years", ".", "They", "continue", "to", ...

[ { "id": 0, "text": "Very confusing if I can pay my student loans directly to DOE or to one of the many private companies who have owned my loan over the years.", "start": 0, "end": 29, "type": "value" }, { "id": 1, "text": "They continue to try to entice me to restructure the student...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 3, "tail": 1, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" } ]

[ "Most", "of", "the", "consumer", "debt", "I", "see", "if", "coming", "from", "debt", "buyers", "and", "the", "consumer", "doesn", "'", "t", "recognize", "the", "name", "or", "the", "amount", ".", "Many", "of", "these", "are", "beyond", "the", "statute", ...

[ { "id": 0, "text": "Most of the consumer debt I see if coming from debt buyers and the consumer doesn't recognize the name or the amount.", "start": 0, "end": 25, "type": "testimony" }, { "id": 1, "text": "Many of these are beyond the statute of limitations to file suit", "start"...

[ { "head": 4, "tail": 3, "type": "reason" }, { "head": 6, "tail": 7, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 9, "tail": 10, "type": "reason" }, { "head": 9, "tail": 11, "type": "reason" }, { "head": ...

[ "The", "price", "of", "paper", "(", "bad", "debt", ")", "varies", "depending", "on", "the", "collectability", "of", "the", "debt", "based", "on", "info", "known", "about", "the", "debtor", "and", "also", "varies", "based", "on", "the", "amount", "of", "d...

[ { "id": 0, "text": "The price of paper (bad debt) varies depending on the collectability of the debt based on info known about the debtor and also varies based on the amount of documentation purchased from the original creditor.", "start": 0, "end": 38, "type": "fact" }, { "id": 1, "...

[]

[ "The", "majority", "of", "the", "collection", "disputes", "I", "help", "my", "clients", "with", "are", "never", "validated", "with", "documentation", ".", "The", "CRA", "simply", "sends", "a", "letter", "stating", "that", "the", "debt", "was", "verified", "a...

[ { "id": 0, "text": "The majority of the collection disputes I help my clients with are never validated with documentation.", "start": 0, "end": 17, "type": "testimony" }, { "id": 1, "text": "The CRA simply sends a letter stating that the debt was verified", "start": 17, "end"...

[]

[ "The", "majority", "of", "the", "clients", "I", "work", "with", "try", "to", "settle", "their", "accounts", ".", "The", "main", "issue", "is", "that", "most", "of", "the", "collection", "companies", "will", "not", "provide", "the", "client", "with", "a", ...

[ { "id": 0, "text": "The majority of the clients I work with try to settle their accounts.", "start": 0, "end": 14, "type": "testimony" }, { "id": 1, "text": "The main issue is that most of the collection companies will not provide the client with a letter of agreement until after the...

[ { "head": 2, "tail": 3, "type": "evidence" } ]

[ "Unscrupulous", "debt", "collectors", "use", "this", "tactic", "trying", "to", "force", "people", "into", "agreeing", "to", "repay", "a", "debt", ".", "The", "threat", "of", "debt", "collection", "calls", "at", "work", "is", "a", "powerful", "incentive", "to...

[ { "id": 0, "text": "Unscrupulous debt collectors use this tactic trying to force people into agreeing to repay a debt.", "start": 0, "end": 17, "type": "value" }, { "id": 1, "text": "The threat of debt collection calls at work is a powerful incentive to repay a debt.", "start": 1...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "The", "Pro", "Publica", "piece", "on", "one", "\"", "installment", "\"", "loan", "lender", "has", "plenty", "of", "examples", "of", "harassment", "that", "goes", "over", "the", "line", "that", "is", "not", "covered", "by", "this", "language", "Truly", "dr...

[ { "id": 0, "text": "The Pro Publica piece on one \"installment\" loan lender has plenty of examples of harassment that goes over the line that is not covered by this language", "start": 0, "end": 29, "type": "fact" }, { "id": 1, "text": "Truly dreadful conduct.", "start": 29, ...

[]

[ "As", "a", "creditor", ",", "I", "can", "agree", "with", "this", "notification", "on", "medical", "services", "since", "most", "people", "receive", "bills", "from", "companies", "they", "never", "heard", "of", ".", "When", "it", "comes", "to", "auto", "loa...

[ { "id": 0, "text": "As a creditor, I can agree with this notification on medical services", "start": 0, "end": 13, "type": "value" }, { "id": 1, "text": "since most people receive bills from companies they never heard of.", "start": 13, "end": 25, "type": "fact" }, { ...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 3, "tail": 4, "type": "reason" } ]

[ "I", "was", "never", "informed", "by", "Bank", "of", "America", "that", "they", "sold", "my", "credit", "card", "and", "closed", "the", "card", ".", "When", "I", "realized", "it", ",", "I", "paid", "it", "off", "immediately", ".", "During", "that", "qu...

[ { "id": 0, "text": "I was never informed by Bank of America that they sold my credit card and closed the card.", "start": 0, "end": 19, "type": "testimony" }, { "id": 1, "text": "When I realized it, I paid it off immediately.", "start": 19, "end": 30, "type": "testimony" ...

[]

[ "Depends", "on", "the", "type", "of", "Bankruptcy", ".", "If", "it", "is", "a", "CH", "13", "many", "times", "the", "creditors", "receive", "more", "money", "than", "if", "they", "choose", "to", "forgive", "a", "portion", "of", "the", "debt", "and", "s...

[ { "id": 0, "text": "Depends on the type of Bankruptcy.", "start": 0, "end": 7, "type": "value" }, { "id": 1, "text": "If it is a CH 13 many times the creditors receive more money than if they choose to forgive a portion of the debt and settle direct with the consumer.", "start": ...

[ { "head": 1, "tail": 2, "type": "reason" } ]

[ "I", "am", "concerned", "about", "the", "perception", "consumers", "have", "concerning", "older", "debts", ".", "With", "the", "knowledge", "that", "this", "legislation", "is", "both", "to", "improve", "debt", "collection", "practices", "(", "helping", "the", ...

[ { "id": 0, "text": "I am concerned about the perception consumers have concerning older debts.", "start": 0, "end": 12, "type": "value" }, { "id": 1, "text": "With the knowledge that this legislation is both to improve debt collection practices (helping the credit industry) and to ed...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 7, "tail": 8, "type": "reason" }, { "head": 7, "tail": 9, "type": "reason" } ]

[ "If", "a", "consumer", "is", "notified", "that", "their", "debt", "has", "been", "sold", ",", "there", "should", "be", "a", "way", "to", "contact", "the", "original", "creditor", "to", "verify", ".", "e", ".", "there", "should", "be", "a", "paper", "tr...

[ { "id": 0, "text": "If a consumer is notified that their debt has been sold, there should be a way to contact the original creditor to verify.", "start": 0, "end": 25, "type": "policy" }, { "id": 1, "text": "e. there should be a paper trail", "start": 25, "end": 33, "type...

[ { "head": 0, "tail": 2, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" }, { "head": 1, "tail": 4, "type": "reason" }, { "head": 4, "tail": 3, "type": "reason" } ]

[ "If", "a", "consumer", "sends", "a", "post", "dated", "check", "(", "s", ")", "and", "it", "bounces", "then", "it", "may", "not", "fall", "under", "the", "bad", "check", "enforcement", ".", "Also", ",", "consumers", "use", "ACH", "capability", "to", "r...

[ { "id": 0, "text": "If a consumer sends a post dated check(s) and it bounces then it may not fall under the bad check enforcement.", "start": 0, "end": 25, "type": "value" }, { "id": 1, "text": "Also, consumers use ACH capability to repay a debt,", "start": 25, "end": 36, ...

[ { "head": 2, "tail": 1, "type": "reason" }, { "head": 5, "tail": 4, "type": "reason" } ]

[ "while", "this", "isn", "'", "t", "the", "best", "forum", "for", "me", "to", "go", "into", "my", "company", "'", "s", "entire", "collection", "process", ",", "we", "work", "a", "debt", "for", "at", "least", "120", "days", "with", "letters", ",", "liv...

[ { "id": 0, "text": "while this isn't the best forum for me to go into my company's entire collection process, we work a debt for at least 120 days with letters, live agent calls, robo calls, emails, mailed invoices, and by suspending subscription service (where allowed) as part of our collection campaign.",...

[]

[ "The", "CFPB", "should", "require", "debt", "sellers", "to", "contact", "the", "debtor", "and", "inform", "them", "the", "debt", "has", "been", "sold", ".", "Additionally", ",", "ALL", "pertinent", "information", "must", "be", "given", "to", "the", "debtor",...

[ { "id": 0, "text": "The CFPB should require debt sellers to contact the debtor and inform them the debt has been sold.", "start": 0, "end": 19, "type": "policy" }, { "id": 1, "text": "Additionally, ALL pertinent information must be given to the debtor to eliminate any confusion.", ...

[ { "head": 0, "tail": 3, "type": "reason" }, { "head": 1, "tail": 3, "type": "reason" }, { "head": 2, "tail": 3, "type": "reason" } ]

[ "The", "idea", "is", "sound", "in", "principle", ",", "but", "as", "any", "technology", "geared", "towards", "convienance", ",", "there", "are", "risks", "against", "privacy", "encouraging", "identity", "theft", ".", "Having", "creditors", ",", "collectors", "...

[ { "id": 0, "text": "The idea is sound in principle,", "start": 0, "end": 7, "type": "value" }, { "id": 1, "text": "but as any technology geared towards convienance, there are risks against privacy encouraging identity theft.", "start": 7, "end": 24, "type": "value" }, ...

[ { "head": 3, "tail": 4, "type": "reason" }, { "head": 3, "tail": 5, "type": "reason" } ]

[ "security", "would", "be", "paramound", ".", "Since", "the", "weaknesses", "in", "current", "authentication", "practices", "financial", "institutions", "/", "others", "covered", "by", "FACTA", "and", "the", "FCRA", "are", "not", "within", "the", "scope", "of", ...

[ { "id": 0, "text": "security would be paramound.", "start": 0, "end": 5, "type": "value" }, { "id": 1, "text": "Since the weaknesses in current authentication practices financial institutions/others covered by FACTA and the FCRA are not within the scope of this legislation,", "st...

[ { "head": 2, "tail": 1, "type": "reason" } ]

[ "I", "strongly", "endore", "drose977", "'", "s", "response", ".", "Currently", ",", "debt", "collection", "agencies", "can", "sell", "debt", "without", "proper", "validation", ".", "Or", "they", "can", "sell", "the", "debt", "if", "a", "consumer", "disputes"...

[ { "id": 0, "text": "I strongly endore drose977's response.", "start": 0, "end": 8, "type": "value" }, { "id": 1, "text": "Currently, debt collection agencies can sell debt without proper validation.", "start": 8, "end": 20, "type": "fact" }, { "id": 2, "text":...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 0, "tail": 3, "type": "reason" }, { "head": 0, "tail": 4, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" }, { "head": 4,...

[ "The", "most", "common", "consumer", "contact", "my", "firm", "receives", "as", "a", "dispute", "is", "the", "comment", "by", "the", "consumer", "on", "a", "call", "with", "the", "agency", "that", "\"", "it", "'", "s", "not", "my", "debt", "\"", ".", ...

[ { "id": 0, "text": "The most common consumer contact my firm receives as a dispute is the comment by the consumer on a call with the agency that \"it's not my debt\".", "start": 0, "end": 33, "type": "testimony" }, { "id": 1, "text": "While that may be a true statement in some cases,...

[]

[ "Consumers", "should", "not", "be", "allowed", "to", "dispute", "a", "debt", "using", "identity", "theft", "as", "a", "reason", "without", "proof", "as", "well", ".", "Otherwise", "some", "consumers", "will", "\"", "game", "\"", "the", "system", "and", "ma...

[ { "id": 0, "text": "Consumers should not be allowed to dispute a debt using identity theft as a reason without proof as well.", "start": 0, "end": 20, "type": "policy" }, { "id": 1, "text": "Otherwise some consumers will \"game\" the system and make false disputes.", "start": 20,...

[ { "head": 0, "tail": 1, "type": "reason" } ]

[ "I", "currently", "have", "an", "alias", "on", "my", "Credit", "report", "that", "I", "have", "NEVER", "gone", "by", ".", "I", "'", "ve", "disputed", "this", "serveral", "times", "and", "I", "can", "'", "t", "get", "this", "alias", "and", "the", "rel...

[ { "id": 0, "text": "I currently have an alias on my Credit report that I have NEVER gone by.", "start": 0, "end": 16, "type": "testimony" }, { "id": 1, "text": "I've disputed this serveral times", "start": 16, "end": 23, "type": "testimony" }, { "id": 2, "text...

[ { "head": 3, "tail": 0, "type": "reason" }, { "head": 3, "tail": 1, "type": "reason" }, { "head": 3, "tail": 2, "type": "reason" }, { "head": 4, "tail": 5, "type": "reason" }, { "head": 5, "tail": 8, "type": "reason" }, { "head": 6,...

[ "The", "CFPB", "should", "ban", "workplace", "calls", "completely", ".", "Consumers", "provided", "a", "home", "phone", "number", "when", "they", "take", "on", "the", "debt", "and", "that", "should", "be", "the", "number", "they", "call", "to", "collect", ...

[ { "id": 0, "text": "The CFPB should ban workplace calls completely.", "start": 0, "end": 8, "type": "policy" }, { "id": 1, "text": "Consumers provided a home phone number when they take on the debt", "start": 8, "end": 20, "type": "fact" }, { "id": 2, "text": ...

[ { "head": 0, "tail": 1, "type": "reason" }, { "head": 0, "tail": 2, "type": "reason" }, { "head": 4, "tail": 6, "type": "reason" }, { "head": 4, "tail": 7, "type": "reason" }, { "head": 7, "tail": 6, "type": "reason" } ]

[ "More", "information", "to", "the", "consumer", "with", "the", "initial", "notification", "would", "be", "more", "confusing", "and", "intimidating", "than", "it", "already", "is", "for", "them", ".", "Simplifying", "the", "initial", "notification", "while", "inc...

[ { "id": 0, "text": "More information to the consumer with the initial notification would be more confusing and intimidating than it already is for them.", "start": 0, "end": 22, "type": "value" }, { "id": 1, "text": "Simplifying the initial notification while including information ab...

[ { "head": 1, "tail": 0, "type": "reason" }, { "head": 1, "tail": 2, "type": "reason" }, { "head": 1, "tail": 3, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" } ]

[ "my", "in", "-", "laws", "had", "the", "same", "issue", "with", "BoA", ".", "They", "paid", "their", "mortgate", "EARLY", "every", "month", "and", "still", "were", "reported", "as", "late", "every", "month", ".", "This", "is", "tragic", "and", "ruined", ...

[ { "id": 0, "text": "my in-laws had the same issue with BoA.", "start": 0, "end": 11, "type": "testimony" }, { "id": 1, "text": "They paid their mortgate EARLY every month and still were reported as late every month.", "start": 11, "end": 27, "type": "testimony" }, { ...

[ { "head": 2, "tail": 3, "type": "reason" }, { "head": 5, "tail": 6, "type": "reason" } ]

[ "As", "someone", "who", "regularly", "reviews", "credit", "reports", ",", "I", "am", "appalled", "by", "a", "practice", "I", "see", "regularly", ".", "Debt", "Collectors", "frequently", "resubmit", "the", "report", "of", "a", "debt", "as", "delinquent", "eve...

[ { "id": 0, "text": "As someone who regularly reviews credit reports,", "start": 0, "end": 8, "type": "testimony" }, { "id": 1, "text": "I am appalled by a practice I see regularly.", "start": 8, "end": 18, "type": "value" }, { "id": 2, "text": "Debt Collectors...

[]

[ "If", "federal", "rules", "can", "be", "ignored", "by", "local", "/", "municipal", "/", "state", "laws", "then", "the", "federal", "laws", "are", "irrelevant", ".", "Consumer", "credit", "is", "recognized", "in", "all", "50", "states", "and", "internationall...

[ { "id": 0, "text": "If federal rules can be ignored by local/municipal/state laws then the federal laws are irrelevant.", "start": 0, "end": 20, "type": "value" }, { "id": 1, "text": "Consumer credit is recognized in all 50 states and internationally.", "start": 20, "end": 31...

[]

[ "Calling", "someone", "'", "s", "work", "is", "clearly", "and", "without", "dispute", "intended", "to", "embarrass", "and", "annoy", ".", "It", "is", "never", "acceptable", "." ]

[ { "id": 0, "text": "Calling someone's work is clearly and without dispute intended to embarrass and annoy.", "start": 0, "end": 16, "type": "value" }, { "id": 1, "text": "It is never acceptable.", "start": 16, "end": 21, "type": "value" } ]

[ { "head": 1, "tail": 0, "type": "reason" } ]