Precision credit intelligence. Litigation-grade dispute letter drafts, FCRA/FDCPA violation analysis, and CoVe-verified legal training data. Sovereign. No SaaS. Your data stays yours.
Section 623 furnisher disputes. Section 611 bureau disputes. Metro 2 compliance.
Debt Validation
30-day validation demands. Chain of title verification. FDCPA procedural compliance.
Bureau Analysis
Investigation response analysis. Mixed file detection. Obsolete data identification.
Litigation Drafts
FCRA/FDCPA complaint drafts. Factual basis. Causes of action. Damages analysis.
Sample Verified Pair
FCRA — Section 623 Dispute
Q: A consumer discovers a charged-off account on their Equifax report that was actually paid in full 8 months ago. The original creditor (Capital One) acknowledged payment but the tradeline still shows "Charge-Off" with a balance of $4,200. What are the FCRA violations and what dispute strategy should be employed?
A: This scenario presents clear FCRA violations under 15 USC §1681s-2(a)(1)(A) — the furnisher (Capital One) has a duty to report accurate information and is currently furnishing materially inaccurate data by reporting a $4,200 balance on a paid account. The charge-off status itself is not necessarily wrong (the account was charged off), but the balance must reflect $0 and the notation should read "Paid Charge-Off" or "Charge-Off — Paid in Full."
Strategy: (1) Send a Section 623 direct-to-furnisher dispute letter to Capital One via certified mail, citing 15 USC §1681s-2(b) and attaching payment confirmation. Demand correction within 30 days per the investigation timeline. (2) Simultaneously file a Section 611 dispute with Equifax, triggering their 30-day reinvestigation obligation under 15 USC §1681i(a)(1)(A). (3) If Capital One fails to investigate or correct, they face statutory damages of $100–$1,000 per violation under 15 USC §1681n, plus actual damages and attorney's fees.
This analysis is for educational purposes. Consult a consumer rights attorney for advice specific to your situation.
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Sample Pack
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5 curated platinum credit law QA pairs. FCRA violations, dispute letters, debt validation. See the quality before you buy.
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$9.99
100+ platinum dispute letter templates covering Section 623 furnisher disputes, Section 611 bureau disputes, FDCPA debt validation demands, and bureau response analysis pairs.
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Full Credit Vault
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Complete platinum credit law QA dataset. All 8 templates: FCRA violations, FDCPA violations, Section 623/611 disputes, debt validation, bureau response analysis, credit report audits, and litigation drafts.
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Full vault access with priority updates, dedicated Slack channel, and quarterly regulatory compliance briefs. Built for credit repair companies and consumer rights law firms.
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4-stage quality gate with legal accuracy rubric. Statute citations, procedural timelines, damages analysis — all verified.
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QA Templates
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Quality Gates
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Rubric Dimensions
FAQ
What format is the data in?
All packs are delivered as JSONL files in a ZIP archive. Each line contains a verified question-answer pair with metadata including CoVe verification results, quality scores, and legal accuracy rubric dimensions.
Can I use this to train my own credit dispute model?
Yes. The data is specifically formatted for supervised fine-tuning. Each pair follows a consistent instruction format optimized for 7B-8B parameter models. The license permits commercial model training — see Terms for details.
Is this legal advice?
No. CreditSniper provides AI training data and dispute letter templates for educational and informational purposes. Every pair includes appropriate disclaimers. This is not a substitute for advice from a licensed attorney. Always consult a consumer rights attorney for your specific situation.
What is CoVe verification?
Chain-of-Verification (CoVe) is a 4-step self-verification protocol: Plan (extract claims), Execute (independently verify each claim with a 235B parameter model), Compare (check for contradictions), and Revise. Every platinum pair survives this process. Claims that fail are either rewritten using only verified facts or rejected entirely.
How current is the legal data?
Our harvester continuously monitors CFPB complaints, CourtListener federal opinions, FTC enforcement actions, and regulatory updates. Pro and Enterprise subscribers receive monthly updates incorporating new case law and regulatory changes.
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