reglab/housing_qa huggingface dataset:
AZ Rev Stat § 44-1694 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1694 - Correction of credit reports

44-1694.  Correction of credit reports A. If any consumer disputes the accuracy of any item in the consumer's records with any consumer reporting agency,  the consumer may give notice in writing to the consumer reporting agency specifying in what manner the report is inaccurate and the consumer reporting agency shall reinvestigate the inaccuracy at no charge to the consumer and record the current status of the disputed information. The consumer reporting agency shall provide forms for such notice and shall assist a consumer in preparing the notice when requested. B. Within thirty days after receiving a notice of inaccuracy,  a consumer reporting agency shall deny or admit the inaccuracy to the consumer in writing. If the consumer reporting agency denies the inaccuracy,  the consumer reporting agency shall include the following information with the written results of the reinvestigation: 1. The basis for the denial. 2. A copy of the consumer's file that is based on the consumer's file as revised as a result of the reinvestigation,  including the business name and address of any furnisher of information who was contacted in connection with that information and,  if reasonably available,  the telephone number of the furnisher. 3. A notice that states that,  if requested by the consumer,  the consumer reporting agency shall provide the consumer with a description of the procedure used by the consumer reporting agency to determine the accuracy and completeness of the information. C. If the consumer reporting agency admits that the item is inaccurate,  it shall immediately correct the item in its records and,  on request by the consumer,  it shall inform any person who within the last six months has previously received a report containing such inaccurate information. D. A consumer may provide a statement to the consumer reporting agency and,  unless there are reasonable grounds to believe that it is frivolous or irrelevant,  the consumer reporting agency shall include the statement in the consumer's file if either of the following applies: 1. The statement is a written explanation regarding an item of information that the consumer reporting agency denies is inaccurate. 2. The statement is regarding the contents of the consumer's file. The consumer may provide such a statement at any time,  and the consumer reporting agency shall not charge the consumer for the statement. E. A consumer reporting agency may limit a consumer's statement as described in subsection D to not more than one hundred words if the consumer reporting agency provides the consumer with assistance in writing the statement.
AZ Rev Stat § 44-1695 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1695 - Liability

44-1695.  Liability A. A consumer reporting agency or information source is not liable to any consumer resulting from: 1. Reporting inaccurate information corrected in compliance with sections 44-1694 and 44-1698 except as provided in this section. 2. Failing to lift a security freeze pursuant to section 44-1698,  subsection G. B. A consumer reporting agency is liable for any damages and attorney fees and court costs that are incurred by a consumer and that result from reporting of inaccurate information that a consumer reporting agency refuses to correct as provided in section 44-1694. C. Any consumer reporting agency,  user of information or source of information that is grossly negligent in the use or preparation of a consumer report or that acts wilfully and maliciously with intent to harm a consumer is liable to the consumer for actual damages,  if any,  punitive damages and attorney fees and court costs. If a consumer reporting agency prepares a consumer report,  the consumer reporting agency shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the consumer who is the subject of the consumer report. D. Under section 44-1698,  any consumer reporting agency that is grossly negligent or that acts wilfully and maliciously with intent to harm a consumer is liable to the consumer for actual damages,  if any,  attorney fees and court costs for the following: 1. Failing to implement a security freeze. 2. Releasing a credit report or credit score if a security freeze has been placed by the consumer. 3. Failing to remove a security freeze at the consumer's request.
AZ Rev Stat § 44-1696 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1696 - Unlawful acts; classification

44-1696.  Unlawful acts;  classification A. Any person who requests or obtains a consumer report from a consumer reporting agency under false pretenses or furnishes a consumer report to any person except as prescribed by this article or any employee of a consumer reporting agency who knowingly falsifies a consumer report or any records relating thereto shall be guilty of a class 1 misdemeanor. B. Any person or the agent,  clerk or employee thereof,  who knowingly makes,  causes to be made,  or permits to be made,  any false statement to any consumer reporting agency for the purpose of having such false information reported on a consumer report,  shall be guilty of a class 1 misdemeanor. C. Any consumer reporting agency,  or the agent,  clerk or employee thereof,  who knowingly violates any provision of this article,  shall be guilty of a class 1 misdemeanor.
AZ Rev Stat § 44-1697 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1697 - Fair credit reporting

44-1697.  Fair credit reporting A. If a consumer makes a payment on a credit or loan account to the proper address to which the payment should be directed,  a person shall calculate the number of days by which an account is delinquent by determining the number of days between the scheduled due date of the payment and the date the payment was received by that person. B. If a person uses a reporting standard that requires a calculation of the number of days an account is delinquent,  the person may report the delinquency based only on the number of days of the delinquency plus not more than four days.
AZ Rev Stat § 44-1698.01 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1698.01 - Consumer credit reports; extension of credit; identity theft; definition

44-1698.01.  Consumer credit reports;  extension of credit;  identity theft;  definition A. Any person who does not use a consumer credit report in connection with the approval of credit based on the application for an extension of credit shall not lend money or extend credit without taking reasonable steps to verify the consumer's identity and confirm that the application for an extension of credit is not the result of taking the identity of another person or entity pursuant to section 13-2008 or aggravated taking the identity of another person or entity pursuant to section 13-2009. B. Any person who uses a consumer credit report in connection with the approval of credit based on the application for an extension of credit shall not lend money or extend credit without taking reasonable steps to verify the consumer's identity and confirm that the application for an extension of credit is not the result of taking the identity of another person or entity pursuant to section 13-2008 or aggravated taking the identity of another person or entity pursuant to section 13-2009 if either of the following applies: 1. The creditor has received notification that a police report has been filed with a consumer reporting agency and that the applicant has been a victim of an offense involving a violation of section 13-2008 or 13-2009. 2. The creditor has received notification that the consumer has placed a fraud alert or security freeze on the consumer's credit report. C. In an action to collect on a debt as a result of an extension of credit,  if a consumer proves by a preponderance of the evidence that an extender of credit extended the credit in violation of this section,  the finder of fact may infer someone other than the consumer applied for and received the benefit of the extension of credit. D. An act or practice in violation of this section is an unlawful practice under section 44-1522 and is subject to enforcement through private action and by the attorney general. Injunctive relief may be sought to prevent future violations of this section. The remedies provided in this section are not intended to be the exclusive remedies available to a person whose identity was used to secure an extension of credit in violation of this section. E. For the purposes of this section,  extension of credit does not include an increase in an existing open-end credit plan,  as defined in regulation Z of the federal reserve system,  12 Code of Federal Regulations section 226.2,  or any change to or review of an existing credit account. F. Financial institutions that are required to have a customer identification program pursuant to 31 Code of Federal Regulations section 103.121 are exempt from this section. G. For the purposes of this section,  " reasonable steps"  means any commercially reasonable action taken by an extender of credit that is intended to improve identity verification or confirmation or to lessen the likelihood of a violation of sections 13-2008 and 13-2009.
AZ Rev Stat § 44-1701 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1701 - Definitions

44-1701.  Definitions In this article,  unless the context otherwise requires: 1. " Buyer"  means any natural person who is solicited to purchase or who purchases the services of a credit services organization. 2. " Credit services organization"  means a person who,  with respect to the extension of credit by others,  sells,  provides,  performs or represents that he can or will sell,  provide or perform any of the following services in return for the payment of monies or other valuable consideration: (a) Improving a buyer's credit record,  history or rating. (b) Obtaining an extension of credit for a buyer. (c) Providing advice or assistance to a buyer with regard to either subdivision (a) or (b) of this paragraph. 3. " Extension of credit"  means the right to defer payment of debt or to incur debt and defer its payment,  which is offered or granted primarily for personal,  family or household purposes.
AZ Rev Stat § 44-1702 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1702 - Exemptions

44-1702.  Exemptions This article does not apply to: 1. A person who is organized,  chartered or holding a license or authorization certificate to make loans or extensions of credit pursuant to the laws of this state or the United States and who is subject to regulation and supervision by an official or agency of this state or the United States. 2. A bank or savings and loan institution whose deposits or accounts are eligible for insurance by the federal deposit insurance corporation or the federal savings and loan insurance corporation. 3. A person licensed as a real estate broker by this state if the person is acting within the course and scope of that license. 4. A person licensed to practice law in this state if the person renders services within the course and scope of his practice as an attorney at law. 5. A broker-dealer registered with the securities and exchange commission or the commodity futures trading commission if the broker-dealer is acting within the course and scope of such regulation. 6. Any nonprofit organization exempt from taxation under section 501(c)(3) of the internal revenue code.
AZ Rev Stat § 44-1703 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1703 - Credit services organizations; prohibited activities

44-1703.  Credit services organizations;  prohibited activities A credit services organization and its salespersons,  agents and representatives who sell or attempt to sell the services of a credit services organization shall not do any of the following: 1. Charge or receive monies or other valuable consideration before full and complete performance of the services the credit services organization has agreed to perform for or on behalf of the buyer,  unless the credit services organization,  in conformity with section 44-1708,  has obtained a surety bond issued by a surety company authorized to do business in this state. If a credit services organization is in compliance with this paragraph,  the salesperson,  agents and representatives who sell the services of the organization are not required to obtain the surety bond provided for in section 44-1708. 2. Charge or receive monies or other valuable consideration solely for referral of the buyer to a retail seller who will or may extend credit to the buyer,  if the credit which is or will be extended to the buyer is on substantially the same terms as those available to the general public. 3. Make or counsel or advise a buyer to make any statement which is untrue or misleading and which is known,  or which by the exercise of reasonable care should be known,  to be untrue or misleading to a consumer credit reporting agency or to any person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit,  with respect to a buyer's credit worthiness,  credit standing or credit capacity. 4. Make or use any untrue or misleading representations in the offer or sale of the services of a credit services organization or engage,  directly or indirectly,  in an act,  practice or course of business which operates or would operate as a fraud or deception on a person in connection with the offer or sale of the services of a credit services organization.
AZ Rev Stat § 44-1704 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1704 - Information statement; necessity and time of delivery to buyer; acknowledgment of delivery; retention on file

44-1704.  Information statement;  necessity and time of delivery to buyer;  acknowledgment of delivery;  retention on file Before the execution of a contract or agreement between the buyer and a credit services organization or before the receipt by the credit services organization of monies or other valuable consideration,  whichever occurs first,  the credit services organization shall provide the buyer with a statement,  in writing,  containing all the information required by section 44-1705. The credit services organization shall maintain on file or microfilm for a period of two years an exact copy of the statement,  personally signed by the buyer,  acknowledging receipt of a copy of the statement.
AZ Rev Stat § 44-1705 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1705 - Information statement; contents

44-1705.  Information statement;  contents The information statement shall include all of the following: 1. A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer credit reporting agency and the right of the buyer to receive a copy of that file,  as provided by section 44-1693. The statement shall include the approximate price the buyer will be charged by the credit reporting agency for a copy of the file. 2. A complete and accurate statement of the buyer's right to dispute the completeness or accuracy of any item contained in any file on the buyer maintained by any consumer credit reporting agency as provided by section 44-1694. 3. A complete and detailed description of the services to be performed by the credit services organization for or on behalf of the buyer and the total amount the buyer has to pay,  or become obligated to pay,  for the services. 4. If the credit services organization is required to obtain a surety bond pursuant to section 44-1703,  the statement shall set forth both of the following: (a) The buyer's right to proceed against the bond under the circumstances and in the manner set forth in section 44-1708. (b) The name and address of the surety company which issued the bond.
AZ Rev Stat § 44-1706 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1706 - Contracts; requirements; contents

44-1706.  Contracts;  requirements;  contents A. Every contract between the buyer and a credit services organization for the purchase of the services of the credit services organization must be in writing,  be dated,  be signed by the buyer and include all of the following: 1. A conspicuous statement in size equal to at least ten point type in immediate proximity to the space reserved for the signature of the buyer as follows: You,  the buyer,  may cancel this contract at any time before midnight of the third day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right. 2. The terms and conditions of payment,  including the total of all payments to be made by the buyer,  whether to the credit services organization or to some other person. 3. A full and detailed description of the services to be performed by the credit services organization for the buyer,  including all guarantees and all promises of full or partial refunds,  and the estimated date by which the services are to be performed or the estimated length of time for performing the services. 4. The credit services organization's principal business address and the name and address of its agent authorized to receive service of process. B. The contract shall be accompanied by a completed form in duplicate,  entitled " notice of cancellation" ,  which shall be attached to the contract and easily detachable and which shall contain in at least ten point type the following statement written in the same language as used in the contract: Notice of Cancellation You may cancel this contract without any penalty or obligation within three days from the date the contract is signed. If you cancel,  any payment made by you under this contract will be returned within fifteen days after receipt by the credit services organization of your cancellation notice. To cancel this contract,  mail or deliver a signed and dated copy of this cancellation notice,  or any other written notice,  to (name of credit services organization) _______________________________________________ at (address of credit services organization) (place of business) __________________________________________________________ _________________ not later than midnight (date) ________________. I hereby cancel this transaction. (date) ________________ (purchaser's signature) _________________________________ C. A copy of the fully completed contract and all other documents the credit services organization requires the buyer to sign shall be given to the buyer at the time they are signed.
AZ Rev Stat § 44-1707 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1707 - Credit service organization's breach of contract or obligation; violation of article

44-1707.  Credit service organization's breach of contract or obligation;  violation of article The credit services organization's breach of a contract under this article or of any obligation arising from the contract constitutes a violation of this article.
AZ Rev Stat § 44-1708 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1708 - Surety bond; procedures to obtain or establish; claim by action at law; limit of liability

44-1708.  Surety bond;  procedures to obtain or establish;  claim by action at law;  limit of liability A. If a credit services organization is required to obtain a surety bond pursuant to section 44-1703,  the following procedures apply: 1. A copy of the bond shall be filed with the corporation commission. 2. The bond required shall be in favor of this state for the benefit of any person who is damaged by any violation of this article. The bond shall also be in favor of any person damaged by the practices. 3. A person claiming against the bond for a violation of this article may maintain an action at law against the credit services organization and against the surety. B. The surety is liable only for actual damages and not the punitive damages permitted under section 44-1711. The aggregate liability of the surety to all persons damaged by a credit services organization's violation of this article shall in no event exceed the amount of the bond. C. The bond shall be in an amount equal to five per cent of the total amount of the fees charged buyers by the credit services organization under the contracts entered into between the credit services organization and the buyers during the previous twelve months,  but in no case shall the bond be less than five thousand dollars or more than twenty-five thousand dollars. The amount required shall be adjusted once a year,  no later than the tenth day of the first month of the credit services organization's fiscal year.
AZ Rev Stat § 44-1709 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1709 - Waiver of rights by buyer; prohibition; burden of proof on exemption or exception from article

44-1709.  Waiver of rights by buyer;  prohibition;  burden of proof on exemption or exception from article A. A waiver by a buyer of the provisions of this article is deemed contrary to public policy and is void and unenforceable. An attempt by a credit services organization to have a buyer waive rights given by this article consitutes a violation of this article. B. In any proceeding involving this article the burden of proving an exemption or an exception is on the person claiming it.
AZ Rev Stat § 44-1710 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1710 - Violation; classification; enforcement

44-1710.  Violation;  classification;  enforcement A. A person who violates section 44-1703,  44-1704,  44-1705,  44-1706 or section 44-1709,  subsection A,  is guilty of a class 1 misdemeanor. B. The superior court has jurisdiction to restrain and enjoin any violation of this article. C. The duty to institute actions for violations of this article,  including proceedings to restrain and enjoin such a violation,  is vested in the attorney general,  county attorneys and city attorneys. The attorney general,  a county attorney or a city attorney may prosecute misdemeanor actions or institute proceedings to restrain and enjoin such violations,  or both. D. This section does not prohibit the enforcement by a person of a right provided by this or any other law. E. The class 1 misdemeanor provision of this section does not apply to a seller's breach of a contract subject to this article.
AZ Rev Stat § 44-1711 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1711 - Action for recovery of damages by buyer

44-1711.  Action for recovery of damages by buyer A buyer injured by a violation of this article or by the credit services organization's breach of a contract subject to this article may bring any action for recovery of damages. Judgment shall be entered for actual damages,  but in no case less than the amount paid by the buyer to the credit services organization,  plus reasonable attorney fees and costs. If the trial court deems it proper,  the court may enter an award for punitive damages.
AZ Rev Stat § 44-1712 (2021)
2021 Arizona Revised Statutes|Title 44 - Trade and Commerce|§ 44-1712 - Application of other laws; remedies as additional

44-1712.  Application of other laws;  remedies as additional A. The provisions of this article are not exclusive and do not relieve the parties or the contracts subject to this article from compliance with any other applicable provision of law. B. The remedies provided in this article for a violation of this article are in addition to any other procedures or remedies for any violation or conduct provided for in any other law.