consumer-harm-documentation

Use this skill to build documentation and evidence for FCRA or consumer claims. Triggers include "document my damages", "prove harm", "record the call", "they hung up on me", "track postage and time", "communication log", "harm log", "damages worksheet", "emotional distress", "wearable data", "written breakdown from creditor", "settlement value". Covers logging communications, call-recording consent rules (verify by state), capturing hang-ups as bad-faith evidence, filming online interactions, harm taxonomy (higher interest, denials, insurance hikes, "firm books" log), requesting cost breakdowns, and documenting emotional distress. Produces communication logs, harm ledgers, and harm-declaration scaffolds. Composes with consumer-report-ordering, consumer- credit-disputes, consumer-report-accuracy, consumer-credit- monitoring, state *-consumer-debt bundles, and state *-pro-se.