Tools

Free tools for the moment you're actually dealing with a collector, a lawsuit, or a credit report error — not just reference material. Everything here is either sourced live from CFPB data or generated entirely in your browser; the letter generators never send what you type to our servers.

• Complaint Lookup

  CFPB complaint history for a specific company — total volume, top issues, and trend.

• Complaint Trends

  CFPB complaint volume by category, nationally and by state.

• Who Called Me?

  Crowdsourced reverse lookup for a number that called claiming to be a debt collector.

• Debt Validation Letter Generator

  Generate an FDCPA debt validation letter demanding a collector prove the debt is real and yours.

• Credit Report Dispute Letter Generator

  Generate an FCRA dispute letter to a bureau or furnisher for inaccurate credit reporting.

• Hardship Letter / Financial Affidavit Generator

  Generate a financial hardship statement to negotiate a payment plan, settlement, or forbearance.

• Bank Levy — Protected Federal Benefits Calculator

  Estimate how much of a frozen bank account is automatically protected under federal law.