Get bank fees waived, dispute card charges, lower your APR and avoid debt traps. Pick one, copy the prompt, and follow the steps.
Reported$50 fee refunded in under 5 min
Ask AI for a short, friendly goodwill script for overdraft, wire, ATM, late or minimum-balance fees, then call.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
ReportedDispute approved, money back in 5 days
Use AI to organize evidence, use the right terms and write a dispute that card issuers can approve quickly.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
A short, prepared call asking for a lower APR, citing your payment history and competing offers, costs nothing and sometimes works.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
GuideSteps + prompt · no verified example yet
List your debts and AI will build a month-by-month payoff plan, comparing highest-rate-first with smallest-balance-first.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
Reported$24 renewal refunded
Use AI to write a firm, documented refund request, and escalate through your payment provider if needed.
Free option available (Paid upgrades exist, but the free version works for this)
Subscriptions & Refunds
Reported$4,200 charge removed, account marked paid
Have a chatbot read your bill and explanation of benefits (EOB), flag a charge that doesn't belong, and write the dispute letter for you.
Free option available (Paid upgrades exist, but the free version works for this)
Medical Bills & Health Insurance
Reported₹35,000 deposit returned within days
If your landlord is silent or keeps unfair deductions, a calm, specific demand letter that cites your local deposit rules often gets results.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
Pull your free reports, have AI help spot inaccuracies, and send clear, individual disputes to the credit bureaus and the company that reported it.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
If a collector contacts you about a debt you don't recognize, a written dispute within 30 days makes them verify it before collecting.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
Since May 2025, an FTC rule requires hotels, vacation rentals and live-event ticket sellers to show the total price upfront.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
If a bank, lender, card issuer or collector won't resolve an issue, a clear CFPB complaint gets it in front of the company's escalation team.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
For unauthorized electronic transfers, how quickly you report affects how much you can lose. AI can help you report clearly and on time.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
Didn't workHonest result: £90 penalty upheld despite an AI letter
AI can draft a clear appeal based on the facts and the rules printed on the notice, but a well-written letter isn't enough without valid grounds.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
If a product fails during its warranty, a claim that quotes the warranty terms and lays out the facts is harder to brush off.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
Balance transfers can save interest, but fees, promo end dates and new purchases can wipe out the savings. AI can run the numbers.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
GuideSteps + prompt · no verified example yet
Federal repayment options changed in 2026. Use studentaid.gov's Repayment Calculator, then have AI explain the trade-offs in plain English.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
GuideSteps + prompt · no verified example yet
Debt relief offers can cost a lot and damage credit. AI can check an offer against FTC rules and red flags, and compare free alternatives.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
GuideSteps + prompt · no verified example yet
Payday loans can carry very high costs. AI can help you compare alternatives like credit union payday alternative loans and payment plans.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
GuideSteps + prompt · no verified example yet
If a demand letter doesn't work, small claims court is built for disputes like this. AI can help you organize evidence and a short, clear statement for the judge.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
Photos, a pre-move-out inspection and a written forwarding address make deposit disputes much easier to win. AI can turn your lease into a move-out checklist.
Free option available (Paid upgrades exist, but the free version works for this)
Disputes & Fees
GuideSteps + prompt · no verified example yet
You have the right to tell a debt collector to stop contacting you. A short written letter based on the CFPB's sample does it. It doesn't erase the debt.
Free option available (Paid upgrades exist, but the free version works for this)
Debt & Interest
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