Federal Agency

Consumer Financial Protection Bureau (CFPB)

Consumer financial complaints — debt collection, credit reporting, mortgages

Phone855-411-2372

Best for

•Debt collector harassment
•Credit report errors
•Mortgage servicing issues
•Student loan servicer disputes

The CFPB prefers online submissions at consumerfinance.gov/complaint. Use fax for follow-up documentation of an existing complaint or when requested by CFPB staff. Reference your existing complaint number if applicable.

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Consumer Financial Protection Bureau (CFPB)

Select a template, fill in the [BRACKETED] fields, enter the recipient's fax number, and send with a certified receipt.

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Subject: Formal Demand — [MATTER_DESCRIPTION]

Notice text

Replace all [BRACKETS] before sending

[TODAY_DATE]

To: [RECIPIENT_NAME]
    [RECIPIENT_ADDRESS]

Re: Formal Demand — [MATTER_DESCRIPTION]

Dear [RECIPIENT_NAME or "Sir or Madam"],

I am writing to formally demand [DEMAND — e.g., payment of $[AMOUNT], return of [PROPERTY], performance of [CONTRACT OBLIGATION], cessation of [CONDUCT]].

BACKGROUND
[FACTS — Describe the relevant facts in clear, chronological order. Include dates, amounts, agreements, and any prior attempts to resolve the matter.]

LEGAL BASIS
[LEGAL_CLAIM — State the legal basis for your demand. E.g., "Under our contract dated [DATE], you agreed to [OBLIGATION]. Your failure to perform constitutes a breach of contract." Or reference applicable law if known.]

DEMAND
Accordingly, I demand that you: [SPECIFIC_RELIEF]

I require your response and compliance no later than [DEADLINE — e.g., 14 days from the date of this letter].

If I do not receive a satisfactory response by the deadline, I will pursue all available legal remedies including, but not limited to, [REMEDIES — e.g., filing a complaint in [COURT], reporting to [AGENCY], seeking attorney's fees and costs].

This letter is sent as a formal notice and constitutes evidence of my demand. Please govern yourself accordingly.

Sincerely,

[SENDER_NAME]
[SENDER_ADDRESS]
[SENDER_PHONE]
[SENDER_EMAIL]

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