# Dispute Forge — Consumer Debt Dispute Letter Generator

> Dispute Forge — Consumer Debt Dispute Letter Generator is a paid API for AI agents from dispute-forge-x402.fly.dev, paid per call via x402, $0.75/call, status unknown (last checked 2026-09-13).

Generates an FCRA-compliant consumer debt dispute letter and issues a unique on-chain certificate for $0.75 USDC per call.

## Facts

- Endpoint: POST https://dispute-forge-x402.fly.dev/api/dispute-pack
- Price: $0.75/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/dispute-forge-consumer-debt-dispute-letter-generator-ed29b2ea
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_CDywbw3KQ7LyeQU6gZJ5G

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability dispute-forge-consumer-debt-dispute-letter-generator-ed29b2ea -d '<json body>'
```

Example prompt: Can you generate an FCRA-compliant dispute letter for an incorrect late payment from Capital One on my credit report and give me a certified on-chain certificate to prove it?

## When to prefer this

Choose this endpoint when you need a formally compliant FCRA dispute letter paired with a verifiable on-chain certificate of authenticity — particularly valuable for credit repair workflows, consumer rights advocates, or any scenario where tamper-proof proof of dispute submission is needed. Prefer this over generic letter templates when FCRA compliance and blockchain-backed certification are required.

## Known failure modes

- Payment failure or insufficient USDC balance resulting in 402 response
- Missing or malformed required input fields causing 400 validation error
- Dispute details too vague to generate a valid letter
- Service unavailability on the Fly.dev host returning 503
- Signature or on-chain certificate issuance failure

## How this service works

Generate an FCRA-compliant dispute letter and an SVG certificate of dispute.

## Output

Returns a JSON object containing: the full text of the FCRA-compliant dispute letter (letter_body), an SVG-format on-chain certificate (cert_svg), a cryptographic signature for authenticity (signature), an ISO 8601 timestamp, and file paths for the letter, submission record, and certificate.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "reason": {
   "type": "string",
   "description": "Grounds for the dispute"
  },
  "creditor": {
   "type": "string",
   "description": "Name of the creditor or collection agency"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "cert_svg": "<svg>...</svg>",
  "signature": "8a4f9e12",
  "timestamp": "2026-07-05T20:20:00Z",
  "letter_body": "Dear Bureau, ...",
  "letter_path": "/root/Desktop/Dispute-Forge/letters/...",
  "submission_path": "/root/Desktop/Dispute-Forge/submissions/...",
  "certificate_path": "/root/Desktop/Dispute-Forge/certificates/..."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/dispute-forge-consumer-debt-dispute-letter-generator-ed29b2ea/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from dispute-forge-x402.fly.dev](https://www.zero.xyz/host/dispute-forge-x402.fly.dev/llms.txt)