How I automated FCRA credit dispute letters with Supabase and edge functions

-- Client information
CREATE TABLE clients (
  id uuid PRIMARY KEY DEFAULT gen_random_uuid(),
  first_name text NOT NULL,
  last_name text NOT NULL,
  address text NOT NULL,
  city text NOT NULL,
  state text NOT NULL,
  zip_code text NOT NULL,
  ssn_last_four text NOT NULL,
  created_at timestamptz DEFAULT now()
);

-- Dispute items
CREATE TABLE dispute_items (
  id uuid PRIMARY KEY DEFAULT gen_random_uuid(),
  client_id uuid REFERENCES clients(id),
  creditor_name text NOT NULL,
  account_number text NOT NULL,
  dispute_reason text NOT NULL,
  bureau text NOT NULL, -- Experian, Equifax, TransUnion
  created_at timestamptz DEFAULT now()
);

-- Generated letters
CREATE TABLE generated_letters (
  id uuid PRIMARY KEY DEFAULT gen_random_uuid(),
  client_id uuid REFERENCES clients(id),
  letter_content text NOT NULL,
  bureau text NOT NULL,
  item_count integer NOT NULL,
  created_at timestamptz DEFAULT now()
);

import { serve } from 'https://deno.land/[email protected]/http/server.ts'
import { createClient } from 'https://esm.sh/@supabase/supabase-js@2'

serve(async (req) => {
  if (req.method !== 'POST') {
    return new Response('Method not allowed', { status: 405 })
  }

  const { client_id, bureau } = await req.json()

  const supabase = createClient(
    Deno.env.get('SUPABASE_URL') ?? '',
    Deno.env.get('SUPABASE_ANON_KEY') ?? ''
  )

  // Get client info
  const { data: client } = await supabase
    .from('clients')
    .select('*')
    .eq('id', client_id)
    .single()

  // Get dispute items for this bureau
  const { data: items } = await supabase
    .from('dispute_items')
    .select('*')
    .eq('client_id', client_id)
    .eq('bureau', bureau)

  const letterContent = generateFCRALetter(client, items, bureau)

  // Save generated letter
  await supabase
    .from('generated_letters')
    .insert({
      client_id,
      letter_content: letterContent,
      bureau,
      item_count: items.length
    })

  return new Response(
    JSON.stringify({ letter: letterContent }),
    { headers: { 'Content-Type': 'application/json' } }
  )
})

function generateFCRALetter(client: any, items: any[], bureau: string) {
  const bureauAddresses = {
    'Experian': 'P.O. Box 4500, Allen, TX 75013',
    'Equifax': 'P.O. Box 740256, Atlanta, GA 30374',
    'TransUnion': 'P.O. Box 2000, Chester, PA 19016'
  }

  let letter = `${new Date().toLocaleDateString()}

${bureauAddresses[bureau]}

Re: Request for Investigation of Credit Report Information
Name: ${client.first_name} ${client.last_name}
Address: ${client.address}, ${client.city}, ${client.state} ${client.zip_code}
SSN: ***-**-${client.ssn_last_four}

Dear ${bureau} Credit Bureau,

I am writing to dispute the following information on my credit report pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C. §1681i).

ITEMS BEING DISPUTED:
`

  items.forEach((item, index) => {
    letter += `
${index + 1}. Creditor: ${item.creditor_name}
   Account Number: ${item.account_number}
   Reason for Dispute: ${item.dispute_reason}
`
  })

  letter += `
I request that you investigate these items and remove any information that cannot be verified as accurate and complete.

Please provide me with written results of your investigation within 30 days as required by law.

Sincerely,
${client.first_name} ${client.last_name}`

  return letter
}