Privacyops

io.github.seayniclabs由 GitHub 帳號 seayniclabs 發布v0.2.2更新於 Nov 3, 2026

Track credit-report disputes and draft dispute letters, kept on your computer. Not legal advice.

概覽

AI 產生的概覽

本機 MCP 伺服器,讓助理在你自己的電腦上追蹤信用報告爭議、計算法定回覆期限並起草爭議信函。

可以做什麼
  • 列出、檢視並分頁瀏覽爭議紀錄,可依狀態或當事方類型篩選
  • 建立、更新與刪除爭議,每次變更都記入歷史,刪除需你本人核准
  • 列出未結爭議及其法定回覆期限、剩餘天數與是否逾期
  • 讀取固定信函範本、已核對的機構聯絡方式和免責聲明
  • 產生爭議信函文字檔,並可掛到某筆爭議紀錄上
  • 說明哪些模組已啟用、各工具的用途以及資料存放位置
適用情境
適合想自行保留與徵信機構(Equifax、Experian、TransUnion)或資料提供方爭議紀錄的消費者,並需要協助追蹤期限、起草信函。它只是紀錄與起草輔助,不構成法律意見,也不適合律師或信用修復業者。
執行需求
需要本機 Python 3.11 以上版本,透過 uvx 或 pip 安裝 privacyops-mcp 套件;使用 stdio 傳輸,也可選用本機 HTTP 模式。不需帳號、API 金鑰或網路存取。選用設定:PRIVACYOPS_DATA_DIR、PRIVACYOPS_APPROVAL_LOG、PRIVACYOPS_DISPUTES_ALLOW_DELETE 以及各模組啟用開關。
安裝前請注意
紀錄與信函以未加密形式存放在資料資料夾中,任何能存取你帳號的人都能讀取,請勿放在不受控的共用或同步資料夾。將 PRIVACYOPS_DISPUTES_ALLOW_DELETE 設為 true 會讓助理不必詢問就刪除紀錄;無法顯示核准提示的用戶端在未開啟該項時會拒絕刪除。信函範本未經律師審閱,寄信前應自行核對機構地址。你在對話中輸入的內容對助理及其服務商可見。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Privacyops,將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Desktop only,透過 STDIO。 STDIO 服務會啟動本機處理程序,因此需要 SourceWeft 桌面主機。

其他 MCP 客戶端

參照 儲存庫 中的啟動說明。

README

PrivacyOps

Made by Seaynic Labs. Need tools like this built around your own systems? We do that.

PrivacyOps lets an AI assistant track your credit-report disputes and draft dispute letters, with every record kept in a file on your own computer. It works out the statutory response deadline for each open dispute, and it ships skills that walk you through a dispute from gathering facts to following up.

Not legal advice. PrivacyOps is a tracking and drafting aid. It does not know your facts or the law in your state. The letter templates have not been reviewed by a lawyer. For legal questions, ask a lawyer or a consumer-protection agency.

Security card
NetworkNone. PrivacyOps makes no outbound network calls and has no telemetry. Only --transport http opens a listener, on 127.0.0.1 unless you change --host.
FilesReads its config file (~/.config/privacyops/config.toml, if present). Reads and writes its records file and letter text files in its data folder (~/.local/share/privacyops), owner-only. Appends one line per approval decision to ~/.local/state/privacyops/approvals.jsonl (ids only).
SecretsPrivacyOps stores no passwords or API keys and has no tool that takes one. It never asks for a Social Security number.
Read-only tools5: disputes_list, disputes_get, disputes_deadlines, letters_templates, privacyops_modules
Writes on this computerdisputes_create, disputes_update, letters_generate: local files only, no approval needed. Each dispute change is recorded in its history.
Needs your approvaldisputes_delete: you approve each delete in your app, or pre-approve in settings. The AI cannot approve for you.
Startup costabout 5,900 tokens (9 tools, 2 skill prompts)
ChangesTool descriptions are locked by hash (tool-manifest.lock.json); CI fails if they change silently.

It is a bundle: tools, skills and instructions in one install. The tools are one server made of modules. You switch on the modules you use. New modules arrive switched off, so an update never changes what your assistant can do until you choose to.

ModuleWhat it doesStatus
disputesTrack disputes with consumer reporting agencies (Equifax, Experian, TransUnion) and with furnishers (the companies that report to them): status, sent dates, response deadlines, and a history of changes0.2
lettersDispute letters from two fixed templates, saved as text files on your computer0.1

Planned, not built: data-broker opt-outs and credit-freeze tools. These are ideas, not commitments.

Audience: consumers who want their own record of disputes and clear letters. PrivacyOps is not for lawyers, credit repair businesses, or anyone handling other people's identity information.

Skills

Skills are short guides your assistant reads before it does a job. PrivacyOps ships two, in two forms from one source: a skills/ folder for apps that read Agent Skills (Claude Code and others), and MCP prompts for every other MCP app.

SkillWhat it coversBy
getting-startedSetup, the data folder, settings, --doctor, and reading errorsSeaynic Labs, MIT
dispute-walkthroughGathering facts, choosing the agency or company route, certified mail, deadlines, follow-up, and when to get helpSeaynic Labs, MIT

No third-party skills ship with PrivacyOps. See CREDITS.md.

What stays on your computer

  • Dispute records are kept in one JSON file in your data folder. Default: ~/.local/share/privacyops/privacyops.json. Set PRIVACYOPS_DATA_DIR to choose another folder.
  • Letters are saved as Markdown text files in letters/ inside that folder.
  • Approval decisions for deletes are appended to ~/.local/state/privacyops/approvals.jsonl: ids and decisions only.
  • Nothing is sent to Seaynic Labs or to any other service. PrivacyOps makes no outbound network calls.
  • The files are created readable only by you (mode 0600), but they are not encrypted. Anyone with access to your account can read them. Keep the folder out of shared or synced folders you do not control.
  • Your AI assistant can see what you type into the chat, and so can the company that runs it. PrivacyOps cannot change that.

PrivacyOps never asks for a Social Security number. If a bureau asks for identifying numbers, you write them in by hand on the printed letter.

Install

PrivacyOps needs Python 3.11 or newer. With uv you do not install anything ahead of time:

bash
uvx privacyops-mcp --versionuvx privacyops-mcp --doctor          # checks your data folder and records, prints fixes

Pin the exact version if you want updates only when you choose them: uvx privacyops-mcp==0.2.2.

Or with pip:

bash
pip install privacyops-mcp

As a Claude Code plugin (server and skills in one step, once the seayniclabs/plugins marketplace lists PrivacyOps):

/plugin marketplace add seayniclabs/plugins/plugin install privacyops@seayniclabs

Uninstalling with pip uninstall privacyops-mcp removes the program only. Your records and letters stay in the data folder. Delete that folder yourself if you want them gone.

Settings

PrivacyOps starts without any settings. The defaults are safe.

VariableModuleWhat it does
PRIVACYOPS_DATA_DIRallFolder for your records and letters. Default ~/.local/share/privacyops
PRIVACYOPS_DISPUTES_ALLOW_DELETEdisputesfalse by default: you approve each delete. true lets the assistant delete a dispute record without asking.
PRIVACYOPS_APPROVAL_LOGallPath of the approval log. Default ~/.local/state/privacyops/approvals.jsonl
PRIVACYOPS_<MODULE>_ENABLEDanyfalse turns a module off, e.g. PRIVACYOPS_LETTERS_ENABLED=false

Config file (optional). PrivacyOps also reads ~/.config/privacyops/config.toml, or the file named by PRIVACYOPS_CONFIG. Environment variables win over the file.

toml
data_dir = "/Users/you/Documents/privacyops"
[disputes]allow_delete = false
[letters]enabled = true

Add it to your MCP client

Most clients use the same JSON shape. Put it where your client keeps MCP servers:

json
{  "mcpServers": {    "privacyops": {      "command": "uvx",      "args": ["privacyops-mcp"],      "env": {        "PRIVACYOPS_DATA_DIR": "/Users/you/Documents/privacyops"      }    }  }}
ClientWhere the config goes
Claude Desktopclaude_desktop_config.json (Settings → Developer → Edit Config)
Claude Codeclaude mcp add privacyops -- uvx privacyops-mcp, or a project .mcp.json
Cursor~/.cursor/mcp.json, or .cursor/mcp.json in a project
VS Code.vscode/mcp.json, using "servers" instead of "mcpServers"
Sonique, Hermes, OpenClaw, othersAny client that launches a stdio MCP server: command uvx, args ["privacyops-mcp"], plus the env values

Over HTTP. For clients that connect to a URL instead of launching a process:

bash
privacyops-mcp --transport http --port 8765

It serves streamable HTTP at http://127.0.0.1:8765/mcp and listens only on your own machine by default. Put authentication in front of it before exposing it anywhere else.

Try these

Paste one into your assistant once PrivacyOps is set up:

  1. "Open a dispute with Experian about a late payment I made on time, and draft the letter. Don't send anything yet."
  2. "Which of my disputes are overdue, and what should I do next?"
  3. "Walk me through disputing an item on my credit report, one step at a time."
  4. "Show me where my dispute records are stored and what the file contains."
  5. "Delete the dispute for the card issuer, but show me the preview first."

Tools

ToolWhat it returns
privacyops_modulesWhich modules are on, what each tool does, where your data is, the skills, and the disclaimer. Call this first.
disputes_listDispute summaries, filtered by status or party type, paged with offset
disputes_getOne dispute with its details, due date, letters written, and history
disputes_deadlinesOpen disputes with the statutory response deadline for each, days remaining, an overdue flag, the next action, and the facts it cannot know
disputes_createStarts tracking a dispute
disputes_updateChanges status, sets the sent date, or adds a note. Every change goes into the history.
disputes_deleteDeletes a dispute record. Preview first; you approve it. Letter files are not deleted.
letters_templatesThe templates, the agencies with checked contact details, and the disclaimer
letters_generateWrites a letter to a text file. Attaches it to a dispute if you give its id.

Every tool returns structured data with a published schema. Errors read privacyops.<module>.<code>: <message> Fix: <hint>.

Response deadlines

disputes_deadlines counts the periods that the statute sets, from the sent date you record:

  • Consumer reporting agency: the agency must reinvestigate within 30 days of receiving your dispute, 15 U.S.C. 1681i(a)(1)(A). It may extend that by up to 15 days only if you send relevant information during the 30 days, and not if it finds the item inaccurate or cannot verify it in that period, 1681i(a)(1)(B)–(C). Source: https://www.law.cornell.edu/uscode/text/15/1681i
  • Furnisher (the company that reported the item): a direct dispute must be investigated and answered before the period in 1681i(a)(1) ends, 15 U.S.C. 1681s-2(a)(8)(E)(iii). A dispute an agency forwards follows 1681s-2(b)(2). Source: https://www.law.cornell.edu/uscode/text/15/1681s-2

The tool counts from your sent date. The statute counts from the day the other side receives the dispute, so the real deadline is the same or later. The tool does not know when the letter arrived, whether you sent extra information, or which route a furnisher dispute took, so it says so in each row instead of guessing. The periods were checked against the official text on 2026-10-27.

Letter templates and sources

Both templates are fixed text. Nothing is generated by a model. Each citation was checked against the official statute text on 2026-10-27.

TemplateUsed forCites (15 U.S.C.)Source
cra_disputeAsking a consumer reporting agency to reinvestigate an item1681i(a)(1)(A), (a)(5)(A), (a)(6)(A), (a)(7)https://www.law.cornell.edu/uscode/text/15/1681i
furnisher_disputeDisputing directly with the company that reported the item1681s-2(a)(8), (a)(8)(D), (a)(8)(E)https://www.law.cornell.edu/uscode/text/15/1681s-2

Contact details are included only where the agency's own site was checked on 2026-10-27:

AgencyMailing address in lettersOnline disputesChecked
EquifaxNot published on the official page: fill in by handhttps://www.equifax.com/personal/credit-report-services/credit-dispute/2026-10-27
ExperianExperian, Dispute by Mail, P.O. Box 4500, Allen, TX 75013https://www.experian.com/disputes/main.html (sign-in required)2026-10-27
TransUnionNot verified (the official page returned an error when checked): fill in by handNot verified: fill in by handnot checked

Check any address against the agency's own website before you mail a letter. Agencies change their addresses.

Safety

  • PrivacyOps makes no outbound network calls and sends nothing anywhere.
  • Deleting a dispute record asks you first, through your MCP client's approval prompt. The assistant cannot approve on your behalf. Some clients cannot show approval prompts. In those, deletes are refused unless you set PRIVACYOPS_DISPUTES_ALLOW_DELETE=true.
  • Every delete decision (asked, approved, declined, refused) is appended to the approval log with the dispute id. The log never holds names, item text, reasons, notes or letter text.
  • Writes never delete other records. A failed save leaves the previous file unchanged, and an unreadable file is never overwritten.
  • The disclaimer appears in the server's instructions, in privacyops_modules, in every skill, and in every letter's footer.

Check your setup

bash
uvx privacyops-mcp --doctor

Doctor reads your data folder, records file, letter folder and approval log. It prints ok or FIX for each item, with the step to take, and exits 1 when something needs fixing. It makes no network calls and changes no files.

Develop

bash
uv venv -p 3.11 && uv pip install -e '.[dev]'.venv/bin/pytestpython3 scripts/check_skills.py.venv/bin/python scripts/tool_lock.py --check.venv/bin/python scripts/security_card.py --check

The tests use temporary data folders and make no network calls. scripts/tool_lock.py (without --check) rewrites the lock after a deliberate change to a tool, prompt or the instructions. Add a changelog line in the same change.

Security

Report a vulnerability privately through GitHub (Security tab, "Report a vulnerability"). See SECURITY.md.

License

MIT. Published by Seaynic Labs.


Built by Seaynic Labs. We build tools like this around a business's own systems: local-first, with a person approving every change. See custom integrations.

來源:README.md,提交 6cff06d

工具

9

disputes_list

List disputes, newest first. Filter by status or party_type. Page with offset=<next_offset>.

輸入參數limitoffsetstatusparty_type

disputes_get

The full record for one dispute: details, due date, letters written, and history.

輸入參數id必填

disputes_deadlines

Open disputes (draft, sent, response_received) with the statutory response deadline for each. An agency must reinvestigate within 30 days of receiving the dispute, 15 U.S.C. 1681i(a)(1)(A) (https://www.law.cornell.edu/uscode/text/15/1681i). A furnisher must report results before that period ends, 15 U.S.C. 1681s-2(a)(8)(E)(iii) and (b)(2) (https://www.law.cornell.edu/uscode/text/15/1681s-2). Counted from the sent date you recorded, so the real date is the same or later. Returns days remaining, an overdue flag (past the 30-day date), the next action, and the facts the tool cannot know (the start of the clock, the 15-day extension, a furnisher's extension). Not legal advice. Set as_of (YYYY-MM-DD) to check another day. Page with offset=<next_offset>.

輸入參數as_oflimitoffset

disputes_create

Start tracking a dispute. party_type is consumer_reporting_agency or furnisher. Use the item's description, not full account numbers.

輸入參數reasonstatussent_dateparty_name必填party_type必填item_description必填

disputes_update

Change a dispute's status, set its sent date, or add a note. Every change is recorded in history. Setting status to sent without a sent date uses today's date.

輸入參數id必填notestatussent_date

disputes_delete

Delete a dispute record. Without confirm=true this only returns a preview. With confirm=true the person is asked to approve (unless deletes are pre-approved in settings). Letter files on disk are not deleted. The assistant cannot approve on the person's behalf.

輸入參數id必填confirm

letters_templates

The letter templates, the agencies with checked contact details, and the disclaimer. Read this before generating a letter.

無需輸入參數。

letters_generate

Write a dispute letter from a fixed template to a text file. Your name, address and signature are placeholders to fill in by hand. For a credit agency pass agency_key (equifax, experian, transunion) or recipient_name. Pass dispute_id to attach the letter to a dispute record. Not legal advice.

輸入參數reasontemplate必填agency_keydispute_idrecipient_nameitem_description必填recipient_address

privacyops_modules

Which modules are on, what each tool does, where your data is kept, the skills, and the disclaimer. Pass a module name for its full settings list.

輸入參數module

版本歷史

1
  1. v0.2.2最新Oct 29, 2026

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