just-fucking-cancel

# Just Fucking Cancel

Analyze transactions, categorize subscriptions, generate HTML audit, help cancel.

## How It Works

This skill analyzes your transaction history to find recurring charges (subscriptions), helps you categorize them, and provides direct cancel URLs. **No automated cancellation** - you control every action.

```
Transaction Data → Pattern Detection → User Categorization → HTML Audit → Cancel URLs
```

## Triggers

- "cancel subscriptions", "audit subscriptions"
- "find recurring charges", "what am I paying for"
- "subscription audit", "clean up subscriptions"

## Data Sources

### Option A: CSV Upload (Recommended - Fully Local)

Upload a transaction CSV from your bank. **All processing happens locally** - no data leaves your machine.

Supported formats:
- **Apple Card**: Wallet → Card Balance → Export
- **Chase**: Accounts → Download activity → CSV
- **Amex**: Statements & Activity → Download → CSV
- **Citi**: Account Details → Download Transactions
- **Bank of America**: Activity → Download → CSV
- **Capital One**: Transactions → Download
- **Mint / Copilot**: Transactions → Export

### Option B: Plaid Integration (ClawdBot Only)

If you have ClawdBot with Plaid connected, transactions can be pulled automatically.

**Important**: This requires Plaid credentials and sends data to Plaid's servers:
- `PLAID_CLIENT_ID` - Your Plaid client ID
- `PLAID_SECRET` - Your Plaid secret key
- `PLAID_ACCESS_TOKEN` - Access token for the bank connection

**Privacy note**: When using Plaid, transaction data is transmitted to Plaid's API. CSV analysis is fully local.

## Workflow

### 1. Get Transactions
- CSV: User uploads file, analyzed locally
- Plaid: Pull last 6-12 months via API (requires credentials)

### 2. Analyze Recurring Charges
- Detect same merchant, similar amounts, monthly/annual patterns
- Flag subscription-like charges (streaming, SaaS, memberships)
- Calculate charge frequency and total annual cost

### 3. Categorize with User
For each subscr...