| { |
| "version": 2, |
| "seed": 42, |
| "histories_path": "data/synthetic/token_ids.npy", |
| "cast": [ |
| { |
| "pattern": "textbook_friendly_fraud", |
| "display_name": "Customer A \u2014 frequent buyer", |
| "customer_idx": 15, |
| "disputed_idx": 61, |
| "expected_label": 2, |
| "expected_label_name": "likely_friendly_fraud", |
| "description": "Customer has high familiarity (bucket 16/19) with this merchant, in their home country, with CVV/AVS match. The disputed transaction sits deep inside their established pattern with this merchant.", |
| "complaint_text": "Hello, I see a $48 charge on my account that I do not recognize. I never authorized this. Please reverse it as soon as possible.", |
| "tone": "formal", |
| "diagnostics": { |
| "customer_merchant_count_bucket": 16, |
| "merchant_id_token": 5126, |
| "mode_country_token": 45, |
| "disputed_country_token": 45, |
| "cvv_token": 3, |
| "avs_token": 3, |
| "cnp_preceding_count": 2 |
| }, |
| "original_customer_idx": 134345 |
| }, |
| { |
| "pattern": "textbook_bust_out_after_card_testing", |
| "display_name": "Customer B \u2014 card just got hit", |
| "customer_idx": 12, |
| "disputed_idx": 59, |
| "expected_label": 0, |
| "expected_label_name": "unlikely_friendly_fraud", |
| "description": "Classic card-testing-into-bust-out: 4 CNP transactions with 2 sub-$3 amounts in the 5-tx window before the disputed purchase, followed by an unfamiliar merchant in a foreign country.", |
| "complaint_text": "Someone has my card!! I see four weird tiny charges from places I've never heard of and then this big one. None of this is me, please help!!", |
| "tone": "angry", |
| "diagnostics": { |
| "customer_merchant_count_bucket": 0, |
| "cnp_cluster_positions": [ |
| 55, |
| 56, |
| 57, |
| 58 |
| ], |
| "small_amount_cnp_count": 2, |
| "mode_country_token": 18, |
| "disputed_country_token": 32 |
| }, |
| "original_customer_idx": 86544 |
| }, |
| { |
| "pattern": "geography_break", |
| "display_name": "Customer C \u2014 was at home", |
| "customer_idx": 8, |
| "disputed_idx": 36, |
| "expected_label": 0, |
| "expected_label_name": "unlikely_friendly_fraud", |
| "description": "Customer's history shows 59/64 transactions in their home country, but the disputed transaction is in a country the customer has never visited in this 90-day window. Sole anomaly is the geography break.", |
| "complaint_text": "I never traveled to that country. This charge is not mine. Please reverse it immediately.", |
| "tone": "terse", |
| "diagnostics": { |
| "mode_country_token": 47, |
| "n_in_mode_country": 59, |
| "disputed_country_token": 42, |
| "customer_merchant_count_bucket": 15 |
| }, |
| "original_customer_idx": 61323 |
| }, |
| { |
| "pattern": "subscription_cancel_pattern", |
| "display_name": "Customer D \u2014 \"I canceled\"", |
| "customer_idx": 14, |
| "disputed_idx": 40, |
| "expected_label": 2, |
| "expected_label_name": "likely_friendly_fraud", |
| "description": "Customer has 12 prior charges at this merchant at consistent amounts (subscription pattern). The disputed charge is the most recent. Customer is claiming \"I canceled but was still billed\"; behavioral pattern suggests friendly fraud \u2014 they used the service repeatedly.", |
| "complaint_text": "I cancelled this subscription weeks ago but you're still charging me. Please refund this and stop billing me.", |
| "tone": "casual", |
| "diagnostics": { |
| "merchant_occurrences": 12, |
| "merchant_positions": [ |
| 27, |
| 28, |
| 29, |
| 30, |
| 31, |
| 32, |
| 35, |
| 36, |
| 37, |
| 38, |
| 39, |
| 40 |
| ], |
| "amount_range": [ |
| 4, |
| 8 |
| ], |
| "customer_merchant_count_bucket": 0 |
| }, |
| "original_customer_idx": 111313 |
| }, |
| { |
| "pattern": "ambiguous_mixed_signals", |
| "display_name": "Customer E \u2014 mixed signals", |
| "customer_idx": 5, |
| "disputed_idx": 63, |
| "expected_label": 1, |
| "expected_label_name": "ambiguous", |
| "description": "Customer has moderate prior history with this merchant (familiarity bucket 4/19). The disputed transaction is in a country that differs from the customer's mode country, but they have travelled there before (the country appears 10x elsewhere in their history). Mixed signal \u2014 analyst review recommended.", |
| "complaint_text": "What is this $86 charge? I think I might have used this place once or twice but I don't remember spending that much. Confused.", |
| "tone": "confused", |
| "diagnostics": { |
| "customer_merchant_count_bucket": 4, |
| "anomaly_count": 1, |
| "anomaly_notes": [ |
| "country differs from customer's mode but appears elsewhere in history" |
| ] |
| }, |
| "original_customer_idx": 27418 |
| }, |
| { |
| "pattern": "unfamiliar_merchant_no_anomaly", |
| "display_name": "Customer F \u2014 first-time merchant", |
| "customer_idx": 3, |
| "disputed_idx": 46, |
| "expected_label": 1, |
| "expected_label_name": "ambiguous", |
| "description": "Customer has never used this merchant before (familiarity bucket 0/19), but every other signal is normal: home country, CVV match, AVS match, no card-testing cluster. The first-time merchant is the only signal pushing toward unlikely.", |
| "complaint_text": "I see a $52 charge from a merchant I don't recognize. Can you check whether this is legitimate?", |
| "tone": "confused", |
| "diagnostics": { |
| "customer_merchant_count_bucket": 0, |
| "mode_country_token": 22, |
| "all_verifications_clean": true |
| }, |
| "original_customer_idx": 23183 |
| } |
| ], |
| "subset_note": "customer_idx values have been remapped to [0, N) for HF Space deployment. original_customer_idx preserves the source pool index." |
| } |
