{
  "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."
}