Sample evidence packet
This is the deliverable. A real packet is built only from the merchant's own exports; this demonstration uses a fictional course creator answering a fictional $297 "fraudulent" dispute, so you can see the exact structure, tone, and discipline before trusting us with a real case.
Every name, business, date, ID, email, IP address, and log entry below is fabricated. Do not submit this packet anywhere.
§0 — Cover & Deadline Block
| Field | Value |
|---|---|
| Merchant | SAMPLE — BrightPath Learning LLC (online courses) |
| Packet ID | SAMPLE-CD-20261012-001 |
| Prepared by | ChargebackDesk (concierge) |
| Checked by | SAMPLE — illustrative sign-off (on a real packet: Dheeraj Kumar, founder) |
| Prepared date | SAMPLE — 2026-10-12 |
| Template | Concierge Packet Templates v1.1 — Category 1: Fraudulent |
| Dispute ID | SAMPLE — dp_1SampleDispute0000000001 |
| Charge ID | SAMPLE — ch_1SampleCharge00000000001 |
| Amount disputed | SAMPLE — $297.00 USD |
| Reason category | Fraudulent (SAMPLE — Visa 10.4) |
| Phase | Formal dispute — full packet |
| Evidence due by | SAMPLE — 2026-10-27, 11:59 PM PT (authoritative, from the Stripe dispute record) |
| Days remaining at delivery | SAMPLE — 15 days (delivered 2026-10-12, the day it was prepared; dispute filed 2026-10-08) |
| Merchant action required | SAMPLE instructions (illustrative; your own packet's cover says which file goes in which Stripe field) — Manual (exports-only) path — nothing is submitted without your approval: review §§1–6, confirm the checklist in §6, then submit in Stripe Dashboard → Disputes → this dispute → "Submit evidence," uploading Exhibits A–E and pasting §1 into the response field, before 2026-10-27, 11:59 PM PT. Then complete §7 and return it to us. |
SAMPLE — The deadline above is the one that matters. If you don't respond by it, the dispute is automatically lost. When we have the case at least 4 days (96 hours) before due_by, our delivery target is at least 72 hours before it; inside 96 hours we decline rather than gamble with a deadline that loses the dispute automatically if it's missed. This packet was delivered on 2026-10-12, with 15 days to spare.
§1 — Narrative (submitted as the dispute response)
SAMPLE — The cardholder purchased the online course "Spreadsheet Systems for Bookkeepers" on 2026-09-14 for $297.00. The course was delivered immediately: an account was created for the cardholder's email at 10:32 AM PT on 2026-09-14, two minutes after purchase, and a welcome email with login credentials was delivered and opened the same day. Between 2026-09-14 and 2026-10-05 the account recorded 23 logins, completed 14 of 40 lessons, downloaded 6 course worksheets, and submitted 3 graded exercises. On 2026-09-29 the cardholder emailed support from the purchase email asking how to download the Module 5 worksheet pack, and support replied the same day. The product was purchased, delivered, and used over three weeks before this dispute was filed on 2026-10-08. — SAMPLE
147 words, 6 sentences. Every fact traces to an exhibit below — see the Evidence Index. No adjectives about the cardholder, no speculation about intent.
§2 — Evidence Index
| # | Exhibit | What it proves | Source (merchant-provided) | Stripe field |
|---|---|---|---|---|
| A | Access activity log excerpt | Account bought on 2026-09-14 was used 23 times over 3 weeks; 14 lessons completed | SAMPLE — LMS progress export, 2026-10-10, buyer account rows | access_activity_log |
| B | Account creation & delivery record | Account created 2 minutes post-purchase for the buyer email; welcome email delivered + opened | SAMPLE — LMS admin record + Postmark delivery log, 2026-09-14 | service_documentation |
| C | Customer communication thread | Buyer emailed support 2026-09-29 asking a course-use question; resolved same day | SAMPLE — Help Scout thread #4812, complete export | customer_communication |
| D | Receipt | $297.00 charge, product name, date, buyer name/email, statement descriptor | SAMPLE — Stripe receipt PDF | receipt |
| E | Product description | What the course is and how it is delivered (instant account access) | SAMPLE — Checkout page capture, 2026-09-14 version | product_description |
| — | Buyer identity on charge | Name, email, billing address as provided at checkout | SAMPLE — Stripe charge record export | customer_name, customer_email_address, billing_address |
| — | Purchase IP | Recorded at checkout; used only to corroborate account activity (see note in Exhibit A) | SAMPLE — Stripe charge record export | customer_purchase_ip |
§3 — Exhibits
Exhibit A — Access Activity Log (excerpt)
SAMPLE DATA — fabricated log entries. Provenance: SAMPLE — merchant's LMS progress export dated 2026-10-10, filtered to the buyer account. Excerpt rule: first login, most recent login, and highest-activity session in full; 23 total logins summarized. Full export retained in the case file.
| Date / time (PT) | Event | Detail | IP (SAMPLE) |
|---|---|---|---|
| 2026-09-14 10:34 AM | First login | Account activated, course dashboard viewed | 73.140.22.18 |
| 2026-09-14 10:41 AM | Lesson completed | Module 1, Lesson 1 — "Chart of Accounts Cleanup" | 73.140.22.18 |
| 2026-09-14 11:15 AM | Download | Worksheet: M1-cleanup-checklist.pdf | 73.140.22.18 |
| 2026-09-18 7:02 PM | Login (highest-activity session) | 2h 04m session | 73.140.22.18 |
| 2026-09-18 7:05–9:09 PM | 5 lessons completed | Module 2, Lessons 1–5; 2 worksheets downloaded | 73.140.22.18 |
| 2026-09-18 8:47 PM | Exercise submitted | Graded exercise 2.1 — score 92% | 73.140.22.18 |
| 2026-09-24 6:31 PM | Login | Module 3, Lessons 1–4 completed | 73.140.22.18 |
| 2026-09-29 9:12 AM | (see Exhibit C — support email sent from buyer account email) | ||
| 2026-10-01 7:44 PM | Exercise submitted | Graded exercise 3.2 — score 88% | 73.140.22.18 |
| 2026-10-05 8:03 PM | Most recent login | Module 4, Lesson 2 completed (14th lesson) | 73.140.22.18 |
Summary (SAMPLE): 23 logins · 14 of 40 lessons completed · 6 worksheet downloads · 3 graded exercises submitted · first use 2026-09-14, last use 2026-10-05 · dispute filed 2026-10-08.
IP note (wording discipline): SAMPLE — The purchase session and all access events above were recorded from the same IP address, 73.140.22.18. This is presented as corroboration of consistent account activity only. It is not presented as proof of the cardholder's identity.
Exhibit B — Account Creation & Delivery Record
SAMPLE DATA — fabricated records. Provenance: SAMPLE — LMS admin account record + Postmark activity log, exported 2026-10-10.
SAMPLE
Account ID: BP-STU-88412
Name on account: Jordan Avery
Email: jordan.avery@example-email.com
Created: 2026-09-14 10:32 AM PT (2 minutes after purchase at 10:30 AM PT)
Enrollment: Spreadsheet Systems for Bookkeepers — full course, lifetime access
Welcome email: Sent 2026-09-14 10:32 AM PT · Postmark status: Delivered 10:32 AM,
Opened 10:33 AM PT (message ID SAMPLE-msg-77120)
Receipt email: Sent 2026-09-14 10:31 AM PT · Delivered 10:31 AM PT
SAMPLEExhibit C — Customer Communication (complete thread)
SAMPLE DATA — fabricated support thread. Provenance: SAMPLE — Help Scout thread #4812, complete export (2 messages, none omitted). Complete threads only — a cherry-picked thread is fabrication by omission.
Message 1 — from the buyer (SAMPLE)
From: jordan.avery@example-email.com · 2026-09-29, 9:12 AM PT
"Hi — I'm in Module 5 and I can't find the worksheet pack you mention in the video. Where do I download it? Loving the course so far, the cleanup checklist alone saved me a ton of time with a client." — Jordan
Message 2 — merchant reply (SAMPLE)
From: support@brightpathlearning.example · 2026-09-29, 11:47 AM PT
"Hi Jordan — glad it's helping! The Module 5 pack is under the 'Resources' tab on the Module 5 page, or direct link: [link]. Let us know if you hit anything else." — BrightPath Support
Thread status: resolved, no follow-up needed. This is the complete thread — there were no other support contacts from this buyer before the dispute.
Exhibit D — Receipt
SAMPLE DATA — fabricated receipt summary. In a real packet, the actual Stripe receipt PDF is uploaded here.
SAMPLE
Receipt #2041-9917
BrightPath Learning LLC
Date: 2026-09-14
Billed to: Jordan Avery · jordan.avery@example-email.com
Item: Spreadsheet Systems for Bookkeepers (online course) — $297.00
Total charged: $297.00 USD
Statement descriptor: BRIGHTPATH*COURSES
SAMPLEExhibit E — Product Description
SAMPLE DATA — fabricated product copy. Provenance: SAMPLE — merchant's checkout page as captured 2026-09-14 (purchase-period version).
Spreadsheet Systems for Bookkeepers — a 40-lesson online video course (approx. 9 hours) with downloadable worksheets and graded exercises, for practicing bookkeepers. Delivered instantly online: on purchase, an account is created and login credentials are emailed; students watch lessons and download materials from the course dashboard, with lifetime access. No physical product is shipped.
§4 — Category Rebuttal
No separate rebuttal field applies to the Fraudulent category. The §1 narrative carries the rebuttal. (Per template: if we cannot tell the story in §1 from sourced facts, the case is refused — it is never argued around.)
§5 — What Is NOT Included — and Why
| Field / item | Why it is omitted |
|---|---|
customer_signature | No signed contract exists for this purchase; a checkout checkbox is not a signature, and presenting it as one would misrepresent the record. |
| AVS / CVC results | Authorization metadata is not evidence the cardholder used the product. The usage record (Exhibit A) is the rebuttal. |
| Full access log (all 23 sessions, raw) | Excerpted per template rule: first, most recent, and highest-activity sessions, with totals stated. The full export is retained in the case file and available on request. |
| Speculation about who filed the dispute or why | Not a fact in the merchant's records. The packet states what was purchased, delivered, and used — nothing about the cardholder's motives. |
| Other purchases by this buyer | None exist in the merchant's records, and unrelated history is not evidence for this charge. |
§6 — Merchant Review Checklist
Before submitting, the merchant confirms each item. If anything is wrong, they do not submit — they tell us and we correct or withdraw the packet.
- The buyer name, email, amount ($297.00), and dates match your records.
- Exhibit A matches your LMS export (23 logins, 14 lessons, last use 2026-10-05).
- Exhibit C is the complete support thread — there are no other messages from this buyer we haven't seen, including any refund request.
- You know of nothing in your records that contradicts this packet (e.g., an outage, a promised refund, a second charge).
- Exhibits A–E open correctly and are legible in the form you will upload.
- You understand the deadline: submit before 2026-10-27, 11:59 PM PT. After submission, evidence generally cannot be amended.
§7 — Submission & Readback Block
The merchant completes this after submitting and returns it to us, so the filing is logged and the outcome tracked. SAMPLE — the upload rows follow this sample's exhibits; a real readback lists your own packet's files.
| Field | Merchant fills in |
|---|---|
| Date / time submitted | ______________________________ |
| Submitted by (name) | ______________________________ |
| Where submitted | Stripe Dashboard → Disputes → SAMPLE dp_1SampleDispute0000000001 → Submit evidence |
| Files uploaded | ☐ Exhibit A ☐ Exhibit B ☐ Exhibit C ☐ Exhibit D ☐ Exhibit E |
| §1 narrative pasted into response field | ☐ Yes |
| Status shown by Stripe after submission | ______________________________ (e.g. "Under review") |
| Screenshot of confirmation saved as | ______________________________ (filename) |
| Merchant notes / anything Stripe flagged | ______________________________ |
We log the submission from this block and record the result against the packet once the outcome is reported — Stripe's decision can take a few months.
Packet integrity record (ChargebackDesk internal)
SAMPLE
Packet ID: SAMPLE-CD-20261012-001
Category minimums: ME-F1 ✓ (23 post-purchase access events) · ME-F2 ✓ (purchase IP +
access IPs present) · ME-F3 ✓ (name + email on charge) ·
ME-F4 ✓ (account created + welcome email delivered/opened)
Refusal triggers: R-F1–R-F5 checked — none fire
Template version: Concierge Packet Templates v1.1, Category 1
Fabrication check: Every fact traced to a listed source. No reconstructed data.
SAMPLE