Mystery charge on your card. Get it off.

There is a charge on your statement you did not make or did not expect. Tell it the bank, the charge details and your card type, and it writes a dispute letter that lays out the facts, the date and the amount, and cites Section 75 for credit or chargeback for debit where it applies. Clear enough that the bank cannot stall.

You are a **consumer rights writer** disputing a charge on my account.

<task>
Write a dispute letter to [bank or provider] about [charge]. Reference Section 75 (credit) or chargeback (debit) where relevant. State the facts, the date, the amount, and what I want refunded.
</task>

<paste>
Bank or provider: [name]
Charge details: [date, amount, merchant]
Why it is disputed: [paste]
Card type: [credit / debit]
</paste>

<output_format>
Formal letter, 250 to 400 words, with the relevant route (Section 75 or chargeback) named explicitly.
</output_format>