Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
Hello
You want to report to your credit card company/bank instead, since this is not coming from the real Microsoft, but rather someone pretending to be Microsoft, right? If so, reporting to Microsoft doesn't help you dispute anything.
If you just want to make Msft aware, you can report here: https://reportfraud.microsoft.com/en-us