{
  "title": "Commercial bank returned-item records for AI review",
  "source_page": "https://fiund.com/industries/commercial-bank-returned-item-data",
  "authorship": "Original fictional Fiund editorial exercise. No actual operating records or third-party source assets are included.",
  "example": {
    "title": "One returned item does not reverse every equal-value deposit",
    "context": "An inert ledger fixture uses invented item aliases and practice units. It includes no valid account or routing information and cannot initiate a banking action.",
    "records": [
      [
        "BI1",
        "Deposit D1",
        "Items C-A=70 units and C-B=30 units; total 100. Posted in mock ledger day 1."
      ],
      [
        "BI2",
        "Return R1",
        "Day 3 return of 30 units explicitly references C-B within D1. Reconciliation note maps R1 to that item."
      ],
      [
        "BI3",
        "Deposit D2",
        "Day 3 separate 30-unit item C-C. No reference to C-B, D1 or R1."
      ]
    ],
    "question": "Which original item is affected by R1, and does D2 establish a replacement posting for the returned item?",
    "answer": "BI2 explicitly associates the 30-unit return with C-B in D1. BI1's C-A remains a separate 70-unit item unaffected by the supplied return record. BI3's D2 is also 30 units, but its item C-C has no replacement link to C-B. Preserve D2 as a distinct deposit and leave replacement status unresolved. Matching amounts and dates do not establish a shared transaction identity.",
    "failureModes": [
      "Reversing the entire 100-unit deposit for a return linked to one component.",
      "Treating an equal-value later deposit as a replacement without a source relationship."
    ],
    "fields": [
      [
        "Deposit and item references",
        "Preserves component-level identity."
      ],
      [
        "Return target and amount",
        "Limits the adjustment's scope."
      ],
      [
        "Replacement link and reconciliation note",
        "Distinguishes an established reposting from coincidence."
      ]
    ],
    "holdout": "Add an explicit correction linking a new item C-D to C-B. Require the replacement relationship without merging unrelated C-C.",
    "boundary": "Use fully synthetic cards and nonvalid identifiers. Exclude checks, signatures, customer histories, actual balances and internal fraud procedures."
  }
}