{
  "title": "Consumer installment payment records for AI review",
  "source_page": "https://fiund.com/industries/consumer-installment-payment-allocation-data",
  "authorship": "Original fictional Fiund editorial exercise. No actual operating records or third-party source assets are included.",
  "example": {
    "title": "A corrected allocation redistributes a receipt without creating another payment",
    "context": "A fictional agreement and arbitrary practice values illustrate ledger review. There is no borrower, actual loan term or payment credential.",
    "records": [
      [
        "IA1",
        "Receipt R-A",
        "Agreement A: received 100 practice units on day 5."
      ],
      [
        "IA2",
        "Allocation versions",
        "A-v1: principal 70, interest 20, fees 10. A-v2 explicitly replaces v1: principal 75, interest 20, fees 5. Both cite R-A."
      ],
      [
        "IA3",
        "Other receipt R-B",
        "Agreement B: received 100 units on day 5. No allocation supplied and no link to agreement A."
      ]
    ],
    "question": "What changed in agreement A's allocation, do the totals still match its receipt, and can the same allocation be assigned to agreement B?",
    "answer": "IA2's effective v2 moves five practice units from fees to principal: principal rises from 70 to 75, interest stays 20 and fees fall from ten to five. The allocation remains 100, matching IA1 rather than adding another receipt. IA3 concerns a different agreement, so its equal amount and date do not authorize reuse of A's allocation. B's posting breakdown remains absent from the packet.",
    "failureModes": [
      "Counting both allocation versions as separate money received.",
      "Copying a payment breakdown across agreements because receipt amounts match."
    ],
    "fields": [
      [
        "Receipt and agreement reference",
        "Identifies the received amount."
      ],
      [
        "Allocation buckets and version",
        "Makes the distribution and correction explicit."
      ],
      [
        "Effective replacement and reconciliation total",
        "Supports a repeatable comparison."
      ]
    ],
    "holdout": "Change v2's fees to six while leaving the receipt at 100. Require the 101-unit allocation discrepancy to be flagged instead of inventing another payment.",
    "boundary": "Use fictitious ledgers. Exclude consumer files and underwriting data; this task does not determine contractual payment treatment or consumer outcomes."
  }
}