{"test_case_number": 1, "bank_statement": "{\"seed\": \"john-homeowner-mortgage-test-003\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205500, \"currency\": \"USD\", \"numbers\": {\"account\": \"220011003344\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY - DC WATER\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00001\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00002\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 63.44, \"description\": \"SAFEWAY #312 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00003\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-04\", \"amount\": 24.85, \"description\": \"STARBUCKS #5567 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00004\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 1200, \"description\": \"ACH DEBIT CHILD SUPPORT DC OAG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00005\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-06\", \"amount\": 56.12, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00006\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 145.2, \"description\": \"AMAZON MKTPLACE PMTS AMZN.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00007\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": 89.44, \"description\": \"NETFLIX/STREAMING SERVICES\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00008\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": 76.34, \"description\": \"TRADER JOE'S #654 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00009\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - LANDLORD JULY RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00010\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": -50000, \"description\": \"WIRE IN CREDIT - MARY HOMEOWNER GIFT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00011\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00012\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": 65, \"description\": \"LYFT RIDE HELP.LYFT.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00013\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - AAA INC PAYROLL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00014\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 118.54, \"description\": \"GIANT FOOD #1450 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00015\"}, {\"date_transacted\": \"2025-07-16\", \"date_posted\": \"2025-07-17\", \"amount\": 72.94, \"description\": \"RESTAURANT POS - CHIPOTLE #441\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00016\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #10421\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00017\"}, {\"date_transacted\": \"2025-07-18\", \"date_posted\": \"2025-07-19\", \"amount\": 42.33, \"description\": \"TARGET T-0743 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00018\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": 72.94, \"description\": \"DINING - BUSBOYS & POETS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00019\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 500, \"description\": \"TOYOTA CREDIT - Installment - Automobile\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00020\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 257, \"description\": \"CHASE - Installment - Credit Card\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00021\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 50, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00022\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 25, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00023\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 40, \"description\": \"ATM CASH WITHDRAWAL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00024\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 9.99, \"description\": \"SPOTIFY SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00025\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 45, \"description\": \"MICROSOFT OFFICE 365 SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00026\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 37.25, \"description\": \"UBER EATS ORDER 800-253-9377\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00027\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 96.21, \"description\": \"SHELL OIL 5754 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00028\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 82.75, \"description\": \"WALGREENS STORE #4401\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00029\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -60000, \"description\": \"ACH CREDIT - FIDELITY 401K LOAN\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00030\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 57.85, \"description\": \"RESTAURANT POS - SHAKE SHACK DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00031\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - AAA INC PAYROLL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00032\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - LANDLORD AUG RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00033\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 142.56, \"description\": \"SAFEWAY #312 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00034\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -20000, \"description\": \"ACH CREDIT - COINBASE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00035\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 35.67, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00036\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 1200, \"description\": \"ACH DEBIT CHILD SUPPORT DC OAG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00037\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 84.22, \"description\": \"TRADER JOE'S #654 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00038\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY - PEPCO ELECTRIC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00039\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 23.44, \"description\": \"STARBUCKS #5567 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00040\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 124.37, \"description\": \"CHECK #2051 - CLEARED\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00041\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 500, \"description\": \"TOYOTA CREDIT - Installment - Automobile\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00042\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 257, \"description\": \"CHASE - Installment - Credit Card\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00043\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 50, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00044\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 25, \"description\": \"SALLIEMAE - Installment - Educational\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00045\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 74.5, \"description\": \"AMAZON MKTPLACE PMTS AMZN.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00046\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00047\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 58.3, \"description\": \"STARBUCKS STORE #4567\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00048\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 67.1, \"description\": \"UBER EATS ORDER 800-253-9377\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00049\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - AAA INC PAYROLL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00050\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 91.2, \"description\": \"GIANT FOOD #1450 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00051\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 39.99, \"description\": \"HULU SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00052\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00053\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": 84.62, \"description\": \"RESTAURANT POS - CLYDE'S GALLERY PL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00054\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 55.42, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00055\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 102.2, \"description\": \"WALGREENS STORE #4401\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00056\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 96.21, \"description\": \"EXXONMOBIL #0223\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00057\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 52.5, \"description\": \"TARGET T-0743 WASHINGTON DC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00058\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 92.18, \"description\": \"WASHINGTON GAS ONLINE BILL PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00059\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 5000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00060\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 15500, \"currency\": \"USD\", \"numbers\": {\"account\": \"990077005511\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -8.5, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00061\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": -1500, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00062\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00063\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -8.95, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00064\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -9.05, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00065\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -2000, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00066\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -3000, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00067\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -5000, \"description\": \"ONLINE TRANSFER FROM CHKG\", \"currency\": \"USD\", \"transaction_id\": \"plaid-1-00068\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-02T15:21:06.315512451Z\n \n \n \n \n \n \n \n \n \n 3344\n 205500.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 5511\n 15500.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n \n \n \n ASBURY PARK\n US\n 07712\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 600000.00\n false\n false\n false\n false\n \n \n \n \n 600000.00\n \n \n \n \n \n \n 600000.00\n \n \n \n \n \n \n \n \n \n 3210989098\n false\n 500.00\n false\n 34\n Installment\n 15838.00\n \n \n \n TOYOTA CREDIT\n \n \n \n \n \n 58652333\n false\n 257.00\n false\n 22\n Installment\n 5000.00\n \n \n \n CHASE\n \n \n \n \n \n 950254520\n false\n 0.00\n false\n 62\n Installment\n 5000.00\n \n \n \n SALLIE MAE\n \n \n \n \n \n 950752340\n false\n 25.00\n false\n 74\n Installment\n 1100.00\n \n \n \n SALLIE MAE\n \n \n \n \n \n 6011785239\n false\n 25.00\n false\n Revolving\n 950.00\n \n \n \n UNIVERSAL VISA\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n false\n false\n 1\n false\n false\n false\n false\n false\n false\n false\n 1\n \n \n \n 85670492709\n UniversalLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n 480000.00\n FirstLien\n Purchase\n Conventional\n 0.000\n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+johnfinal1@tidalhq.com\n \n \n \n \n John\n Homeowner\n \n \n \n \n \n \n 1990-01-01\n false\n 0\n Unmarried\n \n \n \n \n \n 8333.33\n true\n Base\n \n \n \n \n \n \n false\n USCitizen\n No\n Yes\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n AAA\n \n \n \n false\n Secondary\n Mechanic\n 2000-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 175 13th St\n Washington\n US\n 20013\n DC\n \n \n \n 2400.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999405000\n \n \n \n \n \n \n \n \n \n \n Proposed\n \n \n PropertyOwner\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 2, "bank_statement": "{\"seed\": \"mortgage-ai-multi-acct-mortgage-demo-002-2mo\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 130908, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333444\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 89.44, \"description\": \"NETFLIX *STREAMING SUBSCRIPTION PPD ID:765432109\", \"transaction_id\": \"plaid-2-00001\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 142.18, \"description\": \"DEBIT CARD EXXONMOBILE #7234 GAS\", \"transaction_id\": \"plaid-2-00002\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00003\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": -500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00004\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-2-00005\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-06\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-2-00006\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 35, \"description\": \"NSF FEE CHARGE\", \"transaction_id\": \"plaid-2-00007\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00008\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-2-00009\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-2-00010\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": -1500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00011\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-11\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-2-00012\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": 48.11, \"description\": \"STARBUCKS #1123 POS\", \"transaction_id\": \"plaid-2-00013\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-2-00014\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00015\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-2-00016\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-2-00017\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00018\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": 124.37, \"description\": \"CHECK #1045 CLEARED\", \"transaction_id\": \"plaid-2-00019\"}, {\"date_transacted\": \"2025-07-18\", \"date_posted\": \"2025-07-19\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00020\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": -12300, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-2-00021\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-2-00022\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 2500, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-2-00023\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-2-00024\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-2-00025\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-2-00026\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY DC WATER PPD ID:456789012\", \"transaction_id\": \"plaid-2-00027\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00028\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-2-00029\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-2-00030\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -1000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00031\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00032\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-2-00033\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 2000, \"description\": \"ACH DEBIT VISA CREDIT CARD PMT PPD ID:234567890\", \"transaction_id\": \"plaid-2-00034\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00035\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-2-00036\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": -50000, \"description\": \"LIGHTSTREAM ACH PPD ID:123123123\", \"transaction_id\": \"plaid-2-00037\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 124.37, \"description\": \"CHECK #1046 CLEARED\", \"transaction_id\": \"plaid-2-00038\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 350, \"description\": \"ACH DEBIT ALLY BANK PMT PPD ID:321654987\", \"transaction_id\": \"plaid-2-00039\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00040\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-2-00041\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00042\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-2-00043\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00044\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-2-00045\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-2-00046\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-2-00047\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": -12800, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-2-00048\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 3000, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-2-00049\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY WASHINGTON GAS CO PPD ID:112233445\", \"transaction_id\": \"plaid-2-00050\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-2-00051\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-2-00052\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-2-00053\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-2-00054\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-2-00055\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-2-00056\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-2-00057\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 45800, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777888\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -12.5, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00058\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00059\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 1500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00060\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -2500, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-2-00061\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -12.9, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00062\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -13.1, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00063\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 1000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00064\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00065\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-2-00066\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -3000, \"description\": \"TRANSFER FROM CHECKING (SWEEP)\", \"transaction_id\": \"plaid-2-00067\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -13.2, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-2-00068\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-02T15:22:00.914788118Z\n \n \n \n \n \n \n \n \n \n 3444\n 130908.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 7888\n 45800.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 420306.00\n 5000.00\n -545.33\n false\n \n \n \n 1011 Brookside Ave\n Uniondale\n US\n 11553\n NY\n \n \n Investment\n 1000000.00\n Investment\n \n \n \n \n \n \n \n \n \n BELMAR\n US\n 07719\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 600000.00\n false\n false\n false\n false\n \n \n \n \n 600000.00\n \n \n \n \n \n \n 600000.00\n \n \n \n \n \n \n \n \n \n 502088\n false\n 1691.00\n true\n false\n MortgageLoan\n 210279.00\n false\n \n \n \n BEST EVER MORTGAGE\n \n \n \n \n \n 757570\n false\n 1671.00\n false\n false\n MortgageLoan\n 210027.00\n false\n \n \n \n CALLABLE MORTGAGE\n \n \n \n \n \n 435617\n false\n 133.00\n false\n Revolving\n 4665.00\n \n \n \n ALLEN BANK CARD\n \n \n \n \n \n 200021\n false\n 46.00\n false\n 37\n Installment\n 1554.00\n \n \n \n RELENTLESS BANK\n \n \n \n \n \n 171442\n false\n 27.00\n false\n Revolving\n 1357.00\n \n \n \n BURSTING CREDIT\n \n \n \n \n \n 411711911\n false\n 40.00\n false\n Revolving\n 450.00\n \n \n \n PRIME VISA\n \n \n \n \n \n 529115\n false\n 10.00\n false\n Revolving\n 29.00\n \n \n \n CAPITAL BANK\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n false\n false\n 2\n false\n false\n false\n false\n false\n false\n false\n 2\n \n \n \n 86881713506\n UniversalLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n 530000.00\n FirstLien\n Purchase\n Conventional\n 0.000\n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+testaa11@tidalhq.com\n \n \n \n \n Andy\n America\n \n \n \n \n \n \n 1990-01-01\n false\n 0\n Married\n \n \n \n \n \n 6000.00\n true\n Base\n \n \n \n \n \n \n false\n USCitizen\n Yes\n Yes\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n NY MTA\n \n \n \n false\n Secondary\n Manager\n 2000-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n Someplace\n US\n 02723\n MA\n \n \n \n 3000.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999603333\n \n \n \n \n \n \n \n \n drindner+amy11@tidalhq.com\n \n \n \n \n Amy\n America\n \n \n \n \n \n \n 1991-01-01\n false\n 0\n Married\n \n \n \n \n \n \n false\n USCitizen\n Yes\n Yes\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n Someplace\n US\n 02723\n MA\n \n \n Own\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 500602222\n \n \n \n \n \n \n \n \n \n \n Proposed\n \n \n PropertyOwner\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 3, "bank_statement": "{\"seed\": \"test-case-3-parsed-from-pdf\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 460.05, \"currency\": \"USD\", \"numbers\": {\"account\": \"36155551212\"}, \"transactions\": [{\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-05\", \"amount\": 150.67, \"description\": \"Withdrawal from COMCAST 8771201 430957880\", \"transaction_id\": \"plaid-3-00001\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-05\", \"amount\": 9.75, \"description\": \"Withdrawal from CAPITAL ONE ONLINE PMT\", \"transaction_id\": \"plaid-3-00002\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-07\", \"amount\": -250.0, \"description\": \"Deposit from 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00003\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": -1500.0, \"description\": \"Deposit from 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00004\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": 1500.0, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00005\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -0.04, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00006\"}]}, {\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 829.97, \"currency\": \"USD\", \"numbers\": {\"account\": \"36255553434\"}, \"transactions\": [{\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-01\", \"amount\": 189.24, \"description\": \"Debit Card Purchase - COSTCO WHSE #0371 BLOOMINGDALE, IL US\", \"transaction_id\": \"plaid-3-00007\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-03\", \"amount\": -720.25, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00008\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-10\", \"amount\": 178.23, \"description\": \"Debit Card Purchase - COSTCO WHSE #0342 NAPERVILLE, IL US\", \"transaction_id\": \"plaid-3-00009\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": 500.0, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878\", \"transaction_id\": \"plaid-3-00010\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-17\", \"amount\": -541.09, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00011\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-17\", \"amount\": 0.99, \"description\": \"Debit Card Purchase - APPLE COM BILL 866 712 7753 CA\", \"transaction_id\": \"plaid-3-00012\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": -750.0, \"description\": \"Deposit from 360 Performance Savings XXXXXXX7878\", \"transaction_id\": \"plaid-3-00013\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": 1500.0, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878\", \"transaction_id\": \"plaid-3-00014\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-25\", \"amount\": -1500.0, \"description\": \"Deposit from CHASE Bank P2P PAYMNT MOM FIRSTIMER Debit Card Purchase - SMITH BROTHERS NAPERVI\", \"transaction_id\": \"plaid-3-00015\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-26\", \"amount\": 46.04, \"description\": \"NAPERVILLE IL\", \"transaction_id\": \"plaid-3-00016\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": 1500.0, \"description\": \"Withdrawal to 360 Checking XXXXXXX1212 Debit Card Purchase - COSTCO WHSE #0342 NAPERVILLE, IL\", \"transaction_id\": \"plaid-3-00017\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-30\", \"amount\": 271.58, \"description\": \"US\", \"transaction_id\": \"plaid-3-00018\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -681.15, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00019\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -0.08, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00020\"}]}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 275412.72, \"currency\": \"USD\", \"numbers\": {\"account\": \"36177775656\"}, \"transactions\": [{\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-02\", \"amount\": 12048.2, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878 Preauthorized Deposit from JPMORGAN CHASE BANK, NA\", \"transaction_id\": \"plaid-3-00021\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-03\", \"amount\": -3000.0, \"description\": \"checking account XXXXX1111\", \"transaction_id\": \"plaid-3-00022\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-07\", \"amount\": 250.0, \"description\": \"Withdrawal to 360 Checking XXXXXXX1212\", \"transaction_id\": \"plaid-3-00023\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": 12036.59, \"description\": \"Withdrawal to 360 Performance Savings XXXXXXX7878 Preauthorized Withdrawal to JPMORGAN CHASE BANK, NA\", \"transaction_id\": \"plaid-3-00024\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-17\", \"amount\": 25000.0, \"description\": \"checking account XXXXX2222 Preauthorized Withdrawal to JPMORGAN CHASE BANK, NA\", \"transaction_id\": \"plaid-3-00025\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-22\", \"amount\": 750.0, \"description\": \"checking account XXXXX1111\", \"transaction_id\": \"plaid-3-00026\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-23\", \"amount\": 5.0, \"description\": \"Withdrawal from TrustFunds BUYER CONV\", \"transaction_id\": \"plaid-3-00027\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-23\", \"amount\": 5000.0, \"description\": \"Withdrawal from Coldwell Banker 12114352\", \"transaction_id\": \"plaid-3-00028\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-28\", \"amount\": -1500.0, \"description\": \"Deposit from 360 Checking XXXXXXX1212\", \"transaction_id\": \"plaid-3-00029\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -867.25, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00030\"}]}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 30333.64, \"currency\": \"USD\", \"numbers\": {\"account\": \"36299997878\"}, \"transactions\": [{\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-01\", \"amount\": 145.56, \"description\": \"Withdrawal from VERIZON WIRELESS PAYMENTS\", \"transaction_id\": \"plaid-3-00031\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-02\", \"amount\": -12048.2, \"description\": \"Deposit from 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00032\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-05\", \"amount\": -1680.6, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00033\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": -500.0, \"description\": \"Deposit from 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00034\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-14\", \"amount\": -12036.59, \"description\": \"Deposit from 360 Performance Savings XXXXXXX5656\", \"transaction_id\": \"plaid-3-00035\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-15\", \"amount\": 354.61, \"description\": \"Withdrawal from CAPITAL ONE CRCARDPMT\", \"transaction_id\": \"plaid-3-00036\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-15\", \"amount\": 1000.0, \"description\": \"Withdrawal from REMITLY INC REMITTANCE\", \"transaction_id\": \"plaid-3-00037\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": -1262.56, \"description\": \"Deposit from NY MTA DIR DEP\", \"transaction_id\": \"plaid-3-00038\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": 750.0, \"description\": \"Withdrawal to 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00039\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-19\", \"amount\": -1500.0, \"description\": \"Deposit from 360 Checking XXXXXXX3434\", \"transaction_id\": \"plaid-3-00040\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-24\", \"amount\": 858.85, \"description\": \"Withdrawal from CAPITAL ONE ONLINE PMT\", \"transaction_id\": \"plaid-3-00041\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-30\", \"amount\": 112.81, \"description\": \"Withdrawal from VERIZON WIRELESS PAYMENTS\", \"transaction_id\": \"plaid-3-00042\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-07-31\", \"amount\": -178.21, \"description\": \"Monthly Interest Paid\", \"transaction_id\": \"plaid-3-00043\"}]}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-02T15:22:26.622922152Z\n \n \n \n \n \n \n \n \n \n 1212\n 549.67\n CheckingAccount\n \n \n \n Capital One\n \n \n \n \n \n 5656\n 225690.18\n SavingsAccount\n \n \n \n Capital One\n \n \n \n \n \n 3434\n 836.46\n CheckingAccount\n \n \n \n Capital One\n \n \n \n \n \n 7878\n 56317.97\n SavingsAccount\n \n \n \n Capital One\n \n \n \n \n \n \n \n \n 1011 Brookside Ave\n Asbury Park\n US\n 07712\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 1000000.00\n false\n false\n false\n false\n \n \n \n \n 1000000.00\n \n \n \n \n \n \n 1000000.00\n \n \n \n \n \n \n \n \n \n 3563A019732\n false\n 123.00\n false\n 5\n Installment\n 2600.00\n \n \n \n MOUNTAIN BANK\n \n \n \n \n \n 98E543184\n false\n 44.00\n false\n Revolving\n 437.00\n \n \n \n HEMLOCKS\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n false\n false\n 1\n false\n false\n false\n false\n false\n false\n false\n 1\n \n \n \n 84192307554\n UniversalLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n \n 5000.00\n EarnestMoney\n \n \n \n 800000.00\n FirstLien\n Purchase\n Conventional\n 0.000\n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+alice1@tidalhq.com\n \n \n \n \n Alice\n Firstimer\n \n \n \n \n \n \n 2000-01-01\n false\n 0\n Unmarried\n \n \n \n \n \n 6678\n true\n Base\n \n \n \n \n \n \n false\n USCitizen\n No\n Yes\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n NY MTA\n \n \n \n false\n Secondary\n Worker\n 2000-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 9991 Warford St\n Dawson\n US\n 50066\n IA\n \n \n \n 3000.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 991919991\n \n \n \n \n \n \n \n \n \n \n Proposed\n \n \n PropertyOwner\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 4, "bank_statement": "{\"plaid_files\": [{\"seed\": \"pp-lp-platypus-4acct-final-affirm-credit-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205600, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122334411\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 92.44, \"description\": \"ONLINE BILL PAY - BALTIMORE CITY WATER\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00001\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 132.18, \"description\": \"SAFEWAY #312 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00002\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 14.25, \"description\": \"STARBUCKS #4457 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00003\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - JULY RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00004\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00005\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00006\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00007\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00008\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-11\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK LOAN PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00009\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": -3000, \"description\": \"ACH CREDIT - COMMUNITY SAVINGS CLUB FUNDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00010\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00011\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00012\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00013\"}, {\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": 42.3, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00014\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -2500, \"description\": \"ACH CREDIT - BEFOREPAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00015\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00016\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT - AUGUST RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00017\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 92.18, \"description\": \"PEPCO ELECTRIC ONLINE BILL PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00018\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00019\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00020\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00021\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00022\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK LOAN PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00023\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -3000, \"description\": \"ACH CREDIT - COMMUNITY SAVINGS CLUB FUNDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00024\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00025\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00026\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00027\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -25000, \"description\": \"INTL WIRE IN CREDIT - FOREIGN FUNDS TRANSFER\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00028\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -3000, \"description\": \"ACH CREDIT - COMMUNITY SAVINGS CLUB FUNDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00029\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00030\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Baltimore\", \"street\": \"1234 Main St\", \"postal_code\": \"20600\", \"region\": \"MD\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 54500, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122335522\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -6.75, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00031\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -500, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00032\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -6.9, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00033\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -7.05, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00034\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00035\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -7.25, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00036\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"]}}, {\"type\": \"investment\", \"subtype\": \"utma\", \"starting_balance\": 15000, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122337788\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": -4.5, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00037\"}, {\"date_transacted\": \"2025-07-13\", \"date_posted\": \"2025-07-14\", \"amount\": -150, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00038\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -4.65, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00039\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -4.7, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00040\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": -100, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00041\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -4.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00042\"}], \"identity\": {\"names\": [\"Patrick Purchaser, as custodian for Jordan Purchaser\"]}}]}, {\"seed\": \"pp-lp-tartan-4acct-final-affirm-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 90200, \"currency\": \"USD\", \"numbers\": {\"account\": \"556677889921\"}, \"transactions\": [{\"date_transacted\": \"2025-06-30\", \"date_posted\": \"2025-07-01\", \"amount\": 85.4, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00043\"}, {\"date_transacted\": \"2025-07-01\", \"date_posted\": \"2025-07-02\", \"amount\": 225, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00044\"}, {\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": 42.33, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00045\"}, {\"date_transacted\": \"2025-07-04\", \"date_posted\": \"2025-07-05\", \"amount\": 312.17, \"description\": \"SHELL COMMERCIAL FUEL #8821\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00046\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 149.99, \"description\": \"AMAZON BUSINESS PRIME MEMBERSHIP\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00047\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": -5200, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1042\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00048\"}, {\"date_transacted\": \"2025-07-08\", \"date_posted\": \"2025-07-09\", \"amount\": 94.6, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00049\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 63.2, \"description\": \"UBER TRIP - CLIENT VISIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00050\"}, {\"date_transacted\": \"2025-07-11\", \"date_posted\": \"2025-07-12\", \"amount\": 1800, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00051\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 1450, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00052\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 58.42, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00053\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 75.2, \"description\": \"RESTAURANT POS - CHIPOTLE BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00054\"}, {\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": 96.21, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00055\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 84.18, \"description\": \"BEST BUY #1204 SMALL EQUIPMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00056\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 225, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00057\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -3800, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1043\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00058\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 142.55, \"description\": \"WALMART BUSINESS SUPPLY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00059\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 2400, \"description\": \"ACH DEBIT - BUSINESS RENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00060\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 129, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00061\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 88.7, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00062\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00063\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 52.3, \"description\": \"RESTAURANT POS - SUBWAY BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00064\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 950, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00065\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 36.8, \"description\": \"UBER TRIP - CLIENT MEETING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00066\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00067\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 88.4, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00068\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -6100, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1044\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00069\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 129, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00070\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 68.22, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00071\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 1800, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00072\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 49.99, \"description\": \"GOOGLE WORKSPACE BUSINESS APPS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00073\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 225, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00074\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 72.15, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00075\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 95, \"description\": \"FEDEX EXPRESS #4411\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00076\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 88.62, \"description\": \"EXXONMOBIL FLEET #5512\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00077\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 42.5, \"description\": \"STARBUCKS #5566 BUSINESS TRAVEL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-4-00078\"}], \"identity\": {\"names\": [\"Purchaser Home Services LLC\", \"Patrick Purchaser (authorized signer)\"], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Baltimore\", \"street\": \"1234 Main St\", \"postal_code\": \"20600\", \"region\": \"MD\"}}]}}]}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-02T15:22:57.053775515Z\n \n \n \n \n \n \n \n \n \n 5522\n 54500.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 4411\n 205600.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 7788\n 15000.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 9921\n 90200.00\n CheckingAccount\n \n \n \n First Gingham Credit Union\n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 124268.00\n 8000.00\n false\n \n \n \n 123 1st Ave\n New York\n US\n 10003\n NY\n \n \n Investment\n 1000000.00\n Investment\n \n \n \n \n \n \n \n \n \n ASBURY PARK\n US\n 07712\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 800000.00\n false\n false\n false\n false\n \n \n \n \n 800000.00\n \n \n \n \n \n \n 800000.00\n \n \n \n \n \n \n \n \n \n 478453\n false\n 746.00\n true\n false\n MortgageLoan\n 98514.00\n false\n \n \n \n ACE MORTGAGE\n \n \n \n \n \n 316157\n false\n 233.00\n false\n false\n MortgageLoan\n 22754.00\n false\n \n \n \n BEST MORTGAGE\n \n \n \n \n \n 5566778\n false\n 0.00\n false\n false\n HELOC\n 3000.00\n false\n \n \n \n ENLIGHTENED BANK\n \n \n \n \n \n 13584\n false\n 79.00\n false\n Revolving\n 2663.00\n \n \n \n MERRY CREDIT\n \n \n \n \n \n 4569817\n false\n 75.00\n false\n Revolving\n 2530.00\n \n \n \n NO NONSENSE CREDIT\n \n \n \n \n \n 234\n false\n 100.00\n false\n Revolving\n 2000.00\n \n \n \n TROUBLING CARDS\n \n \n \n \n \n 4567890\n false\n 10.00\n false\n Revolving\n 253.00\n \n \n \n POLITE CREDIT\n \n \n \n \n \n 721987\n false\n 25.00\n false\n Revolving\n 81.00\n \n \n \n SANE CREDIT\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n false\n false\n 2\n false\n false\n false\n false\n false\n false\n false\n 2\n \n \n \n 80731120165\n UniversalLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n 640000.00\n FirstLien\n Purchase\n Conventional\n 0.000\n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+test0923784@tidalhq.com\n \n \n \n \n Patrick\n Purchaser\n \n \n \n \n \n \n 1992-01-01\n false\n 0\n Married\n \n \n \n \n \n 10000.00\n true\n Base\n \n \n \n \n 833.33\n true\n Bonus\n \n \n \n \n \n \n false\n USCitizen\n Yes\n No\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n Amazon\n \n \n \n false\n Secondary\n Manager\n 2020-01-01\n Current\n 130\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 1234 Main St\n Baltimore\n US\n 20600\n MD\n \n \n \n 2400.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999121234\n \n \n \n \n \n \n \n \n drindner+testpap@tidalhq.com\n \n \n \n \n Lorraine\n Purchaser\n \n \n \n \n \n \n 1995-01-01\n false\n 0\n Married\n \n \n \n \n \n \n false\n USCitizen\n No\n No\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 1234 Main St\n Baltimore\n US\n 20600\n MD\n \n \n \n 2400.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999565678\n \n \n \n \n \n \n \n \n \n \n Proposed\n \n \n PropertyOwner\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 5, "bank_statement": "{\"seed\": \"andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 56400, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333000\"}, \"transactions\": [{\"date_transacted\": \"2025-07-02\", \"date_posted\": \"2025-07-03\", \"amount\": -5000, \"description\": \"ACH CREDIT - 1013 Bloomfield Ave\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00001\"}, {\"date_transacted\": \"2025-07-03\", \"date_posted\": \"2025-07-04\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00002\"}, {\"date_transacted\": \"2025-07-05\", \"date_posted\": \"2025-07-06\", \"amount\": 44.23, \"description\": \"PHARMACY - CVS STORE #9921\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00003\"}, {\"date_transacted\": \"2025-07-06\", \"date_posted\": \"2025-07-07\", \"amount\": 64.88, \"description\": \"TRADER JOE'S #102 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00004\"}, {\"date_transacted\": \"2025-07-07\", \"date_posted\": \"2025-07-08\", \"amount\": 92.11, \"description\": \"DINING - APPLEBEE'S SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00005\"}, {\"date_transacted\": \"2025-07-09\", \"date_posted\": \"2025-07-10\", \"amount\": 96.21, \"description\": \"GAS & SERVICE STATION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00006\"}, {\"date_transacted\": \"2025-07-10\", \"date_posted\": \"2025-07-11\", \"amount\": 72.99, \"description\": \"DINING - PIZZA HUT #1123\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00007\"}, {\"date_transacted\": \"2025-07-12\", \"date_posted\": \"2025-07-13\", \"amount\": 212.66, \"description\": \"UTILITY PAYMENT - CON EDISON\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00008\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00009\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00010\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00011\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00012\"}, {\"date_transacted\": \"2025-07-15\", \"date_posted\": \"2025-07-16\", \"amount\": 85.25, \"description\": \"RESTAURANT POS - CHIPOTLE #441\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00013\"}, {\"date_transacted\": \"2025-07-16\", \"date_posted\": \"2025-07-17\", \"amount\": 45, \"description\": \"SPOTIFY SUBSCRIPTION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00014\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 124.37, \"description\": \"CHECK #1051\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00015\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00016\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00017\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00018\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -3000, \"description\": \"ACH CREDIT - 2308 Logan Rd\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00019\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00020\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00021\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00022\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -5000, \"description\": \"ACH CREDIT - 1013 Bloomfield Ave\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00023\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 129.55, \"description\": \"SAFEWAY #312 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00024\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 54.35, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00025\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 93.44, \"description\": \"UTILITY PAYMENT - WATER COMPANY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00026\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00027\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00028\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00029\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00030\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 84.22, \"description\": \"DINING - OLIVE GARDEN SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00031\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 35, \"description\": \"SUBSCRIPTION - APPLE ICLOUD STORAGE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00032\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 124.37, \"description\": \"CHECK #1052\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00033\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00034\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00035\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00036\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -3000, \"description\": \"ACH CREDIT - 2308 Logan Rd\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00037\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00038\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00039\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00040\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": -5000, \"description\": \"ACH CREDIT - 1013 Bloomfield Ave\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00041\"}], \"identity\": {\"names\": [\"Andy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 38000, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777000\"}, \"transactions\": [{\"date_transacted\": \"2025-07-19\", \"date_posted\": \"2025-07-20\", \"amount\": -2000, \"description\": \"ACH CREDIT - BONUS SAVINGS CLUB\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00042\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00043\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00044\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00045\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00046\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00047\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00048\"}], \"identity\": {\"names\": [\"Andy America\"]}}, {\"type\": \"investment\", \"subtype\": \"401k\", \"starting_balance\": 50750, \"currency\": \"USD\", \"numbers\": {\"account\": \"401k556677\"}, \"transactions\": [{\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00049\"}, {\"date_transacted\": \"2025-07-14\", \"date_posted\": \"2025-07-15\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00050\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -375, \"description\": \"MARKET APPRECIATION / DIVIDENDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00051\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00052\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO)\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00053\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -185, \"description\": \"DIVIDEND REINVESTMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-5-00054\"}], \"identity\": {\"names\": [\"Andy America\"]}}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-02T15:23:17.031596351Z\n \n \n \n \n \n \n \n \n \n 3000\n 90345.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 7000\n 38000.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 6677\n 50750.00\n RetirementFund\n \n \n \n First Platypus Bank\n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 210279.00\n true\n \n \n \n 1013 Bloomfield Ave\n Asbury Park\n US\n 07712\n NJ\n \n \n 1000000.00\n \n \n \n \n \n \n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 210027.00\n 3000.00\n false\n \n \n \n 2308 Logan Rd\n Asbury Park\n US\n 07712\n NJ\n \n \n Investment\n 1000000.00\n Investment\n \n \n \n \n \n \n \n \n \n 1013 Bloomfield Ave\n Asbury Park\n US\n 07712\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 1000000.00\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n \n \n 502088\n false\n 1691.00\n false\n false\n MortgageLoan\n 210279.00\n false\n \n \n \n BEST EVER MORTGAGE\n \n \n \n \n \n 757570\n false\n 1671.00\n true\n false\n MortgageLoan\n 210027.00\n false\n \n \n \n CALLABLE MORTGAGE\n \n \n \n \n \n 435617\n false\n 133.00\n false\n Revolving\n 4665.00\n \n \n \n ALLEN BANK CARD\n \n \n \n \n \n 200021\n false\n 46.00\n false\n 37\n Installment\n 1554.00\n \n \n \n RELENTLESS BANK\n \n \n \n \n \n 171442\n false\n 27.00\n false\n Revolving\n 1357.00\n \n \n \n BURSTING CREDIT\n \n \n \n \n \n 411711911\n false\n 40.00\n false\n Revolving\n 450.00\n \n \n \n PRIME VISA\n \n \n \n \n \n 529115\n false\n 10.00\n false\n Revolving\n 29.00\n \n \n \n CAPITAL BANK\n \n \n \n \n 0.00\n 0.00\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n false\n false\n 1\n false\n false\n false\n false\n false\n false\n false\n false\n 2\n \n \n \n 89811904866\n UniversalLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n CashOut\n Other\n \n \n 500000.00\n FirstLien\n Refinance\n Conventional\n 0.000\n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+andytest11@tidalhq.com\n \n \n \n \n Andy\n America\n \n \n \n \n \n \n 1991-03-01\n false\n 0\n Married\n \n \n \n \n \n 10000.00\n true\n Base\n \n \n \n \n 20000.00\n false\n Pension\n \n \n \n \n \n \n false\n USCitizen\n Yes\n No\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n Costco\n \n \n \n false\n Secondary\n Manager\n 2020-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n Somplace\n US\n 02723\n MA\n \n \n Own\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999603333\n \n \n \n \n \n \n \n \n \n \n Proposed\n \n \n PropertyOwner\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 6, "bank_statement": "{\"seed\": \"john-homeowner-mortgage-test-003\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205500, \"currency\": \"USD\", \"numbers\": {\"account\": \"220011003344\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY DC WATER JUL25 PMT PPD ID:123456789\", \"transaction_id\": \"plaid-6-00001\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY ID:6789-VZW PPD ID:987654321\", \"transaction_id\": \"plaid-6-00002\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 63.44, \"description\": \"SAFEWAY #312 WASHINGTON DC DEBIT CARD 4111\", \"transaction_id\": \"plaid-6-00003\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 24.85, \"description\": \"STARBUCKS #5567 WASHINGTON DC POS\", \"transaction_id\": \"plaid-6-00004\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 1200, \"description\": \"ACH DEBIT NJFSPC ID:4567-001 PPD ID:234567890\", \"transaction_id\": \"plaid-6-00005\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 56.12, \"description\": \"UBER TRIP *HELP.UBER.COM T22345\", \"transaction_id\": \"plaid-6-00006\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 145.2, \"description\": \"AMAZON.COM MKTPLACE PMTS AMZN.COM\", \"transaction_id\": \"plaid-6-00007\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 89.44, \"description\": \"NETFLIX.COM SUBSCRIPTION PPD ID:345678901\", \"transaction_id\": \"plaid-6-00008\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 76.34, \"description\": \"TRADER JOE'S #654 WASHINGTON DC 08-07 CARD PMT\", \"transaction_id\": \"plaid-6-00009\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT TO SAMUEL P - JULY\", \"transaction_id\": \"plaid-6-00010\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -50000, \"description\": \"WIRE TRANSFER IN MARY HOMEOWNER REF#456789/ACH PPD ID:456789012\", \"transaction_id\": \"plaid-6-00011\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 WASHINGTON DC DEBIT 0712\", \"transaction_id\": \"plaid-6-00012\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 65, \"description\": \"LYFT RIDE *HELP.LYFT.COM ID:L20254\", \"transaction_id\": \"plaid-6-00013\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": -3050, \"description\": \"ACH DEPOSIT AAA INC PAYROLL ID:XYZ1234 PPD ID:567890123\", \"transaction_id\": \"plaid-6-00014\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 118.54, \"description\": \"GIANT FOOD #1450 WASHINGTON DC PMT\", \"transaction_id\": \"plaid-6-00015\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 72.94, \"description\": \"CHIPOTLE #441 RESTAURANT DC 0716\", \"transaction_id\": \"plaid-6-00016\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #10421 DC\", \"transaction_id\": \"plaid-6-00017\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 42.33, \"description\": \"TARGET T-0743 WASHINGTON DC DEBIT\", \"transaction_id\": \"plaid-6-00018\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 72.94, \"description\": \"DINING BUSBOYS & POETS WASHINGTON DC\", \"transaction_id\": \"plaid-6-00019\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 500, \"description\": \"TOYOTA MOTOR CREDIT AUTO LOAN PMT PPD ID:678901234\", \"transaction_id\": \"plaid-6-00020\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 257, \"description\": \"JPMORGAN CHASE CREDIT PMT PPD ID:789012345\", \"transaction_id\": \"plaid-6-00021\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 50, \"description\": \"SALLIEMAE LOAN PAYMENT #55-EDUCATIONAL PPD ID:890123456\", \"transaction_id\": \"plaid-6-00022\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 25, \"description\": \"SALLIEMAE LOAN PAYMENT #61-EDUCATIONAL PPD ID:901234567\", \"transaction_id\": \"plaid-6-00023\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 40, \"description\": \"ATM WITHDRAWAL 123 MAIN ST DC #44567\", \"transaction_id\": \"plaid-6-00024\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 9.99, \"description\": \"SPOTIFY PREMIUM SUBSCRIPTION PPD ID:012345678\", \"transaction_id\": \"plaid-6-00025\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 45, \"description\": \"MICROSOFT *OFFICE365.COM PPD ID:109876543\", \"transaction_id\": \"plaid-6-00026\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 37.25, \"description\": \"UBER EATS ORDER HELP.UBER.COM TXID-UBEREATS\", \"transaction_id\": \"plaid-6-00027\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 96.21, \"description\": \"SHELL OIL #5754 WASHINGTON DC DEBIT\", \"transaction_id\": \"plaid-6-00028\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 82.75, \"description\": \"WALGREENS STORE #4401 WASHINGTON DC\", \"transaction_id\": \"plaid-6-00029\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -60000, \"description\": \"ACH CREDIT FIDELITY INVESTMENTS DEPOSIT PPD ID:210987654\", \"transaction_id\": \"plaid-6-00030\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": 57.85, \"description\": \"SHAKE SHACK #044 DC POS DEBIT\", \"transaction_id\": \"plaid-6-00031\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -3050, \"description\": \"ACH DEPOSIT AAA INC PAYROLL ID:XYZ1234 PPD ID:321654987\", \"transaction_id\": \"plaid-6-00032\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 2400, \"description\": \"ZELLE PAYMENT TO SAMUEL P - AUGUST\", \"transaction_id\": \"plaid-6-00033\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 142.56, \"description\": \"SAFEWAY #312 WASHINGTON DC DEBIT CARD 4111\", \"transaction_id\": \"plaid-6-00034\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": -20000, \"description\": \"ACH CREDIT COINBASE ID:CASH-OUT PPD ID:432109876\", \"transaction_id\": \"plaid-6-00035\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 35.67, \"description\": \"UBER TRIP *HELP.UBER.COM T22401\", \"transaction_id\": \"plaid-6-00036\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 1200, \"description\": \"ACH DEBIT NJFSPC ID:4567-002 PPD ID:543210987\", \"transaction_id\": \"plaid-6-00037\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": 84.22, \"description\": \"TRADER JOE'S #654 WASHINGTON DC DEBIT 0805\", \"transaction_id\": \"plaid-6-00038\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY PEPCO ELECTRIC AUG25 PMT PPD ID:654321098\", \"transaction_id\": \"plaid-6-00039\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": 23.44, \"description\": \"STARBUCKS #5567 WASHINGTON DC POS\", \"transaction_id\": \"plaid-6-00040\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 124.37, \"description\": \"CHECK #2051 CLEARED\", \"transaction_id\": \"plaid-6-00041\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 500, \"description\": \"TOYOTA MOTOR CREDIT AUTO LOAN PMT PPD ID:765432109\", \"transaction_id\": \"plaid-6-00042\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 257, \"description\": \"JPMORGAN CHASE CREDIT PMT PPD ID:876543210\", \"transaction_id\": \"plaid-6-00043\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 50, \"description\": \"SALLIEMAE LOAN PAYMENT #55-EDUCATIONAL PPD ID:987654321\", \"transaction_id\": \"plaid-6-00044\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 25, \"description\": \"SALLIEMAE LOAN PAYMENT #61-EDUCATIONAL PPD ID:098765432\", \"transaction_id\": \"plaid-6-00045\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 74.5, \"description\": \"AMAZON.COM MKTPLACE PMTS AMZN.COM\", \"transaction_id\": \"plaid-6-00046\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY ID:6789-VZW PPD ID:987654321\", \"transaction_id\": \"plaid-6-00047\"}, {\"date_transacted\": \"2025-09-01\", \"date_posted\": \"2025-09-02\", \"amount\": 58.3, \"description\": \"STARBUCKS #4567 WASHINGTON DC POS\", \"transaction_id\": \"plaid-6-00048\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": 67.1, \"description\": \"UBER EATS ORDER HELP.UBER.COM TXID-UBEREATS\", \"transaction_id\": \"plaid-6-00049\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": -3050, \"description\": \"ACH DEPOSIT AAA INC PAYROLL ID:XYZ1234 PPD ID:321654987\", \"transaction_id\": \"plaid-6-00050\"}, {\"date_transacted\": \"2025-09-04\", \"date_posted\": \"2025-09-05\", \"amount\": 91.2, \"description\": \"GIANT FOOD #1450 WASHINGTON DC PMT\", \"transaction_id\": \"plaid-6-00051\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": 39.99, \"description\": \"HULU*LLC SUBSCRIPTION PPD ID:123456789\", \"transaction_id\": \"plaid-6-00052\"}, {\"date_transacted\": \"2025-09-06\", \"date_posted\": \"2025-09-07\", \"amount\": 212.6, \"description\": \"GEICO AUTO INS PREMIUM PMT PPD ID:876543210\", \"transaction_id\": \"plaid-6-00053\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": 84.62, \"description\": \"CLYDE'S GALLERY PL DINING Washington DC\", \"transaction_id\": \"plaid-6-00054\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": 55.42, \"description\": \"UBER TRIP *HELP.UBER.COM T22456\", \"transaction_id\": \"plaid-6-00055\"}, {\"date_transacted\": \"2025-09-09\", \"date_posted\": \"2025-09-10\", \"amount\": 102.2, \"description\": \"WALGREENS STORE #4401 WASHINGTON DC\", \"transaction_id\": \"plaid-6-00056\"}, {\"date_transacted\": \"2025-09-10\", \"date_posted\": \"2025-09-11\", \"amount\": 96.21, \"description\": \"EXXONMOBIL #0223 GAS Washington DC\", \"transaction_id\": \"plaid-6-00057\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": 52.5, \"description\": \"TARGET T-0743 WASHINGTON DC\", \"transaction_id\": \"plaid-6-00058\"}, {\"date_transacted\": \"2025-09-12\", \"date_posted\": \"2025-09-13\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY WASHINGTON GAS PMT PPD ID:112233445\", \"transaction_id\": \"plaid-6-00059\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": 5000, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-6-00060\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 15500, \"currency\": \"USD\", \"numbers\": {\"account\": \"990077005511\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -8.5, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-6-00061\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": -1500, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00062\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 1000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-6-00063\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -8.95, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-6-00064\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": -9.05, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-6-00065\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": -2000, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00066\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -3000, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00067\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -5000, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-6-00068\"}], \"identity\": {\"names\": [\"John Homeowner\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"john.homeowner@testmail.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Washington\", \"street\": \"175 13th St\", \"postal_code\": \"20013\", \"region\": \"DC\"}}]}}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-19T18:12:57.163664935Z\n \n \n \n \n \n \n \n \n \n 3344\n 205500.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 5511\n 15500.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 50000.00\n GiftOfCash\n Relative\n \n \n \n true\n \n \n \n \n \n \n \n \n \n \n ASBURY PARK\n US\n 07712\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 800000.00\n false\n false\n false\n PrimaryResidence\n false\n \n \n \n \n 800000.00\n \n \n \n \n \n \n 800000.00\n \n \n \n \n \n \n \n \n \n 3210989098\n false\n 500.00\n false\n 33\n Installment\n 15838.00\n \n \n \n TOYOTA CREDIT\n \n \n \n \n \n 58652333\n false\n 257.00\n false\n 21\n Installment\n 5000.00\n \n \n \n CHASE\n \n \n \n \n \n 950254520\n false\n 0.00\n false\n 61\n Installment\n 5000.00\n \n \n \n SALLIE MAE\n \n \n \n \n \n 950752340\n false\n 25.00\n false\n 73\n Installment\n 1100.00\n \n \n \n SALLIE MAE\n \n \n \n \n \n 6011785239\n false\n 25.00\n false\n Revolving\n 950.00\n \n \n \n UNIVERSAL VISA\n \n \n \n \n \n \n \n \n \n Fixed\n 360\n Month\n \n \n \n \n \n \n 2912.00\n LenderCredit\n \n \n \n \n \n \n \n \n \n 1545.15\n \n \n \n \n \n \n 3785.84\n Proposed\n FirstMortgagePrincipalAndInterest\n \n \n 247.33\n Proposed\n HomeownersInsurance\n \n \n 1420.00\n Proposed\n RealEstateTax\n \n \n \n false\n false\n 1\n false\n false\n false\n false\n false\n false\n false\n 1\n \n \n \n 86744679655\n UniversalLoan\n \n \n 86744679655\n LenderLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n 640000.00\n FirstLien\n Purchase\n Conventional\n 5.875\n \n \n \n \n 2009819308\n \n \n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+columbiajohntest1@tidalhq.com\n \n \n \n \n John\n Homeowner\n \n \n \n \n \n \n \n true\n \n \n \n \n \n \n \n \n \n 1991-01-01\n false\n 0\n Unmarried\n \n \n \n \n \n 16666.67\n true\n Base\n \n \n \n \n \n \n false\n USCitizen\n No\n Yes\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n AAA Inc\n \n \n \n false\n Primary\n Manager\n 2000-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n true\n false\n true\n false\n true\n \n \n \n Internet\n \n \n \n \n \n \n \n \n 175 13th St\n Washington\n US\n 20013\n DC\n \n \n \n 2400.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999405000\n \n \n \n \n \n \n ABC Bank\n \n \n \n \n 123 Main St\n MyCity\n US\n 12345\n OH\n \n \n \n \n \n \n \n Private\n 123456\n \n \n \n \n PublicState\n 1234\n \n \n \n \n LoanOriginationCompany\n \n \n \n \n \n \n \n \n \n \n Derek\n Test\n Staging\n \n \n \n \n \n \n \n Private\n 123456\n \n \n \n \n PublicState\n 123456\n \n \n \n \n LoanOriginator\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 7, "bank_statement": "{\"seed\": \"mortgage-ai-multi-acct-mortgage-demo-002-2mo\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 130908, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333444\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 89.44, \"description\": \"NETFLIX *STREAMING SUBSCRIPTION PPD ID:765432109\", \"transaction_id\": \"plaid-7-00001\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 142.18, \"description\": \"DEBIT CARD EXXONMOBILE #7234 GAS\", \"transaction_id\": \"plaid-7-00002\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00003\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00004\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-7-00005\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-7-00006\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 35, \"description\": \"NSF FEE CHARGE\", \"transaction_id\": \"plaid-7-00007\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00008\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-7-00009\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-7-00010\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": -1500, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00011\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-7-00012\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 48.11, \"description\": \"STARBUCKS #1123 POS\", \"transaction_id\": \"plaid-7-00013\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-7-00014\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00015\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-7-00016\"}, {\"date_transacted\": \"2025-08-03\", \"date_posted\": \"2025-08-04\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-7-00017\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00018\"}, {\"date_transacted\": \"2025-08-06\", \"date_posted\": \"2025-08-07\", \"amount\": 124.37, \"description\": \"CHECK #1045 CLEARED\", \"transaction_id\": \"plaid-7-00019\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00020\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": -12300, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-7-00021\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-7-00022\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 2500, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-7-00023\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-7-00024\"}, {\"date_transacted\": \"2025-08-12\", \"date_posted\": \"2025-08-13\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-7-00025\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-7-00026\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY DC WATER PPD ID:456789012\", \"transaction_id\": \"plaid-7-00027\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00028\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": 3000, \"description\": \"ZELLE PAYMENT TO JOHN SMITH\", \"transaction_id\": \"plaid-7-00029\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTOPAY PPD ID:123456789\", \"transaction_id\": \"plaid-7-00030\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": -1000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00031\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 58.3, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00032\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": -2200, \"description\": \"ACH CREDIT SSA US TREASURY PPD ID:555444333\", \"transaction_id\": \"plaid-7-00033\"}, {\"date_transacted\": \"2025-08-24\", \"date_posted\": \"2025-08-25\", \"amount\": 2000, \"description\": \"ACH DEBIT VISA CREDIT CARD PMT PPD ID:234567890\", \"transaction_id\": \"plaid-7-00034\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00035\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY CON EDISON PPD ID:987654321\", \"transaction_id\": \"plaid-7-00036\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": -50000, \"description\": \"LIGHTSTREAM ACH PPD ID:123123123\", \"transaction_id\": \"plaid-7-00037\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 124.37, \"description\": \"CHECK #1046 CLEARED\", \"transaction_id\": \"plaid-7-00038\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 350, \"description\": \"ACH DEBIT ALLY BANK PMT PPD ID:321654987\", \"transaction_id\": \"plaid-7-00039\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00040\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": -2000, \"description\": \"TRANSFER FROM SAVINGS\", \"transaction_id\": \"plaid-7-00041\"}, {\"date_transacted\": \"2025-09-01\", \"date_posted\": \"2025-09-02\", \"amount\": 72.94, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00042\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": 125, \"description\": \"ACH DEBIT AMEX PAYMENT PPD ID:112233445\", \"transaction_id\": \"plaid-7-00043\"}, {\"date_transacted\": \"2025-09-02\", \"date_posted\": \"2025-09-03\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00044\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": 95, \"description\": \"ACH DEBIT CAPITAL ONE PMT PPD ID:678901234\", \"transaction_id\": \"plaid-7-00045\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": 79, \"description\": \"ACH DEBIT AFTERPAY INC PMT PPD ID:998877665\", \"transaction_id\": \"plaid-7-00046\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": 212.6, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:876543210\", \"transaction_id\": \"plaid-7-00047\"}, {\"date_transacted\": \"2025-09-04\", \"date_posted\": \"2025-09-05\", \"amount\": -12800, \"description\": \"ATM CASH DEPOSIT *ATM LOC\", \"transaction_id\": \"plaid-7-00048\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": 3000, \"description\": \"TRANSFER TO SAVINGS\", \"transaction_id\": \"plaid-7-00049\"}, {\"date_transacted\": \"2025-09-06\", \"date_posted\": \"2025-09-07\", \"amount\": 92.18, \"description\": \"ONLINE BILL PAY WASHINGTON GAS CO PPD ID:112233445\", \"transaction_id\": \"plaid-7-00050\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": 118.54, \"description\": \"SAFEWAY 1234 #5678 WASHINGTON DC\", \"transaction_id\": \"plaid-7-00051\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": 62, \"description\": \"ACH DEBIT KLARNA PMT PPD ID:445566778\", \"transaction_id\": \"plaid-7-00052\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": 64.22, \"description\": \"CVS PHARMACY #5431\", \"transaction_id\": \"plaid-7-00053\"}, {\"date_transacted\": \"2025-09-10\", \"date_posted\": \"2025-09-11\", \"amount\": 45, \"description\": \"GOOGLE *GSUITE/GDRIVE PPD ID:109876543\", \"transaction_id\": \"plaid-7-00054\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": 96.21, \"description\": \"DEBIT CARD SHELL #9876\", \"transaction_id\": \"plaid-7-00055\"}, {\"date_transacted\": \"2025-09-12\", \"date_posted\": \"2025-09-13\", \"amount\": 84.62, \"description\": \"POS RESTAURANT WASHINGTON DC\", \"transaction_id\": \"plaid-7-00056\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -2500, \"description\": \"ACH DEPOSIT NY MTA PAYROLL PPD ID:667788990\", \"transaction_id\": \"plaid-7-00057\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 45800, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777888\", \"ach_routing\": \"011000015\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -12.5, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00058\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00059\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 1500, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00060\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": -2500, \"description\": \"TRANSFER FROM CHECKING\", \"transaction_id\": \"plaid-7-00061\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -12.9, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00062\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": -13.1, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00063\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": 1000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00064\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00065\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 2000, \"description\": \"TRANSFER TO CHECKING\", \"transaction_id\": \"plaid-7-00066\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -3000, \"description\": \"TRANSFER FROM CHECKING (SWEEP)\", \"transaction_id\": \"plaid-7-00067\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -13.2, \"description\": \"INTEREST EARNED\", \"transaction_id\": \"plaid-7-00068\"}], \"identity\": {\"names\": [\"Andy America\", \"Amy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}, {\"primary\": false, \"type\": \"primary\", \"data\": \"amyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-19T18:14:05.209837231Z\n \n \n \n \n \n \n \n \n \n 3444\n 130908.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 7888\n 45800.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 420306.00\n 6000.00\n 1138.00\n false\n \n \n \n 1013 Franklin Ave\n Asbury Park\n US\n 07712\n NJ\n \n \n Investment\n 1500000.00\n Investment\n \n \n \n \n \n \n \n \n \n BELMAR\n US\n 07719\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 800000.00\n false\n false\n false\n PrimaryResidence\n false\n \n \n \n \n 800000.00\n \n \n \n \n \n \n 800000.00\n \n \n \n \n \n \n \n \n \n 502088\n false\n 1691.00\n true\n false\n MortgageLoan\n 210279.00\n false\n \n \n \n BEST EVER MORTGAGE\n \n \n \n \n \n 757570\n false\n 1671.00\n false\n false\n MortgageLoan\n 210027.00\n false\n \n \n \n CALLABLE MORTGAGE\n \n \n \n \n \n 435617\n false\n 133.00\n false\n Revolving\n 4665.00\n \n \n \n ALLEN BANK CARD\n \n \n \n \n \n 200021\n false\n 46.00\n false\n 36\n Installment\n 1554.00\n \n \n \n RELENTLESS BANK\n \n \n \n \n \n 171442\n false\n 27.00\n false\n Revolving\n 1357.00\n \n \n \n BURSTING CREDIT\n \n \n \n \n \n 411711911\n false\n 40.00\n false\n Revolving\n 450.00\n \n \n \n PRIME VISA\n \n \n \n \n \n 529115\n false\n 10.00\n false\n Revolving\n 29.00\n \n \n \n CAPITAL BANK\n \n \n \n \n \n \n \n \n \n Fixed\n 360\n Month\n \n \n \n \n \n \n 8512.00\n LenderCredit\n \n \n \n \n \n \n \n \n \n 1545.15\n \n \n \n \n \n \n 3785.84\n Proposed\n FirstMortgagePrincipalAndInterest\n \n \n 247.33\n Proposed\n HomeownersInsurance\n \n \n 1420.00\n Proposed\n RealEstateTax\n \n \n \n false\n false\n 2\n false\n false\n false\n false\n false\n false\n false\n 2\n \n \n \n 81613557991\n UniversalLoan\n \n \n 81613557991\n LenderLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n 640000.00\n FirstLien\n Purchase\n Conventional\n 5.875\n \n \n \n \n 2009819456\n \n \n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+columbiaandytest2@tidalhq.com\n \n \n \n \n Andy\n America\n \n \n \n \n \n \n \n true\n \n \n \n \n \n \n \n \n \n 1995-01-01\n false\n 0\n Married\n \n \n \n \n \n 7522\n true\n Base\n \n \n \n \n \n \n false\n USCitizen\n Yes\n Yes\n false\n false\n false\n false\n false\n false\n JointWithSpouse\n Investment\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n MTA\n \n \n \n false\n Primary\n Worker\n 2000-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n true\n false\n true\n false\n true\n \n \n \n Internet\n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n Someplace\n US\n 02723\n MA\n \n \n \n 3000.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999603333\n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+columbiaamytest2@tidalhq.com\n \n \n \n \n Amy\n America\n \n \n \n \n \n \n \n true\n \n \n \n \n \n \n \n \n \n 1996-01-08\n false\n 0\n Married\n \n \n \n \n \n 12500.00\n true\n Base\n \n \n \n \n \n \n false\n USCitizen\n Yes\n Yes\n false\n false\n false\n false\n false\n false\n JointWithSpouse\n Investment\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n Costco\n \n \n \n false\n Primary\n Manager\n 2005-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n true\n false\n true\n false\n true\n \n \n \n Internet\n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n Someplace\n US\n 02723\n MA\n \n \n \n 3000.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 500602222\n \n \n \n \n \n \n ABC Bank\n \n \n \n \n 123 Main St\n MyCity\n US\n 12345\n OH\n \n \n \n \n \n \n \n Private\n 123456\n \n \n \n \n PublicState\n 1234\n \n \n \n \n LoanOriginationCompany\n \n \n \n \n \n \n \n \n \n \n Derek\n Test\n Staging\n \n \n \n \n \n \n \n Private\n 123456\n \n \n \n \n PublicState\n 123456\n \n \n \n \n LoanOriginator\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 9, "bank_statement": "{\"plaid_files\": [{\"seed\": \"pp-lp-platypus-4acct-final-affirm-credit-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 205600, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122334411\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 92.44, \"description\": \"ONLINE BILL PAY - BALTIMORE CITY WATER PPD ID:123456789\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00001\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 132.18, \"description\": \"SAFEWAY #312 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00002\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 14.25, \"description\": \"STARBUCKS #4457 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00003\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 2400, \"description\": \"ACH DEBIT GREYSTAR REAL ESTATE PMT PPD ID:123456789\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00004\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY PPD ID:987654321\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00005\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:234567890\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00006\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MGT PMT PPD ID:345678901\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00007\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MGT PMT PPD ID:456789012\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00008\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK PAYMENT PPD ID:567890123\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00009\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -3000, \"description\": \"ACH DEPOSIT COMMUNITY SAVINGS FUND PPD ID:678901234\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00010\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC PPD ID:789012345\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00011\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CC PAYMENT PPD ID:890123456\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00012\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CC PAYMENT PPD ID:901234567\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00013\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 42.3, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00014\"}, {\"date_transacted\": \"2025-08-10\", \"date_posted\": \"2025-08-11\", \"amount\": -2500, \"description\": \"ACH CREDIT - BEFOREPAY PPD ID:012345678\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00015\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:109876543\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00016\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 2400, \"description\": \"ACH DEBIT GREYSTAR REAL ESTATE PMT PPD ID:123456789\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00017\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 92.18, \"description\": \"PEPCO ELECTRIC ONLINE BILL PAY PPD ID:210987654\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00018\"}, {\"date_transacted\": \"2025-08-21\", \"date_posted\": \"2025-08-22\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY PPD ID:321654987\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00019\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:432109876\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00020\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 746, \"description\": \"ACH DEBIT - ACE MGT PMT PPD ID:543210987\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00021\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": 233, \"description\": \"ACH DEBIT - BEST MGT PMT PPD ID:654321098\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00022\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": 245, \"description\": \"ACH DEBIT - ENLIGHTENED BANK PAYMENT PPD ID:765432109\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00023\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -3000, \"description\": \"ACH DEPOSIT COMMUNITY SAVINGS FUND PPD ID:876543210\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00024\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 89, \"description\": \"ACH DEBIT - AFFIRM PAYMENTS INC PPD ID:987654321\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00025\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 125, \"description\": \"ACH DEBIT - MERRY CC PAYMENT PPD ID:098765432\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00026\"}, {\"date_transacted\": \"2025-08-31\", \"date_posted\": \"2025-09-01\", \"amount\": 95, \"description\": \"ACH DEBIT - NO NONSENSE CC PAYMENT PPD ID:109876543\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00027\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": -25000, \"description\": \"WIRE IN CREDIT TRN: SWIFTC20250817001\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00028\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -3000, \"description\": \"ACH DEPOSIT COMMUNITY SAVINGS FUND PPD ID:321654987\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00029\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -1850, \"description\": \"ACH CREDIT PAYROLL - AAA INC PPD ID:432109876\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00030\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Baltimore\", \"street\": \"1234 Main St\", \"postal_code\": \"20600\", \"region\": \"MD\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 54500, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122335522\"}, \"transactions\": [{\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": -6.75, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00031\"}, {\"date_transacted\": \"2025-07-31\", \"date_posted\": \"2025-08-01\", \"amount\": -500, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00032\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -6.9, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00033\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -7.05, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00034\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00035\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -7.25, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00036\"}], \"identity\": {\"names\": [\"Patrick Purchaser\", \"Lorraine Purchaser\"]}}, {\"type\": \"investment\", \"subtype\": \"utma\", \"starting_balance\": 15000, \"currency\": \"USD\", \"numbers\": {\"account\": \"001122337788\"}, \"transactions\": [{\"date_transacted\": \"2025-07-17\", \"date_posted\": \"2025-07-18\", \"amount\": -4.5, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00037\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -150, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00038\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -4.65, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00039\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": -4.7, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00040\"}, {\"date_transacted\": \"2025-08-26\", \"date_posted\": \"2025-08-27\", \"amount\": -100, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00041\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -4.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00042\"}], \"identity\": {\"names\": [\"Patrick Purchaser, as custodian for Jordan Purchaser\"]}}]}, {\"seed\": \"pp-lp-tartan-4acct-final-affirm-001\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 9200.0, \"currency\": \"USD\", \"numbers\": {\"account\": \"556677889921\"}, \"identity\": {\"names\": [\"Purchaser Home Services LLC\", \"Patrick Purchaser (authorized signer)\"], \"addresses\": [{\"primary\": true, \"data\": {\"street\": \"1234 Main St\", \"city\": \"Baltimore\", \"region\": \"MD\", \"postal_code\": \"20600\", \"country\": \"US\"}}]}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -85.4, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00043\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -225.0, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION PPD ID: 84B1X3V9K2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00044\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -42.33, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00045\"}, {\"date_transacted\": \"2025-07-22\", \"date_posted\": \"2025-07-23\", \"amount\": -312.17, \"description\": \"SHELL COMMERCIAL FUEL #8821\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00046\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": -149.99, \"description\": \"AMAZON BUSINESS PRIME MEMBERSHIP PPD ID: 7J5H4G2F1E\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00047\"}, {\"date_transacted\": \"2025-07-25\", \"date_posted\": \"2025-07-26\", \"amount\": 5200.0, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1042\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00048\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": -94.6, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00049\"}, {\"date_transacted\": \"2025-07-27\", \"date_posted\": \"2025-07-28\", \"amount\": -63.2, \"description\": \"UBER TRIP - CLIENT VISIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00050\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": -1800.0, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00051\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": -1450.0, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00052\"}, {\"date_transacted\": \"2025-08-01\", \"date_posted\": \"2025-08-02\", \"amount\": -58.42, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00053\"}, {\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -75.2, \"description\": \"RESTAURANT POS - CHIPOTLE BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00054\"}, {\"date_transacted\": \"2025-08-04\", \"date_posted\": \"2025-08-05\", \"amount\": -96.21, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00055\"}, {\"date_transacted\": \"2025-08-08\", \"date_posted\": \"2025-08-09\", \"amount\": -84.18, \"description\": \"BEST BUY #1204 SMALL EQUIPMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00056\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": -225.0, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION PPD ID: 84B1X3V9K2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00057\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 3800.0, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1043\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00058\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -142.55, \"description\": \"WALMART BUSINESS SUPPLY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00059\"}, {\"date_transacted\": \"2025-08-18\", \"date_posted\": \"2025-08-19\", \"amount\": -2400.0, \"description\": \"ACH DEBIT - BUSINESS PPD ID: TYRH202508\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00060\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": -129.0, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION PPD ID: ZM9C8B7A6\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00061\"}, {\"date_transacted\": \"2025-08-20\", \"date_posted\": \"2025-08-21\", \"amount\": -88.7, \"description\": \"SHELL FLEET CARD 8821 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00062\"}, {\"date_transacted\": \"2025-08-22\", \"date_posted\": \"2025-08-23\", \"amount\": -420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00063\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": -52.3, \"description\": \"RESTAURANT POS - SUBWAY BUSINESS LUNCH\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00064\"}, {\"date_transacted\": \"2025-08-25\", \"date_posted\": \"2025-08-26\", \"amount\": -950.0, \"description\": \"ACH DEBIT - CONTRACTOR PAYOUTS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00065\"}, {\"date_transacted\": \"2025-08-27\", \"date_posted\": \"2025-08-28\", \"amount\": -36.8, \"description\": \"UBER TRIP - CLIENT MEETING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00066\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": -420.18, \"description\": \"UPS SHIPPING CENTER #771\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00067\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": -88.4, \"description\": \"STAPLES STORE #220 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00068\"}, {\"date_transacted\": \"2025-09-01\", \"date_posted\": \"2025-09-02\", \"amount\": 6100.0, \"description\": \"ACH CREDIT - CUSTOMER PAYMENT INV #1044\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00069\"}, {\"date_transacted\": \"2025-09-03\", \"date_posted\": \"2025-09-04\", \"amount\": -129.0, \"description\": \"ZOOM PRO BUSINESS SUBSCRIPTION PPD ID: ZM9C8B7A6\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00070\"}, {\"date_transacted\": \"2025-09-04\", \"date_posted\": \"2025-09-05\", \"amount\": -68.22, \"description\": \"OFFICE DEPOT #441 BALTIMORE MD\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00071\"}, {\"date_transacted\": \"2025-09-06\", \"date_posted\": \"2025-09-07\", \"amount\": -1800.0, \"description\": \"ONLINE TRANSFER TO JOINT SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00072\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": -49.99, \"description\": \"GOOGLE WORKSPACE BUSINESS APPS PPD ID: GWS5D4E3F2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00073\"}, {\"date_transacted\": \"2025-09-08\", \"date_posted\": \"2025-09-09\", \"amount\": -225.0, \"description\": \"ADOBE CLOUD BUSINESS SUBSCRIPTION PPD ID: 84B1X3V9K2\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00074\"}, {\"date_transacted\": \"2025-09-09\", \"date_posted\": \"2025-09-10\", \"amount\": -72.15, \"description\": \"RESTAURANT POS - PANERA BREAD #7742\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00075\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": -95.0, \"description\": \"FEDEX EXPRESS #4411\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00076\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -88.62, \"description\": \"EXXONMOBIL FLEET #5512\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00077\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -42.5, \"description\": \"STARBUCKS #5566 BUSINESS TRAVEL\", \"currency\": \"USD\", \"transaction_id\": \"plaid-9-00078\"}]}]}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-19T18:16:39.114884558Z\n \n \n \n \n \n \n \n \n \n 5522\n 54500.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 4411\n 205600.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 7788\n 15000.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 9921\n 9200.00\n CheckingAccount\n \n \n \n First Gingham Credit Union\n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 124268.00\n false\n \n \n \n 1005 Beverly Ave\n Asbury Park\n US\n 07712\n NJ\n \n \n SecondHome\n 1200000.00\n SecondHome\n \n \n \n \n \n \n \n \n \n ASBURY PARK\n US\n 07712\n NJ\n \n \n \n 025\n 34\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n 800000.00\n false\n false\n false\n Investment\n false\n 4500.00\n -479.94\n \n \n \n \n 800000.00\n \n \n \n \n \n \n 800000.00\n \n \n \n \n \n \n \n \n \n 407173\n false\n 746.00\n true\n false\n MortgageLoan\n 98514.00\n false\n \n \n \n ACE MORTGAGE\n \n \n \n \n \n 307177\n false\n 233.00\n false\n false\n MortgageLoan\n 22754.00\n false\n \n \n \n BEST MORTGAGE\n \n \n \n \n \n 9700.00\n 5071778\n false\n 0.00\n false\n false\n HELOC\n 3000.00\n false\n \n \n \n ENLIGHTENED BANK\n \n \n \n \n \n 10717\n false\n 79.00\n false\n Revolving\n 2663.00\n \n \n \n MERRY CREDIT\n \n \n \n \n \n 20717\n false\n 100.00\n false\n Revolving\n 2000.00\n \n \n \n TROUBLING CARDS\n \n \n \n \n \n 4071790\n false\n 10.00\n false\n Revolving\n 253.00\n \n \n \n POLITE CREDIT\n \n \n \n \n \n 707177\n false\n 25.00\n false\n Revolving\n 81.00\n \n \n \n SANE CREDIT\n \n \n \n \n \n 4071717\n false\n 75.00\n false\n Revolving\n 2530.00\n \n \n \n NO NONSENSE CREDIT\n \n \n \n \n \n \n \n \n \n Fixed\n 360\n Month\n \n \n \n \n \n \n 13748.00\n LenderCredit\n \n \n \n \n \n \n \n \n \n 1352.10\n \n \n \n \n \n \n 3312.61\n Proposed\n FirstMortgagePrincipalAndInterest\n \n \n 247.33\n Proposed\n HomeownersInsurance\n \n \n 1420.00\n Proposed\n RealEstateTax\n \n \n \n false\n false\n 2\n false\n false\n false\n false\n false\n false\n false\n 2\n \n \n \n 83352063666\n UniversalLoan\n \n \n 83352063666\n LenderLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n 560000.00\n FirstLien\n Purchase\n Conventional\n 5.875\n \n \n \n \n 2009819600\n \n \n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+columbiapatricktestcase4@tidalhq.com\n \n \n \n \n Patrick\n Purchaser\n \n \n \n \n \n \n \n true\n \n \n \n \n \n \n \n \n \n 1996-01-31\n false\n 0\n Married\n \n \n \n \n \n 4901\n true\n Base\n \n \n \n \n 996.67\n true\n Overtime\n \n \n \n \n 833.33\n true\n Bonus\n \n \n \n \n \n \n false\n USCitizen\n Yes\n No\n false\n false\n false\n false\n false\n false\n JointWithSpouse\n SecondHome\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n AAA\n \n \n \n false\n Primary\n Driver\n 2012-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n true\n false\n true\n false\n true\n \n \n \n Internet\n \n \n \n \n \n \n \n \n 1234 Main St\n Baltimore\n US\n 20600\n MD\n \n \n \n 2400.00\n \n \n \n Rent\n 84\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999121234\n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+columbialorrainetest4@tidalhq.com\n \n \n \n \n Lorraine\n Purchaser\n \n \n \n \n \n \n \n true\n \n \n \n \n \n \n \n \n \n 1993-09-10\n false\n 0\n Married\n \n \n \n \n \n 6000.00\n false\n Pension\n \n \n \n \n \n \n false\n USCitizen\n Yes\n No\n false\n false\n false\n false\n false\n false\n JointWithSpouse\n SecondHome\n false\n false\n false\n false\n false\n \n \n \n false\n \n \n \n \n \n \n \n \n \n \n false\n true\n false\n true\n false\n true\n \n \n \n Internet\n \n \n \n \n \n \n \n \n 1234 Main St\n Baltimore\n US\n 20600\n MD\n \n \n \n 2400.00\n \n \n \n Rent\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999565678\n \n \n \n \n \n \n ABC Bank\n \n \n \n \n 123 Main St\n MyCity\n US\n 12345\n OH\n \n \n \n \n \n \n \n Private\n 123456\n \n \n \n \n PublicState\n 1234\n \n \n \n \n LoanOriginationCompany\n \n \n \n \n \n \n \n \n \n \n Derek\n Test\n Staging\n \n \n \n \n \n \n \n Private\n 123456\n \n \n \n \n PublicState\n 123456\n \n \n \n \n LoanOriginator\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}
{"test_case_number": 10, "bank_statement": "{\"seed\": \"andy-america-sandbox-jul3-sep3-2025-costco-rentaddr-rent31\", \"override_accounts\": [{\"type\": \"depository\", \"subtype\": \"checking\", \"starting_balance\": 56400, \"currency\": \"USD\", \"numbers\": {\"account\": \"111222333000\"}, \"transactions\": [{\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 300, \"description\": \"ACH DEBIT FIRSTSERVICE RESIDENTIAL PPD ID:112233445\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00001\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": -5000, \"description\": \"CHECK DEPOSIT #451\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00002\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 129.99, \"description\": \"VERIZON WIRELESS AUTO-PAY PPD ID:222233344\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00003\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 44.23, \"description\": \"PHARMACY - CVS STORE #9921\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00004\"}, {\"date_transacted\": \"2025-07-20\", \"date_posted\": \"2025-07-21\", \"amount\": 64.88, \"description\": \"TRADER JOE'S #102 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00005\"}, {\"date_transacted\": \"2025-07-21\", \"date_posted\": \"2025-07-22\", \"amount\": 92.11, \"description\": \"DINING - APPLEBEE'S SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00006\"}, {\"date_transacted\": \"2025-07-23\", \"date_posted\": \"2025-07-24\", \"amount\": 96.21, \"description\": \"GAS & SERVICE STATION\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00007\"}, {\"date_transacted\": \"2025-07-24\", \"date_posted\": \"2025-07-25\", \"amount\": 72.99, \"description\": \"DINING - PIZZA HUT #1123\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00008\"}, {\"date_transacted\": \"2025-07-26\", \"date_posted\": \"2025-07-27\", \"amount\": 212.66, \"description\": \"UTILITY PAYMENT - CON EDISON PPD ID:777888999\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00009\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT PPD ID:333444555\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00010\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT PPD ID:444555666\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00011\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT PPD ID:555666777\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00012\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD PPD ID:666777888\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00013\"}, {\"date_transacted\": \"2025-07-29\", \"date_posted\": \"2025-07-30\", \"amount\": 85.25, \"description\": \"RESTAURANT POS - CHIPOTLE #441\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00014\"}, {\"date_transacted\": \"2025-07-30\", \"date_posted\": \"2025-07-31\", \"amount\": 45, \"description\": \"SPOTIFY SUBSCRIPTION PPD ID:888999000\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00015\"}, {\"date_transacted\": \"2025-08-05\", \"date_posted\": \"2025-08-06\", \"amount\": 124.37, \"description\": \"CHECK #1051\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00016\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00017\"}, {\"date_transacted\": \"2025-08-09\", \"date_posted\": \"2025-08-10\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:999000111\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00018\"}, {\"date_transacted\": \"2025-08-11\", \"date_posted\": \"2025-08-12\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES PPD ID:000111222\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00019\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -3000, \"description\": \"ZELLE PAYMENT FROM JANE DOE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00020\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00021\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT PPD ID:222333444\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00022\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT PPD ID:333444555\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00023\"}, {\"date_transacted\": \"2025-08-15\", \"date_posted\": \"2025-08-16\", \"amount\": 300, \"description\": \"ACH DEBIT FIRSTSERVICE RESIDENTIAL PPD ID:112233446\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00024\"}, {\"date_transacted\": \"2025-08-16\", \"date_posted\": \"2025-08-17\", \"amount\": -5000, \"description\": \"CHECK DEPOSIT #653\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00025\"}, {\"date_transacted\": \"2025-08-17\", \"date_posted\": \"2025-08-18\", \"amount\": 129.55, \"description\": \"SAFEWAY #312 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00026\"}, {\"date_transacted\": \"2025-08-19\", \"date_posted\": \"2025-08-20\", \"amount\": 54.35, \"description\": \"UBER TRIP HELP.UBER.COM\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00027\"}, {\"date_transacted\": \"2025-08-23\", \"date_posted\": \"2025-08-24\", \"amount\": 93.44, \"description\": \"UTILITY PAYMENT - WATER COMPANY PPD ID:444555667\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00028\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -3050, \"description\": \"ACH CREDIT PAYROLL - COSTCO PAYROLL DIRECT DEPOSIT PPD ID:333444556\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00029\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 225, \"description\": \"ACH DEBIT - CAPITAL ONE CREDIT CARD PAYMENT PPD ID:444555667\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00030\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 1200, \"description\": \"ACH DEBIT - PRIME VISA PAYMENT PPD ID:555666778\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00031\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": 180, \"description\": \"ACH DEBIT - RELENTLESS BANK CREDIT CARD PPD ID:666777889\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00032\"}, {\"date_transacted\": \"2025-08-29\", \"date_posted\": \"2025-08-30\", \"amount\": 84.22, \"description\": \"DINING - OLIVE GARDEN SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00033\"}, {\"date_transacted\": \"2025-08-30\", \"date_posted\": \"2025-08-31\", \"amount\": 35, \"description\": \"SUBSCRIPTION - APPLE ICLOUD STORAGE PPD ID:888999001\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00034\"}, {\"date_transacted\": \"2025-09-05\", \"date_posted\": \"2025-09-06\", \"amount\": 124.37, \"description\": \"CHECK #1052\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00035\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": 1000, \"description\": \"ONLINE TRANSFER TO SAVINGS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00036\"}, {\"date_transacted\": \"2025-09-09\", \"date_posted\": \"2025-09-10\", \"amount\": 350, \"description\": \"GEICO AUTO INSURANCE PREMIUM PPD ID:999000112\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00037\"}, {\"date_transacted\": \"2025-09-11\", \"date_posted\": \"2025-09-12\", \"amount\": 59.44, \"description\": \"NETFLIX/STREAMING SERVICES PPD ID:000111223\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00038\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -3000, \"description\": \"ZELLE PAYMENT FROM JANE DOE\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00039\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": 18.77, \"description\": \"DUNKIN #4432 SOMEPLACE NY\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00040\"}, {\"date_transacted\": \"2025-09-14\", \"date_posted\": \"2025-09-15\", \"amount\": 1691, \"description\": \"ACH DEBIT - BEST EVER MORTGAGE PAYMENT PPD ID:222333445\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00041\"}, {\"date_transacted\": \"2025-09-14\", \"date_posted\": \"2025-09-15\", \"amount\": 1671, \"description\": \"ACH DEBIT - CALLABLE MORTGAGE PAYMENT PPD ID:333444556\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00042\"}, {\"date_transacted\": \"2025-09-15\", \"date_posted\": \"2025-09-16\", \"amount\": 300, \"description\": \"ACH DEBIT FIRSTSERVICE RESIDENTIAL PPD ID:112233447\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00043\"}, {\"date_transacted\": \"2025-09-16\", \"date_posted\": \"2025-09-17\", \"amount\": -5000, \"description\": \"CHECK DEPOSIT #653\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00044\"}], \"identity\": {\"names\": [\"Andy America\"], \"emails\": [{\"primary\": true, \"type\": \"primary\", \"data\": \"andyamerica@company.com\"}], \"addresses\": [{\"primary\": true, \"data\": {\"country\": \"US\", \"city\": \"Someplace\", \"street\": \"4321 Cul de Sac St\", \"postal_code\": \"10001\", \"region\": \"NY\"}}]}}, {\"type\": \"depository\", \"subtype\": \"savings\", \"starting_balance\": 38000, \"currency\": \"USD\", \"numbers\": {\"account\": \"555666777000\"}, \"transactions\": [{\"date_transacted\": \"2025-08-02\", \"date_posted\": \"2025-08-03\", \"amount\": -2000, \"description\": \"ACH CREDIT - BONUS SAVINGS CLUB PPD ID:121234345\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00045\"}, {\"date_transacted\": \"2025-08-07\", \"date_posted\": \"2025-08-08\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00046\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00047\"}, {\"date_transacted\": \"2025-08-14\", \"date_posted\": \"2025-08-15\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00048\"}, {\"date_transacted\": \"2025-09-07\", \"date_posted\": \"2025-09-08\", \"amount\": -1000, \"description\": \"ONLINE TRANSFER FROM CHECKING\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00049\"}, {\"date_transacted\": \"2025-09-13\", \"date_posted\": \"2025-09-14\", \"amount\": -11.6, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00050\"}, {\"date_transacted\": \"2025-09-14\", \"date_posted\": \"2025-09-15\", \"amount\": -11.85, \"description\": \"INTEREST CREDIT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00051\"}], \"identity\": {\"names\": [\"Andy America\"]}}, {\"type\": \"investment\", \"subtype\": \"401k\", \"starting_balance\": 50750, \"currency\": \"USD\", \"numbers\": {\"account\": \"401k556677\"}, \"transactions\": [{\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL) PPD ID:131345456\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00052\"}, {\"date_transacted\": \"2025-07-28\", \"date_posted\": \"2025-07-29\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO) PPD ID:141456567\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00053\"}, {\"date_transacted\": \"2025-08-13\", \"date_posted\": \"2025-08-14\", \"amount\": -375, \"description\": \"MARKET APPRECIATION / DIVIDENDS\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00054\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -525, \"description\": \"401K CONTRIBUTION - EMPLOYEE DEFERRAL (COSTCO PAYROLL) PPD ID:131345457\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00055\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -262.5, \"description\": \"401K CONTRIBUTION - EMPLOYER MATCH (COSTCO) PPD ID:141456568\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00056\"}, {\"date_transacted\": \"2025-08-28\", \"date_posted\": \"2025-08-29\", \"amount\": -185, \"description\": \"DIVIDEND REINVESTMENT\", \"currency\": \"USD\", \"transaction_id\": \"plaid-10-00057\"}], \"identity\": {\"names\": [\"Andy America\"]}}]}", "ulad_du": "\n \n \n DU Spec 1.8.5\n 2025-09-19T18:18:30.488743177Z\n \n \n \n \n \n \n \n \n \n 3000\n 90345.00\n CheckingAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 7000\n 38000.00\n SavingsAccount\n \n \n \n First Platypus Bank\n \n \n \n \n \n 6677\n 50750.00\n RetirementFund\n \n \n \n First Platypus Bank\n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 210279.00\n true\n \n \n \n 4321 Cul de Sac St\n FALL RIVER\n US\n 02723\n MA\n \n \n PrimaryResidence\n \n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 210027.00\n 5000.00\n 2079.00\n false\n \n \n \n 1013 Bloomfield Ave\n Asbury Park\n US\n 07712\n NJ\n \n \n Investment\n 1000000.00\n Investment\n \n \n \n \n \n \n RealEstateOwned\n \n \n \n Retain\n 958.33\n 3000.00\n 1291.67\n false\n \n \n \n 2308 Logan Rd\n Asbury Park\n US\n 07712\n NJ\n \n \n Investment\n 1200000.00\n Investment\n \n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n FALL RIVER\n US\n 02723\n MA\n \n \n \n 005\n 25\n \n \n \n Detached\n false\n SiteBuilt\n false\n 1\n FeeSimple\n false\n false\n false\n PrimaryResidence\n false\n \n \n \n \n \n \n \n \n \n \n \n \n 502088\n false\n 1691.00\n true\n true\n MortgageLoan\n 210279.00\n false\n \n \n \n BEST EVER MORTGAGE\n \n \n \n \n \n 757570\n false\n 1671.00\n true\n false\n MortgageLoan\n 210027.00\n false\n \n \n \n CALLABLE MORTGAGE\n \n \n \n \n \n 435617\n false\n 133.00\n false\n Revolving\n 4665.00\n \n \n \n ALLEN BANK CARD\n \n \n \n \n \n 200021\n false\n 46.00\n false\n 36\n Installment\n 1554.00\n \n \n \n RELENTLESS BANK\n \n \n \n \n \n 171442\n false\n 27.00\n false\n Revolving\n 1357.00\n \n \n \n BURSTING CREDIT\n \n \n \n \n \n 411711911\n false\n 40.00\n false\n Revolving\n 450.00\n \n \n \n PRIME VISA\n \n \n \n \n \n 529115\n false\n 10.00\n false\n Revolving\n 29.00\n \n \n \n CAPITAL BANK\n \n \n \n \n 0.00\n 210279.00\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n false\n false\n 1\n false\n false\n false\n false\n false\n false\n false\n false\n 2\n \n \n \n 81301535410\n UniversalLoan\n \n \n \n \n TidalWave SOLO\n TidalWave\n 1.0\n \n \n \n CashOut\n DebtConsolidation\n \n \n 500000.00\n FirstLien\n Refinance\n Conventional\n 0.000\n \n \n \n \n \n \n \n \n \n 9999999999\n \n \n Mobile\n \n \n \n \n drindner+columbiaandytestcase5@tidalhq.com\n \n \n \n \n Andy\n America\n \n \n \n \n \n \n \n true\n \n \n \n \n \n \n \n \n \n 1996-04-15\n false\n 0\n Unmarried\n \n \n \n \n \n 16666.67\n true\n Base\n \n \n \n \n 10000.00\n false\n Pension\n \n \n \n \n \n \n false\n USCitizen\n Yes\n Yes\n false\n false\n false\n false\n false\n false\n Sole\n PrimaryResidence\n false\n false\n false\n false\n false\n \n \n \n \n \n \n \n Costco\n \n \n \n false\n Primary\n Manager\n 2000-01-01\n Current\n 120\n false\n \n \n \n false\n false\n \n \n \n \n \n \n \n \n \n false\n true\n false\n true\n false\n true\n \n \n \n Internet\n \n \n \n \n \n \n \n \n 4321 Cul de Sac St\n Someplace\n US\n 02723\n MA\n \n \n Own\n 120\n Current\n \n \n \n \n \n Borrower\n \n \n \n \n \n SocialSecurityNumber\n 999603333\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n"}