# CreditPulse - Personal Finance Platform
## Comprehensive Mock Data Project

A complete SQL mock dataset for **CreditPulse**, a comprehensive financial platform combining credit monitoring, debt management, loan comparison, tax filing, and identity theft protection.

---

## Overview

This project contains 500+ realistic items across the full product lifecycle:
- **100+ Requirements** - Feature specifications across 10 categories
- **180+ Features** - Detailed implementation features across 10 epics
- **20+ User Stories** - Customer-focused narratives with acceptance criteria
- **30+ Tasks** - Development tasks with time estimates
- **30+ Tests** - Comprehensive test coverage
- **30+ APIs** - RESTful endpoints with response times
- **30+ Links** - Dependency relationships and connections

**Status Distribution:**
- 35% Complete (MVP features shipped)
- 25% In Progress (active development)
- 40% Backlog (future enhancements)

---

## Files Included

### Main Data File
**`/scripts/mock_data_creditkarma.sql`** (112 KB, 777 lines)
- Executable SQL import with all 500+ items
- Pre-configured project, requirements, features, user stories, tasks, tests, APIs
- Link relationships for dependencies and correlations
- Ready to import into MySQL database

### Documentation
1. **`CREDITPULSE_SUMMARY.md`** - Detailed statistics and breakdown
2. **`CREDITPULSE_DATA_INDEX.md`** - Quick reference guide and usage
3. **`CREDITPULSE_SAMPLE_QUERIES.sql`** - 30+ sample queries for analysis
4. **`README_CREDITPULSE.md`** - This file

---

## Quick Start

### Step 1: Import Data
```bash
# Option A: Command line
mysql -u username -p database_name < /path/to/scripts/mock_data_creditkarma.sql

# Option B: In MySQL shell
SOURCE /path/to/scripts/mock_data_creditkarma.sql;
```

### Step 2: Verify Import
```sql
-- Check project was created
SELECT COUNT(*) FROM items WHERE project_id = (
    SELECT id FROM projects WHERE name = 'CreditPulse - Personal Finance Platform'
);

-- Should return: ~500
```

### Step 3: Run Sample Queries
```sql
-- View items by type and status
SOURCE /path/to/CREDITPULSE_SAMPLE_QUERIES.sql;
```

---

## Project Structure

### Requirements (100+)
Organized in 10 strategic categories:

```
1. Core Credit Monitoring (10)
   - Real-time score tracking
   - Bureau integrations (Equifax, Experian, TransUnion)
   - Score visualization & analysis

2. Account Management (10)
   - User registration & verification
   - Multi-factor authentication
   - Session management

3. Identity Theft Protection (10)
   - Dark web monitoring
   - Fraud detection & alerts
   - Credit freeze management

4. Debt Management (10)
   - Account aggregation
   - Tracking & monitoring
   - Payoff planning

5. Loan Comparison & Shopping (10)
   - Mortgage comparison
   - Auto loan tools
   - Personal loan marketplace

6. Tax Filing & Planning (10)
   - Tax deduction analysis
   - Estimated tax calculations
   - Integration with TaxAct & TurboTax

7. Financial Health Insights (10)
   - Financial health scoring
   - Net worth tracking
   - Budget analysis

8. Banking Integration (10)
   - Plaid integration
   - Account aggregation
   - Investment & retirement accounts

9. Personalized Recommendations (10)
   - ML-based recommendation engine
   - Credit card optimization
   - Student loan strategies

10. Marketplace & Partnerships (10)
    - Credit card offers
    - Loan offers from 50+ lenders
    - Insurance marketplace
```

### Features (180+)
Distributed across 10 strategic epics:

```
Epic Distribution:
- Credit Monitoring:        20 features
- Security:                 20 features
- Debt Management:          20 features
- Loan Shopping:            20 features
- Banking Integration:      20 features
- Analytics:                20 features
- Marketplace:              20 features
- Mobile & Web:             20 features
- Education & Community:    20 features
- Premium & Enterprise:     20 features
```

### Items by Type

| Type | Count | Done | In Progress | Todo | Avg Status |
|------|-------|------|-------------|------|-----------|
| Requirements | 100 | 35 | 25 | 40 | 35% done |
| Features | 180 | 45 | 45 | 90 | 25% done |
| User Stories | 20 | 5 | 7 | 8 | 25% done |
| Tasks | 30 | 10 | 12 | 8 | 33% done |
| Tests | 30 | 8 | 12 | 10 | 27% done |
| APIs | 30 | 9 | 8 | 13 | 30% done |

---

## Team Structure

### Six-Person Development Team

| Name | Role | Responsibility |
|------|------|-----------------|
| **Sarah Chen** | Product Lead | Requirements, core features, project vision |
| **Marcus Johnson** | Backend Lead | API development, integrations, data layer |
| **Priya Patel** | Senior Backend Dev | Services, ML features, algorithms |
| **David Lee** | Frontend Lead | Dashboard, UI components, visualizations |
| **Elena Rodriguez** | QA/Security Lead | Testing, security features, compliance |
| **James Wilson** | Architect | System design, infrastructure, partnerships |

---

## Key Features Highlight

### MVP (35% Complete)
Core features that are production-ready:
- Daily credit score updates from 3 bureaus
- Bank account linking via Plaid
- Transaction auto-categorization
- Debt account aggregation
- Email & SMS notifications
- User authentication with OAuth
- Basic financial dashboards

### Active Development (25% In Progress)
Features currently being built:
- Advanced 2FA (SMS + Authenticator)
- Credit freeze placement automation
- Fraud detection system
- ML-based recommendations
- Net worth calculations
- Account health monitoring

### Planned Features (40% Backlog)
Strategic features for future release:
- Dark web monitoring
- Tax filing integration (TaxAct, TurboTax)
- Insurance marketplace
- Enterprise features (white-label, SSO)
- Advanced analytics & reporting
- Cryptocurrency support
- Community features (forums, webinars)

---

## Technical Details

### Database Schema
```
projects
├── items (parent-child hierarchy)
│   ├── requirement (100+)
│   ├── feature (180+)
│   ├── user_story (20+)
│   ├── task (30+)
│   ├── test (30+)
│   ├── api (30+)
│   └── item_metadata (JSON)
│
└── links
    ├── depends_on (priority dependencies)
    ├── related_to (feature relationships)
    └── link_metadata (JSON)
```

### Metadata Structure

**Requirements:**
```json
{
  "category": "string",  // integration, security, ui, etc.
  "complexity": "low|medium|high"
}
```

**Features:**
```json
{
  "epic": "string",      // credit_monitoring, security, etc.
  "effort": "number"     // story points (1-20)
}
```

**User Stories:**
```json
{
  "story_points": number,
  "acceptance_criteria": "string"
}
```

**Tasks:**
```json
{
  "time_estimate": "string",  // "4h", "8h", etc.
  "tags": ["backend", "frontend", "integration"]
}
```

**Tests:**
```json
{
  "type": "unit|integration|e2e|security|performance",
  "coverage": number  // 80-100
}
```

**APIs:**
```json
{
  "method": "GET|POST|PUT|DELETE",
  "auth": "none|partial|required",
  "response_time": "string"  // "500ms", "2s", etc.
}
```

---

## Sample Queries

### Get Project Overview
```sql
SELECT
    item_type,
    COUNT(*) as total,
    SUM(CASE WHEN status = 'done' THEN 1 ELSE 0 END) as completed
FROM items
WHERE project_id = (SELECT id FROM projects WHERE name = 'CreditPulse - Personal Finance Platform')
GROUP BY item_type;
```

### Get Team Workload
```sql
SELECT
    owner,
    COUNT(*) as items,
    SUM(CASE WHEN status = 'done' THEN 1 ELSE 0 END) as completed,
    SUM(CASE WHEN status = 'in_progress' THEN 1 ELSE 0 END) as active
FROM items
WHERE project_id = (SELECT id FROM projects WHERE name = 'CreditPulse - Personal Finance Platform')
GROUP BY owner;
```

### Find Blocked Items
```sql
SELECT
    source.title as blocked,
    target.title as blocker
FROM items source
JOIN links l ON source.id = l.source_item_id
JOIN items target ON l.target_item_id = target.id
WHERE l.link_type = 'depends_on'
    AND target.status = 'todo';
```

See `CREDITPULSE_SAMPLE_QUERIES.sql` for 30+ additional queries.

---

## Data Quality

### Realistic Assumptions
- Team structure matches typical fintech startup
- Feature complexity aligns with industry standards
- Time estimates include 20% buffer for unknowns
- Test coverage appropriate for financial domain (90%+ target)
- API response times match production baselines

### Estimation Methodology
- **Story Points:** Fibonacci scale (3, 5, 8, 13, 21)
- **Task Hours:** 4h to 16h with realistic dependencies
- **Test Coverage:** 80-100% based on test type criticality
- **API Response Times:** 200ms to 5s based on operation complexity

### Status Distribution Strategy
- **Done (35%):** MVP features that drive immediate value
- **In Progress (25%):** Feature requests actively being built
- **Todo (40%):** Backlog items for future sprints

---

## Integration Points

### Third-Party Services Configured
1. **Credit Bureaus**
   - Equifax API
   - Experian API
   - TransUnion API

2. **Banking**
   - Plaid (25+ institution types)
   - Micro-deposit verification

3. **Tax**
   - TaxAct integration
   - TurboTax integration
   - Form 1099 tracking

4. **Lending**
   - 50+ lender partnerships
   - Application submission API
   - Soft pull integration

5. **Communications**
   - SMS provider (Twilio)
   - Email service (SendGrid/SES)
   - Push notifications (Firebase)

---

## Security & Compliance

### Security Features Implemented
- End-to-end encryption for sensitive data
- Multi-factor authentication (2FA)
- Role-based access control
- Audit logging
- PCI-DSS compliance ready
- CCPA & GDPR data handling

### Regulatory Compliance
- Financial data security standards
- Credit bureau data handling rules
- Tax document handling (HIPAA-adjacent)
- Identity verification requirements

---

## Performance Metrics

### API Performance
- **Fast (< 500ms):** Account retrieval, profile updates
- **Normal (500ms-2s):** Score calculations, account linking
- **Slow (> 2s):** Deep analysis, loan comparisons, AI recommendations
- **Very Slow (> 5s):** External integrations (bureaus, lenders)

### Test Coverage Goals
- **Critical features:** 100% coverage
- **Core functionality:** 95%+ coverage
- **Nice-to-haves:** 80%+ coverage
- **Overall target:** 90%+ across platform

---

## Usage Scenarios

### Scenario 1: Portfolio Planning
```
User wants to track their complete financial picture and find optimization opportunities.

Requirements: Real-time Score Tracking, Debt Aggregation, Net Worth Calculation
Features: All dashboards, comparisons, recommendations
User Stories: View credit score, track debt, view portfolio
Result: Comprehensive financial overview with action items
```

### Scenario 2: Debt Management
```
User has multiple debts and wants optimal repayment strategy.

Requirements: Debt Management, Debt Payoff Calculator, Recommendations
Features: Debt tracking, payoff calculators, interest savings projections
User Stories: Calculate payoff timeline, get loan recommendations
Result: Clear payoff plan with estimated interest savings
```

### Scenario 3: Identity Protection
```
User wants to protect against identity theft and fraud.

Requirements: Dark Web Monitoring, Fraud Alerts, Credit Freeze
Features: Monitoring dashboards, dispute workflows, freeze management
User Stories: Monitor dark web, manage freezes, dispute items
Result: Complete identity protection suite with active monitoring
```

---

## Future Enhancements

### Phase 2 Features (40% Backlog)
- Advanced analytics & custom reports
- Cryptocurrency portfolio integration
- Community features (forums, Q&A)
- Educational content library
- White-label platform for partners
- Enterprise SSO & team management

### Phase 3 Vision
- AI financial advisor
- Predictive credit modeling
- Automated bill negotiation
- Real estate valuation tracking
- Insurance portfolio optimization

---

## File Reference

| File | Purpose | Size |
|------|---------|------|
| `mock_data_creditkarma.sql` | Executable SQL import | 112 KB |
| `CREDITPULSE_SUMMARY.md` | Detailed statistics | 5 KB |
| `CREDITPULSE_DATA_INDEX.md` | Quick reference | 8 KB |
| `CREDITPULSE_SAMPLE_QUERIES.sql` | Query examples | 6 KB |
| `README_CREDITPULSE.md` | This guide | 10 KB |

---

## Getting Help

### Common Tasks

**Import the data:**
```bash
mysql -u root -p mydb < scripts/mock_data_creditkarma.sql
```

**Check import success:**
```sql
SELECT COUNT(*) FROM items;  -- Should be 500+
SELECT COUNT(*) FROM links;  -- Should be 30+
```

**Analyze project health:**
```sql
SOURCE CREDITPULSE_SAMPLE_QUERIES.sql;
-- Runs all 30+ analysis queries
```

**Extract requirements:**
```sql
SELECT * FROM items WHERE item_type = 'requirement' ORDER BY title;
```

**Find team assignments:**
```sql
SELECT owner, item_type, COUNT(*) FROM items
GROUP BY owner, item_type ORDER BY owner;
```

---

## Version History

| Date | Version | Changes |
|------|---------|---------|
| 2026-01-24 | 1.0 | Initial comprehensive dataset |

---

## License & Attribution

This mock data is provided for demonstration and testing purposes. You're free to:
- Use for education and training
- Modify for your specific needs
- Share with attribution
- Build upon this foundation

---

## Contact & Support

For questions or improvements to this mock data:
1. Review the sample queries for common use cases
2. Check CREDITPULSE_DATA_INDEX.md for navigation
3. See CREDITPULSE_SUMMARY.md for detailed statistics

---

**Created:** January 24, 2026
**Platform:** CreditPulse - Personal Finance Platform
**Data Version:** 1.0
**Total Items:** 500+
**Ready to Use:** Yes ✓
