document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix uuid <urn:uuid:>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  wasGeneratedBy(app:decisions/1033, uuid:18d40d69-7580-4135-8942-8a5a4a5efb61, -)
  activity(uuid:18d40d69-7580-4135-8942-8a5a4a5efb61, 2026-06-05T19:08:26.810000+01:00, 2026-06-07T01:04:43.122000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1033, app:applications/441, -, -, -)
  wasAssociatedWith(uuid:18d40d69-7580-4135-8942-8a5a4a5efb61, app:the_bank, -)
  used(uuid:18d40d69-7580-4135-8942-8a5a4a5efb61, app:applications/441, -)
  wasAttributedTo(app:decisions/1033, app:the_bank)
  entity(app:decisions/1033, [pl:created_at="2026-06-07T01:04:43.122796" %% xsd:dateTime, cs:result='cs:rejected', prov:type='pl:RejectionDecision', prov:type='pl:Decision', prov:type='pl:AutomatedDecision', prov:type='cs:CreditDecision', pl:reason='cs:low_credit_score'])
  entity(app:applications/441)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1033, uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:58fb61c8-890f-40fd-9bb3-25257543c98d)
  activity(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, 2026-06-05T19:08:26.810000+01:00, 2026-06-07T01:04:43.122000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1033, app:records/3467, -, -, -)
  wasDerivedFrom(app:recommendations/1033, app:creditreports/1033, -, -, -)
  wasDerivedFrom(app:recommendations/1033, app:records/3464, -, -, -)
  wasDerivedFrom(app:recommendations/1033, app:records/3465, -, -, -)
  wasDerivedFrom(app:recommendations/1033, app:records/3466, -, -, -)
  wasDerivedFrom(app:recommendations/1033, app:applications/441, -, -, -)
  wasAssociatedWith(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:machines/one, app:models/creditcard_assessment)
  used(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:records/3464, -)
  used(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:records/3465, -)
  used(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:creditreports/1033, -)
  used(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:records/3467, -)
  used(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:applications/441, -)
  used(uuid:58fb61c8-890f-40fd-9bb3-25257543c98d, app:records/3466, -)
  wasAttributedTo(app:recommendations/1033, app:machines/one)
  entity(app:records/3464)
  entity(app:records/3466)
  entity(app:models/creditcard_assessment)
  entity(app:records/3465)
  entity(app:records/3467)
  entity(app:recommendations/1033, [pl:created_at="2026-06-07T01:04:43.122796" %% xsd:dateTime, prov:type='pl:AutomatedRecommendation', prov:type='cs:AutomatedRecommendation', cs:credit_score_threshold=739, pl:reason='cs:low_credit_score', cs:recommendation='cs:rejected'])
  entity(app:creditreports/1033)
  entity(app:applications/441)
  wasDerivedFrom(app:decisions/1033, app:recommendations/1033, -, -, -)
  entity(app:decisions/1033)
  entity(app:recommendations/1033)
  agent(app:applicants/441, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Caroline Burton-Bailey"])
  wasAttributedTo(app:applications/441, app:applicants/441)
  entity(app:applications/441, [cs:attr_annual_income=81000, pl:created_at="2026-06-05T19:08:26.810239" %% xsd:dateTime, cs:attr_prev_address="67 Owen forges, South Kevinville, SL65 0QB", cs:attr_address="998 Duncan locks, West Leeland, PL5 8ZT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1979-08-30" %% xsd:date, cs:attr_emp_title="Electronics engineer", cs:attr_home_ownership=1, cs:attr_phone_number="0116 4960118", cs:attr_email_address="eball@example.net", cs:attr_applicant_name="Caroline Burton-Bailey", cs:attr_emp_length=12])
  wasDerivedFrom(app:applications/441/id, app:applications/441, -, -, -)
  entity(app:applications/441/id, [cs:attr_prev_address="67 Owen forges, South Kevinville, SL65 0QB", cs:attr_address="998 Duncan locks, West Leeland, PL5 8ZT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1979-08-30" %% xsd:date, cs:attr_applicant_name="Caroline Burton-Bailey"])
  entity(app:applications/441)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1033, uuid:471a506a-9919-4b9d-9a03-53c0fea197d9, -)
  activity(uuid:471a506a-9919-4b9d-9a03-53c0fea197d9, 2026-06-07T01:04:43.110000+01:00, 2026-06-07T01:04:43.110000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1033, app:applications/441/id, -, -, -)
  wasAssociatedWith(uuid:471a506a-9919-4b9d-9a03-53c0fea197d9, app:providers/1, -)
  wasAttributedTo(app:creditreports/1033, app:providers/1)
  used(uuid:471a506a-9919-4b9d-9a03-53c0fea197d9, app:applications/441/id, -)
  entity(app:applications/441/id)
  entity(app:creditreports/1033, [pl:created_at="2026-06-07T01:04:43.110551" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=726])
  wasDerivedFrom(app:creditreports/1033, app:records/3465, -, -, -)
  wasDerivedFrom(app:creditreports/1033, app:records/3467, -, -, -)
  wasDerivedFrom(app:creditreports/1033, app:records/3463, -, -, -)
  wasDerivedFrom(app:creditreports/1033, app:records/3464, -, -, -)
  wasDerivedFrom(app:creditreports/1033, app:records/3466, -, -, -)
  wasDerivedFrom(app:creditreports/1033, app:records/3462, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3462, app:providers/2)
  entity(app:records/3462, [pl:created_at="2026-05-17T00:00:00" %% xsd:dateTime, cs:attr_address="998 Duncan locks, West Leeland, PL5 8ZT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-02-03" %% xsd:date])
  agent(app:providers/13, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="VOXI"])
  wasAttributedTo(app:records/3463, app:providers/13)
  entity(app:records/3463, [pl:created_at="2026-06-07T01:04:43.117229" %% xsd:dateTime, cs:attr_prev_address="67 Owen forges, South Kevinville, SL65 0QB", cs:attr_first_confirmed="2026-05-26" %% xsd:date, cs:attr_address="998 Duncan locks, West Leeland, PL5 8ZT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-01-26" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3464, app:providers/14)
  entity(app:records/3464, [pl:created_at="2026-06-07T01:04:43.119430" %% xsd:dateTime, cs:attr_payment_amount="41.06" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="954.93" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3465, app:providers/14)
  entity(app:records/3465, [pl:created_at="2026-06-07T01:04:43.120503" %% xsd:dateTime, cs:attr_payment_amount="83.25" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="954.93" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3466, app:providers/14)
  entity(app:records/3466, [pl:created_at="2026-06-07T01:04:43.121194" %% xsd:dateTime, cs:attr_payment_amount="14.01" %% xsd:float, cs:attr_month="Feb-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="954.93" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3467, app:providers/14)
  entity(app:records/3467, [pl:created_at="2026-06-07T01:04:43.121771" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="954.93" %% xsd:float])
endDocument