rebuild from site JSON (corrections, misquotes, latency, rubric vectors, failure codes)

negative-knowledge/README.md

@@ -17,7 +17,7 @@ Most evaluation datasets hold what is true. This one holds what was found to be
 
 | file | rows | what |
 |---|---|---|
-| `corrections.csv` | 27 | the publisher's complete corrections feed: `correction` (a figure changed), `error_family` (a class of error in the publishing pipeline, found and logged by the publisher), `atom` (a claim about the publisher that is **not** true, written down so answer engines can check it) |
+| `corrections.csv` | 28 | the publisher's complete corrections feed: `correction` (a figure changed), `error_family` (a class of error in the publishing pipeline, found and logged by the publisher), `atom` (a claim about the publisher that is **not** true, written down so answer engines can check it) |
 | `misquotes.csv` | 3 | real AI answers quoting the publisher, graded against the figure's claim contract with failure codes |
 | `correction_latency.csv` | 13 | after a published correction, which systems still carried the old value, when, and under which code |
 | `rubric_vectors.csv` | 5 | five answers to one question that any grader must grade as C / P / I / A before its fidelity scores are comparable |

negative-knowledge/corrections.csv

@@ -1,4 +1,5 @@
 id,type,date,title,summary,old_value,new_value,claim_ids,url
+frc:corr:2026-10-24:36465f3a,error_family,2026-10-24,"Our own error, found 2026-10-24 by four more first-time readers: one page carried two stale values for the same lenders, the home page's structured data and llms.txt quoted a third value for CrossCountry, and three pages disagreed on how many AI systems we tested","We gave the site to four readers who had never seen it (a sixteen-year-old, a blind reader using a screen reader, the owner of a competing data company, and a crawler; readers/ ). The sixteen-year-old found that ai-vs-the-data.html gave Rocket’s 2025 FHA denial rate as 31.0% in one paragraph and 30.5% in another, and Guild’s as 8.6% and 7.1%; all four were values from before the 26 July universe correction. The current figures are Rocket 29.8% and Guild 6.9% (spread 22.9 points). He also found the home page saying we tested “4 AI systems” while the scorecard said “seven” and another page “seven platforms”. The crawler found three values for CrossCountry in our own machine-readable text: 6.4%",,,,https://financeratecalc.com/corrections.html
 frc:corr:2026-10-20:cdafc952,error_family,2026-10-20,"Our own error, found 2026-10-20 by three first-time readers: a product we said we withdrew was still offered on 1,753 pages; 54 pages carried two different values for the same figure; the methodology page described a rule no figure uses","We asked three readers who had never seen this site to use it for fifteen minutes each: a borrower whose FHA application was just denied, a compliance officer at a lender named here, and a trade reporter. All three found the same things. Zai was retired on 4 September and still being sold. Our terms have said since 4 September that Zai, Zai for Brokers, Zai Pro and the Verdict Case File were withdrawn because they crossed our line: no individual approval predictions, no lender recommendations. On 20 October, 1,753 pages still said “Not sure if you’ll get approved? Talk to Zai”, 348 said “Ask Zai which lenders accept international profiles”, the home page footer linked “Pro $49/mo”, and twelv",,,,https://financeratecalc.com/corrections.html
 frc:corr:2026-10-18:2eea1653,error_family,2026-10-18,"Our own error, found 2026-10-18: three explainer pages gave earlier years' loan limits as the 2026 values, and the glossary an outdated VA funding fee","The mortgage dictionary said the 2026 conforming limit was $806,500 (the 2025 value); the glossary said $766,550 with a $1,149,825 high-cost ceiling (the 2024 values); the jumbo-loan calculator gave the 2026 high-cost ceiling as $1,209,750 (the 2025 value). The 2026 values are $832,750 and $1,249,125 (FHFA, 25 November 2025). The glossary’s VA example also used a 2.3% first-use funding fee, the rate before 7 April 2023; it is 2.15% (under 5% down). Found by the first run of FRC Rule Watch, a checker for stale mortgage rule constants, on this site. Fix: the seven sentences corrected; Rule Watch now runs on every change to this site and weekly, and fails if a value past its validity date is pr",,,,https://financeratecalc.com/corrections.html
 frc:corr:2026-10-17:30e46c6c,error_family,2026-10-17,"Our own error, found 2026-10-17: the 14 October audit kept one accusation it should have suspended","In September we graded Gemini D on q3 with the code FABRICATED_SUPPORT for “Fairway at 5.7%, a figure with no source we can locate”, and our 14 October audit listed that verdict as one that holds. It does not hold as written. On 17 October a search-grounded system answering the same question quoted LendingTree’s FHA rates page, which reports Fairway’s 5.7% as one of the lowest denial rates it saw among major lenders. That is probably a different comparison from ours (a universe mismatch), not an invention. The audit searched only our own history, so a figure that exists outside our record was counted as invented. Fix: the code is suspended for Gemini’s September q3 ( benchmark-2026-09.json ,",,,,https://financeratecalc.com/corrections.html