{
 "label": "SAMPLE DATA - fictional loan tape",
 "asof": "2026-09-30",
 "seed": 20261016,
 "rows": 2000,
 "flags": [
  {
   "loan_id": "S-00052",
   "rule": "zero_balance_delinquent",
   "why": "zero balance but 45 dpd"
  },
  {
   "loan_id": "S-00137",
   "rule": "dpd_status_mismatch",
   "why": "dpd 97 implies 90+, tape says current"
  },
  {
   "loan_id": "S-00151",
   "rule": "maturity_before_orig",
   "why": "maturity 2025-09-27 on/before origination 2026-04-15"
  },
  {
   "loan_id": "S-00178",
   "rule": "orig_after_asof",
   "why": "originated 2026-10-12 after as-of 2026-09-30"
  },
  {
   "loan_id": "S-00204",
   "rule": "orig_after_asof",
   "why": "originated 2026-10-12 after as-of 2026-09-30"
  },
  {
   "loan_id": "S-00228",
   "rule": "zero_balance_delinquent",
   "why": "zero balance but 45 dpd"
  },
  {
   "loan_id": "S-00260",
   "rule": "state_invalid",
   "why": "state code ZZ"
  },
  {
   "loan_id": "S-00452",
   "rule": "cure_without_payment_jump",
   "why": "90+ \u2192 current in one month; check for re-age/modification"
  },
  {
   "loan_id": "S-00475",
   "rule": "balance_gt_orig",
   "why": "balance 26,338 > original 22,320"
  },
  {
   "loan_id": "S-00600",
   "rule": "cure_without_payment_jump",
   "why": "90+ \u2192 current in one month; check for re-age/modification"
  },
  {
   "loan_id": "S-00618",
   "rule": "maturity_before_orig",
   "why": "maturity 2025-09-16 on/before origination 2026-04-04"
  },
  {
   "loan_id": "S-00655",
   "rule": "balance_gt_orig",
   "why": "balance 24,674 > original 20,910"
  },
  {
   "loan_id": "S-00692",
   "rule": "balance_gt_orig",
   "why": "balance 35,459 > original 30,050"
  },
  {
   "loan_id": "S-00707",
   "rule": "zero_balance_delinquent",
   "why": "zero balance but 45 dpd"
  },
  {
   "loan_id": "S-00712",
   "rule": "apr_out_of_range",
   "why": "APR 45.9% outside (0, 36%]"
  },
  {
   "loan_id": "S-00724",
   "rule": "maturity_before_orig",
   "why": "maturity 2025-05-31 on/before origination 2025-12-17"
  },
  {
   "loan_id": "S-00746",
   "rule": "dpd_status_mismatch",
   "why": "dpd 97 implies 90+, tape says current"
  },
  {
   "loan_id": "S-00805",
   "rule": "fico_invalid",
   "why": "FICO 912 outside 300\u2013850"
  },
  {
   "loan_id": "S-00943",
   "rule": "dpd_status_mismatch",
   "why": "dpd 97 implies 90+, tape says current"
  },
  {
   "loan_id": "S-01170",
   "rule": "balance_gt_orig",
   "why": "balance 16,945 > original 14,360"
  },
  {
   "loan_id": "S-01291",
   "rule": "fico_invalid",
   "why": "FICO 912 outside 300\u2013850"
  },
  {
   "loan_id": "S-01302",
   "rule": "apr_out_of_range",
   "why": "APR 45.9% outside (0, 36%]"
  },
  {
   "loan_id": "S-01397",
   "rule": "apr_out_of_range",
   "why": "APR 45.9% outside (0, 36%]"
  },
  {
   "loan_id": "S-01405",
   "rule": "orig_after_asof",
   "why": "originated 2026-10-12 after as-of 2026-09-30"
  },
  {
   "loan_id": "S-01509",
   "rule": "cure_without_payment_jump",
   "why": "90+ \u2192 current in one month; check for re-age/modification"
  },
  {
   "loan_id": "S-01513",
   "rule": "state_invalid",
   "why": "state code ZZ"
  },
  {
   "loan_id": "S-01581",
   "rule": "state_invalid",
   "why": "state code ZZ"
  },
  {
   "loan_id": "S-01795",
   "rule": "fico_invalid",
   "why": "FICO 912 outside 300\u2013850"
  },
  {
   "loan_id": "S-01916",
   "rule": "dpd_status_mismatch",
   "why": "dpd 97 implies 90+, tape says current"
  },
  {
   "loan_id": "S-01994",
   "rule": "cure_without_payment_jump",
   "why": "90+ \u2192 current in one month; check for re-age/modification"
  },
  {
   "loan_id": "S-00160",
   "rule": "duplicate_id",
   "why": "loan_id appears 2 times"
  },
  {
   "loan_id": "S-00389",
   "rule": "duplicate_id",
   "why": "loan_id appears 2 times"
  },
  {
   "loan_id": "S-00509",
   "rule": "duplicate_id",
   "why": "loan_id appears 2 times"
  }
 ],
 "score": {
  "injected": 33,
  "caught": 33,
  "false_positives": [],
  "missed": []
 },
 "rule_counts": {
  "zero_balance_delinquent": 3,
  "dpd_status_mismatch": 4,
  "maturity_before_orig": 3,
  "orig_after_asof": 3,
  "state_invalid": 3,
  "cure_without_payment_jump": 4,
  "balance_gt_orig": 4,
  "apr_out_of_range": 3,
  "fico_invalid": 3,
  "duplicate_id": 3
 },
 "roll": {
  "current": {
   "current": 1721,
   "1-29": 21,
   "30-59": 0,
   "60-89": 0,
   "90+": 0
  },
  "1-29": {
   "current": 0,
   "1-29": 76,
   "30-59": 18,
   "60-89": 18,
   "90+": 0
  },
  "30-59": {
   "current": 0,
   "1-29": 0,
   "30-59": 49,
   "60-89": 13,
   "90+": 0
  },
  "60-89": {
   "current": 0,
   "1-29": 0,
   "30-59": 0,
   "60-89": 10,
   "90+": 21
  },
  "90+": {
   "current": 0,
   "1-29": 0,
   "30-59": 0,
   "60-89": 0,
   "90+": 17
  }
 },
 "clean_balance": 26053113.75,
 "dq_balance": {
  "current": 23118196.52,
  "1-29": 1148557.32,
  "30-59": 865143.11,
  "60-89": 447232.18,
  "90+": 473984.62
 }
}