Somebody, anybody, I need help. Have you heard of error code Business Rule IND-369-01 ?

I tried to file recently (yes, late) with the "free file fillable form" from the IRS website and I keep getting the IND-369-01 error.  I can't find any answer on the IRS website, the IRS customer service agent couldn't help and transferred me into oblivion.  I got this message on the rejection email :

Here is your error(s):

Issue : Business Rule IND-369-01 - If [NetOperatingLossCarryforwardDeductionStatement] is present in the return, then Schedule 1 (Form 1040), `NetOperatingLossDeductionAmt` must have a value greater than zero.

The following information may help you determine the form at issue:
Field/Xpath: /efile:Return/efile:ReturnData/efile:IRS1040Schedule1/efile:NetOperatingLossDeductionAmt

 

THE THING IS.... I don't own a business, so I don't know about the "net operating loss". I'm married filing separate and I had $0 income last year (stay at home mom). I'm paying the first time home buyer credit and claiming child credit.

I will really really appreciate any advise/answer you can help me with.  Thank you !!!!