v0.1 · cracked pain receipt · part of the SwarmandBee 100-pack

README.md

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+---
+license: cc-by-4.0
+language:
+- en
+size_categories:
+- n<1K
+task_categories:
+- text-classification
+pretty_name: Dispute Resolution Pain Receipt
+tags:
+- pain-receipt
+- defendable-os
+- swarm-and-bee
+- mr-defendable
+- consumer_financial
+- tribunal-graded
+- free
+- cracked
+configs:
+- config_name: default
+  data_files:
+  - split: train
+    path: data/train.jsonl
+---
+
+# Dispute Resolution Pain Receipt
+
+> *"the silent treatment"* — Mr. Defendable
+
+**A free pain-receipt dataset** from the DefendableOS ecosystem. 9 rows · ready to read · all cited or graded · CC-BY-4.0.
+
+Part of **the 100-pack** — 100 free pain-receipt datasets dropped from the [Defendable Bakery](https://huggingface.co/SwarmandBee) to the open AI-trust community. Different theme per dataset. Same operator voice across all of them.
+
+> `Tribunal begins before training. No proof, no honey. To the shed.`
+
+## What's in here
+
+- **9 pain receipts** themed `dispute-resolution-pain`
+- Sourced from the Defendable Federal Demand Intelligence corpus + the Kimi deep-research intake
+- Each row is **either** HONEY/JELLY/PROPOLIS Tribunal-graded **or** carries an explicit verification path
+
+## Use it for
+
+- **AI-trust grading** training data (supervised)
+- **Pain-mode retrieval** — index by theme, query by failure mode
+- **SwarmFixer-style repair loops** — feed PROPOLIS rows into your fixer to study what breaks
+- **Operator voice training** — the cracked summaries carry the Mr. Defendable cadence
+
+## Doctrine reminder
+
+PROPOLIS rows are **the deceiving shine** — fabrication looks shippable from the outside. JELLY rows are real signal that needs corroboration. HONEY rows survived the gate. None of this is investment advice, legal advice, or medical advice — these are operator-grade pain receipts published as-is for AI training.
+
+## The 100-pack
+
+Browse the rest at [huggingface.co/SwarmandBee](https://huggingface.co/SwarmandBee). All 100 are free. All 100 carry the Defendable doctrine. Take what you need.
+
+## Operator + Contact
+
+**Swarm and Bee LLC** · Florida · D-U-N-S 138652395 · DBA Swarm & Bee AI · a surface of [DefendableOS](https://defendableos.com)
+
+- Email · [build@swarmandbee.ai](mailto:build@swarmandbee.ai)
+- X · [@swarmandbee](https://x.com/swarmandbee)
+- LinkedIn · [Donovan Mackey](https://www.linkedin.com/in/donovan-mackey-89a6063b6/) (founder)
+- GitHub · [SudoSuOps](https://github.com/SudoSuOps)
+- Hugging Face · [SwarmandBee](https://huggingface.co/SwarmandBee)
+
+## License
+
+CC-BY-4.0 · attribution to Swarm and Bee LLC. Free to use, share, train on. Cite us when you ship.
+
+---
+
+`Ring ring · to the shed.` 🐝

data/train.jsonl

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+{"id": "SIGNAL-0020", "type": "demand", "claim": "es in 2024-2025 vs Experian exceeding 90% [^6^]   - TransUnion jumped from 5% to 30% dispute confirmation rate in 2022 and stayed near that level [^6^]   - CFPB sued Experian for failing to properly investigate disputes [^8^]   - Equifax settled for $15 million with consent order to fix dispute process [^8^] - **Volume:** 5.8 million compl", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0101", "type": "pricing", "claim": "y investigate disputes; identity theft reporting errors; mixed files - **Example incidents:**   - Consumers unable to get jobs/apartments due to credit report errors [^6^]   - Equifax confirmed only ~37% of consumer-reported prior disputes in 2024-2025 vs Experian exceeding 90% [^6^", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0102", "type": "pricing", "claim": "ample incidents:**   - Consumers unable to get jobs/apartments due to credit report errors [^6^]   - Equifax confirmed only ~37% of consumer-reported prior disputes in 2024-2025 vs Experian exceeding 90% [^6^]   - TransUnion jumped from 5% to 30% dispute confirmation rate in 2022 an", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0103", "type": "pricing", "claim": "le to get jobs/apartments due to credit report errors [^6^]   - Equifax confirmed only ~37% of consumer-reported prior disputes in 2024-2025 vs Experian exceeding 90% [^6^]   - TransUnion jumped from 5% to 30% dispute confirmation rate in 2022 and stayed near that level [^6^]   - C", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0104", "type": "pricing", "claim": "get jobs/apartments due to credit report errors [^6^]   - Equifax confirmed only ~37% of consumer-reported prior disputes in 2024-2025 vs Experian exceeding 90% [^6^]   - TransUnion jumped from 5% to 30% dispute confirmation rate in 2022 and stayed near that level [^6^]   - CFPB sue", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0105", "type": "pricing", "claim": "CFPB sued Experian for failing to properly investigate disputes [^8^]   - Equifax settled for $15 million with consent order to fix dispute process [^8^] - **Volume:** 5.8 million complaints in 2025 (88% of all complaints) [^2^] - **Source:** CFPB FCRA 611(e) Report 2025 [^6^]; CFPB", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0113", "type": "pricing", "claim": "2025 | CFPB enforcement [^4^]; CFPB Annual Report [^15^] | | 7 | **Time and Administrative Burden** | Consumers must first dispute with CRAs, wait 45 days before CFPB complaint (2026 policy change); 88% attempted resolution with company first | CFPB policy [^25^]; CFPB Annual Repor", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0074", "type": "demand", "claim": "Equifax Credit Reporting Dispute Failures ($15M Settlement) - **What happened:** Equifax failed to properly investigate consume", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0075", "type": "demand", "claim": "- **Who experienced pain:** Consumers with errors on Equifax credit reports - **Evidence:** $15 million settlement with legally binding consent order; improvements to web dispute inte", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}