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: Mortgage Discrimination 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
+---
+
+# Mortgage Discrimination Pain Receipt
+
+> *"the redlined"* — 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 `mortgage-discrimination`
+- 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-0028", "type": "demand", "claim": "r, failed to provide foreclosure protections; $3M redress + $2M penalty + $2M tech investment [^16^]   - CFPB sued real estate brokerage for RESPA kickbacks and steering consumers [^17^]   - Trident Mortgage redlined majority-minority neighborhoods; $4 million civil penalty [^18^] - **Source:** CFPB enforcement actions [^16^][^17^][^18^]", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0066", "type": "demand", "claim": "- **Who experienced pain:** Residential mortgage borrowers serviced by Fay Servicing (Florida-based) - **Evidence:** $3 million consumer redress; $2 million civil penalty; $2 million tech investment; previously $1.15 million in 2017 [^16^] - **Source type:** Pri", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0067", "type": "demand", "claim": "- **Who experienced pain:** Residential mortgage borrowers serviced by Fay Servicing (Florida-based) - **Evidence:** $3 million consumer redress; $2 million civil penalty; $2 million tech investment; previously $1.15 million in 2017 [^16^] - **Source type:** Primary \u2014 CFPB consent order - **What can be", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0068", "type": "demand", "claim": "applicants required demographic questions under Home Mortgage Disclosure Act, then falsely reported applicants \"chose not to respond.\" - **Who experienced pain:** Mortgage applicants whose demographic data was not accurately reported - **Evidence:** $12 million civil money penalty; at least four years of violations [^19^] - **Source type:*", "tribunal_class": "HONEY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0064", "type": "demand", "claim": "- **Who experienced pain:** Residential mortgage borrowers serviced by Fay Servicing (Florida-based) - **Evidence:** $3 million consumer redress; $2 million civil penalty; $2 million tech investment; previou", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0065", "type": "demand", "claim": "- **Who experienced pain:** Residential mortgage borrowers serviced by Fay Servicing (Florida-based) - **Evidence:** $3 million consumer redress; $2 million civil penalty; $2 million tech investment; previously $1.15 million in 2017 [^1", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0088", "type": "demand", "claim": "- **Who experienced pain:** Mortgage applicants facing discrimination - **Evidence:** $1.5 million civil money penalty; 5-year industry ban; consent order January 2025; CFPB issu", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0089", "type": "demand", "claim": "- **Who experienced pain:** Minority residents of Philadelphia area denied equal mortgage access - **Evidence:** $4 million civil penalty; joint CFPB-DOJ action; terminated with prejudice June 2, 2025 [^", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}
+{"id": "SIGNAL-0118", "type": "market_gap", "claim": "Draper & Kramer Mortgage Discrimination - **What happened:** Mortgage corporation violated Equal Credit Opportunity Act; 5-year ban on residential mortgage lending imposed.", "tribunal_class": "JELLY", "source_file": "research/defendable_dim01_consumer_financial.md"}