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scenario_based-2.csv

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+questions,labels,answers
+"I’m a rideshare driver. Does my personal auto insurance cover accidents during paid trips, or do I need a commercial policy?",scenario-based,Rideshare drivers typically need a commercial policy or a rideshare endorsement.
+My flood insurance claim was denied for ‘gradual damage.’ What’s the difference between sudden and gradual damage in policies?,scenario-based,"Gradual damage refers to long-term issues like erosion, while sudden damage is event-based (e.g., storms)."
+I’m adopting a child internationally. Are there insurance plans that cover pre-existing conditions before the adoption is finalized?,scenario-based,Some insurers offer ‘prospective adoption’ policies; check with specialized providers.
+My homeowner’s insurance dropped me after two claims in five years. How can I find a new provider with a high-claim history?,scenario-based,"High-risk pools or surplus lines insurers may accept you, but premiums will be higher."
+I store inventory for my small business in my garage. Will my homeowner’s policy cover theft or fire damage to these items?,scenario-based,Homeowner’s policies often exclude business inventory; you’ll need a business rider.
+"I was hit by an uninsured driver. What does ‘UM/UIM coverage’ include, and how do I file a claim under it?",scenario-based,UM/UIM (Uninsured/Underinsured Motorist) coverage pays for your injuries and damages.
+My life insurance application was rejected due to a family history of cancer. Are there no-medical-exam alternatives?,scenario-based,Guaranteed-issue life insurance skips medical exams but has lower coverage limits.
+I’m traveling to a country with a Level 3 travel advisory. Will my travel insurance still cover emergencies?,scenario-based,Most policies void coverage for destinations under Level 3+ advisories; check fine print.
+"My pet needs a $5,000 surgery. Does pet insurance reimburse pre-existing conditions if they weren’t diagnosed before enrollment?",scenario-based,Pre-existing conditions are rarely covered unless waived during enrollment.
+A hailstorm damaged my solar panels. Are they covered under my homeowner’s policy or a separate warranty?,scenario-based,Solar panels may require a separate rider; check your policy’s ‘other structures’ clause.
+"A customer disputed a $200 charge claiming they never received the item, but tracking shows delivered. How do I fight this chargeback?",scenario-based,
+My Shopify store was suspended for ‘suspicious activity’ after a surge in sales. How do I appeal this?,scenario-based,
+"I sold a vintage item, but the buyer says it’s counterfeit. How do I prove authenticity without a receipt?",scenario-based,
+My product ranking dropped after Amazon’s algorithm update. What SEO strategies work best now?,scenario-based,
+"A customer left a 1-star review because shipping was slow, but it was the carrier’s fault. Can I have the review removed?",scenario-based,
+"I’m dropshipping from China, but customs delays are causing cancellations. Should I switch to local suppliers?",scenario-based,
+"My PayPal account was frozen for ‘high risk’ after a $10,000 sale. How long does verification take?",scenario-based,
+A competitor copied my product descriptions verbatim. What legal action can I take?,scenario-based,
+My Google Ads ROI dropped 50% after iOS privacy updates. What’s the alternative for tracking conversions?,scenario-based,
+I accidentally oversold an item due to inventory sync issues. How do I compensate affected customers?,scenario-based,
+My internet speed is consistently half of what I pay for. How do I escalate this to the FCC if the provider won’t act?,scenario-based,
+I moved to a rural area with no fiber coverage. Are there subsidies for satellite internet installation?,scenario-based,
+My phone plan charged me $200 for ‘premium SMS’ I never subscribed to. How do I block these charges?,scenario-based,
+"The carrier’s coverage map showed strong signal at my home, but I get no service. Can I cancel without penalties?",scenario-based,
+I’m deaf and need captions for customer service calls. Which providers offer real-time captioning?,scenario-based,
+My family plan’s bill increased by $30/month without notice. Is this legal under my contract?,scenario-based,
+"A sales rep promised a free phone, but the contract lists it as $25/month. How do I prove misrepresentation?",scenario-based,
+I’m traveling for 6 months. Can I pause my cell plan without losing my number?,scenario-based,
+My unlocked phone won’t work on a new network due to ‘incompatible bands.’ How do I check compatibility beforehand?,scenario-based,
+A technician’s visit to fix my internet left my yard dug up. Who’s responsible for landscaping repairs?,scenario-based,
+"My organic certification is pending, but buyers demand proof now. Can I use ‘transitional organic’ labels?",scenario-based,
+Drought destroyed 60% of my crops. What USDA disaster relief programs apply?,scenario-based,
+I want to switch to no-till farming. Are there grants for equipment like seed drills?,scenario-based,
+My neighbor’s pesticide drift damaged my beehives. What legal recourse do I have?,scenario-based,
+Farmers’ markets require $1M liability insurance. Are there low-cost policies for small growers?,scenario-based,
+I inherited farmland but live overseas. How do I lease it responsibly without local contacts?,scenario-based,
+The co-op rejected my milk for high somatic cell counts. What steps reduce this in dairy cows?,scenario-based,
+Wild boars are destroying my fields. Can I get a depredation permit to cull them?,scenario-based,
+My agritourism guests injured themselves on a hayride. What insurance covers this?,scenario-based,
+Climate change has shifted my planting zones. Where can I get updated soil and crop advisories?,scenario-based,
+"I reported a pothole 3 weeks ago, but it’s still unfixed. How do I escalate this to the city council?",scenario-based,
+My disability benefits were cut after I freelance occasionally. How does the SSA define ‘substantial gainful activity’?,scenario-based,
+"I need a birth certificate for my passport application, but the office has a 2-month backlog. Can I expedite this?",scenario-based,
+"A police report was filed incorrectly, affecting my insurance claim. How do I amend it?",scenario-based,
+I’m a veteran denied VA healthcare because my income is $1 over the threshold. Can I appeal?,scenario-based,
+My tax refund was seized for student loans in default. How do I request a hardship waiver?,scenario-based,
+"I’m homeless and need an ID to apply for jobs, but I lost all documents. What’s the first step to rebuild them?",scenario-based,
+My FOIA request about local pollution was denied for being ‘too broad.’ How do I narrow it effectively?,scenario-based,
+A zoning change will block my home expansion. How do I petition against it?,scenario-based,
+My jury duty summons conflicts with my childcare responsibilities. What’s the process to defer?,scenario-based,
+Our nonprofit’s 501(c)(3) status is pending. Can we accept donations before approval?,scenario-based,
+A volunteer was injured building homes for us. Are we liable without workers’ comp?,scenario-based,
+Grantors want outcomes data we don’t have. How do we measure impact with limited staff?,scenario-based,
+A donor pledged $50K but now refuses to pay. Is this legally enforceable?,scenario-based,
+Our executive director’s salary is 30% of our budget. Could this risk our tax-exempt status?,scenario-based,
+We operate in multiple states. Do we need to register as a charity in each one?,scenario-based,
+A board member is embezzling. What’s the protocol to remove them without publicity?,scenario-based,
+"Can we use cryptocurrency donations, and how do we value them for tax receipts?",scenario-based,
+Our fundraiser auctioned a vacation package. Are there sales tax obligations?,scenario-based,
+A disgruntled ex-employee is badmouthing us online. What legal actions can we take?,scenario-based,
+I have a heart condition but want to join a gym. What medical clearance do trainers require?,scenario-based,
+"A gym trainer pushed me to lift heavier, causing a back injury. Can I sue for negligence?",scenario-based,
+My gym closed permanently but won’t refund prepaid annual fees. What are my options?,scenario-based,
+I’m 6 months pregnant. Are there prenatal yoga classes covered by my health insurance?,scenario-based,
+A fitness app shared my data without consent. What privacy laws apply?,scenario-based,
+I slipped on wet floors in a pool area. Who’s liable if there was no ‘Caution’ sign?,scenario-based,
+My Peloton subscription auto-renewed after cancellation. How do I demand a refund?,scenario-based,
+CrossFit gave me rhabdomyolysis. Can the studio be held responsible for not warning beginners?,scenario-based,
+I bought ‘FDA-approved’ waist trainers that caused bruising. Is this false advertising?,scenario-based,
+A marathon’s promised hydration stations ran out of water. Can participants claim damages?,scenario-based,
+"My concert tickets were fake, but I paid via Venmo. How do I recover the money?",scenario-based,
+A streaming service removed a movie mid-watchlist. Do I get a partial refund?,scenario-based,
+I was injured in a mosh pit. Can I sue the venue for inadequate security?,scenario-based,
+A celebrity’s NFT promotion turned out to be a scam. Who investigates this?,scenario-based,
+My kid spent $500 on in-game purchases without my consent. How do I get a refund?,scenario-based,
+A film crew damaged my property while shooting without permits. What compensation can I demand?,scenario-based,
+I auditioned for a role but was asked for ‘pay-to-play’ fees. Is this legal?,scenario-based,
+A comedy club used my likeness in ads without permission. What’s the penalty?,scenario-based,
+My band’s music was used in a viral video without credit. How do we claim royalties?,scenario-based,
+A haunted house attraction gave me a panic attack. Can they be liable for trauma?,scenario-based,
+My dog was injured at a daycare that waived liability in their contract. Can I still sue?,scenario-based,
+"A groomer shaved my double-coated breed against instructions, causing skin issues. What remedies exist?",scenario-based,
+My vet insists on unnecessary tests. How do I get a second opinion without offending them?,scenario-based,
+A pet store sold me a sick puppy. Can I demand reimbursement for vet bills?,scenario-based,
+"My apartment’s pet deposit is $1,000. Is this legally capped in any states?",scenario-based,
+A dog walker lost my pet. What compensation is typical in these cases?,scenario-based,
+"My HOA banned pit bulls, but mine is a therapy animal. How do I challenge this?",scenario-based,
+A raw food diet made my cat severely ill. Can I sue the manufacturer?,scenario-based,
+My pet’s cremation ashes were mixed with others. What legal recourse do I have?,scenario-based,
+"A trainer used shock collars without my consent, traumatizing my dog. Is this animal cruelty?",scenario-based,
+A data breach leaked my SSN. What’s the first step to prevent identity theft?,scenario-based,
+My company was ransomware attacked. Should we pay the hackers or risk leaked data?,scenario-based,
+A fake app stole my bank login. How do I report this to Apple/Google?,scenario-based,
+My smart TV is recording private conversations. How do I disable spyware?,scenario-based,
+An ex-partner is threatening to share intimate photos. What laws protect me?,scenario-based,
+I clicked a phishing link but closed it immediately. Is my device still compromised?,scenario-based,
+A coworker’s infected USB spread malware to our network. Who’s liable for damages?,scenario-based,
+My child’s school database was hacked. What should parents monitor for fraud?,scenario-based,
+A crypto wallet drained overnight. Can blockchain transactions be reversed?,scenario-based,
+A deepfake video of me is circulating. How do I get it taken down legally?,scenario-based,

scenario_based.csv

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+questions,labels,answers
+"I’m a freelancer with inconsistent monthly income. Can I apply for a personal loan, and what alternative income proofs do banks accept?",scenario-based,Freelancers can qualify with bank statements or tax returns as income proof. Each bank has varying policies.
+"My credit score dropped due to a missed payment last year. How long will it take to rebuild my score, and what steps do you recommend?",scenario-based,Credit scores typically recover in 6–12 months with consistent on-time payments and low credit utilization.
+"I’m a non-resident working in Saudi Arabia. Can I open a savings account with a local bank, and what documents are required?",scenario-based,"Non-residents can open accounts with a passport, residency visa, and proof of employment."
+"My debit card was charged twice for a single transaction. How do I dispute this error, and how long does the refund process take?",scenario-based,Dispute the charge via your bank’s app or call center. Refunds usually take 7–10 business days.
+"I want to invest $5,000 in a low-risk portfolio. What options does your bank offer for first-time investors?",scenario-based,Consider CDs or bond funds for low-risk options. Schedule a consultation with our advisors.
+My elderly mother struggles with online banking. Does your branch offer in-person assistance for seniors?,scenario-based,"Yes, most branches have dedicated staff to assist seniors with in-person transactions."
+"I’m traveling abroad next month. Should I notify my bank to avoid card blocks, and how do I do this?",scenario-based,"Notify your bank via their app, website, or customer service line to avoid security blocks."
+I inherited a property but need cash urgently. Does your bank offer loans against inherited assets?,scenario-based,"Yes, inheritance loans are available with probate court documents as collateral."
+My business operates in multiple currencies. Do you provide multi-currency accounts for SMEs?,scenario-based,"Yes, we offer multi-currency accounts with competitive exchange rates for SMEs."
+"I lost my checkbook. How can I place a stop payment on all pending checks, and is there a fee?",scenario-based,Contact your bank immediately; stop-payment fees range from $15–$35 per check.
+I have severe allergies to penicillin. How do I ensure this is highlighted in my medical records at your hospital?,,
+"My health insurance denied coverage for a prescribed MRI. What’s the appeals process, and how long does it take?",,
+"I’m pregnant and want a natural birth. Does your hospital offer birthing plans, and how do I customize one?",,
+My father has dementia and keeps wandering. Do you offer GPS tracking devices for patients?,,
+"I need a refill for my blood pressure medication, but my doctor is unavailable. Can your pharmacy help?",,
+My child has a fever at 2 AM. Does your clinic provide 24/7 telemedicine consultations?,,
+I’m diabetic and traveling overseas. How do I get an emergency insulin prescription abroad?,,
+"Your website says my vaccine is covered, but the clinic charged me. Who do I contact to resolve this?",,
+I suspect a misdiagnosis. How do I request a second opinion from your specialists?,,
+My surgery was postponed twice. Can I get priority rescheduling due to worsening pain?,,
+"I overbooked a flight and got bumped. What compensation is legally required, and how do I claim it?",,
+"My passport expires in 4 months. Can I still travel to Europe, or will airlines deny boarding?",,
+I’m allergic to peanuts. How do I request a nut-free meal on an international flight?,,
+"My Airbnb host canceled last minute. What are my rights, and how can I find urgent alternatives?",,
+I missed my cruise departure due to a delayed flight. Does the cruise line offer refunds or rescheduling?,,
+"My visa application was rejected. Can I appeal, and what evidence strengthens my case?",,
+I lost my luggage with essential medication. How do I file a claim with the airline?,,
+I’m traveling solo to a high-risk country. Does your embassy provide safety registrations?,,
+"My rental car was damaged, but I bought full coverage. Why is the company charging me extra?",,
+"I booked a tour, but the guide didn’t show up. How do I get a refund from the agency?",,
+My child has ADHD and struggles in class. What accommodations does your school offer?,,
+"I failed a course due to medical issues. Can I appeal the grade, and what documentation is needed?",,
+I’m an international student. Can I work part-time while studying on a student visa?,,
+Your university’s scholarship portal crashed before the deadline. How do I submit my application now?,,
+My professor accused me of plagiarism unfairly. What’s the formal dispute process?,,
+I want to transfer credits from an overseas institution. How do I get them evaluated?,,
+My financial aid package was reduced unexpectedly. Who can I appeal to for reconsideration?,,
+The dormitory assigned to me is far from campus. How do I request a reassignment?,,
+I’m dyslexic and need extra exam time. How do I register for disability support services?,,
+"Your career center advertised internship partnerships, but none replied. What alternatives do you suggest?",,
+I found cracks in my newly bought home’s foundation. Can I sue the inspector for negligence?,,
+My landlord increased rent by 20% with no notice. Is this legal in this state?,,
+I want to buy a foreclosure property. What hidden costs should I budget for?,,
+My HOA fined me for parking on the street overnight. How do I challenge this rule?,,
+I’m relocating for work and need to break my lease early. What penalties apply?,,
+The seller didn’t disclose a pest infestation. What legal recourse do I have?,,
+I inherited a house with siblings. How do we force a sale if one refuses to cooperate?,,
+My mortgage application was denied due to student loans. Are there alternative programs?,,
+The appraiser undervalued my home. Can I request a second opinion?,,
+My condo building has no wheelchair access. Can I demand modifications under the ADA?,,
+My employer changed my job description without consent. Can I refuse or negotiate compensation?,,
+I was fired after reporting harassment. What whistleblower protections exist?,,
+My company denied my promotion citing ‘cultural fit.’ Is this discriminatory?,,
+I work remotely but my company is forcing return-to-office. Can they enforce this?,,
+My paycheck was short by 10 hours. How do I escalate this to labor authorities?,,
+I’m on maternity leave but asked to attend meetings. Is this legal?,,
+My non-compete clause bars any industry job for 2 years. Can this be enforced?,,
+The internship I was promised turned into unpaid labor. What are my rights?,,
+My boss refuses to approve vacation despite accrued PTO. What can I do?,,
+I’m paid less than colleagues with the same role. How do I approach HR discreetly?,,
+My smart home devices were hacked. How do I reset them securely?,,
+I bought a laptop that overheats constantly. Can I demand a replacement after the return window?,,
+Your software update corrupted my files. How do I recover them?,,
+A phishing email stole my credentials. What immediate steps should I take?,,
+My internet provider throttles streaming. How do I prove this for a complaint?,,
+"I canceled a subscription, but keep getting charged. How do I stop this?",,
+My phone warranty expired right before a defect appeared. Any goodwill repair options?,,
+I was banned from an app for ‘violating terms’ but did nothing wrong. How do I appeal?,,
+My cloud storage deleted files automatically. Can I retrieve them?,,
+A game’s loot box system charged my child $500 without consent. How do I dispute this?,,
+My neighbor’s tree damaged my roof. Who’s liable for repairs?,,
+I was sued for a debt I already paid. How do I prove this in court?,,
+My ex-spouse is hiding assets during divorce. What legal tools can uncover them?,,
+I signed a contract under pressure. Can I void it for duress?,,
+A scammer impersonated me for a loan. How do I clear my credit report?,,
+My will was contested by a distant relative. How do I defend its validity?,,
+I was arrested but not read my rights. Does this invalidate the charges?,,
+My trademark application was rejected for being ‘too generic.’ Can I revise and resubmit?,,
+A contractor left my renovation half-finished. How do I recover my deposit?,,
+I witnessed a crime but fear retaliation. How do I report anonymously?,,
+My car warranty claim was denied for ‘pre-existing damage.’ How do I appeal?,,
+The dealership sold me a car with undisclosed accidents. What legal options do I have?,,
+My leased car’s mileage limit is unrealistic. Can I renegotiate terms mid-lease?,,
+A mechanic’s repair caused new issues. Who covers the secondary repairs?,,
+My electric vehicle’s battery drains faster than advertised. Is this grounds for a refund?,,
+I was overcharged for ‘mandatory’ add-ons at signing. How do I get reimbursed?,,
+A rental car company charged me for scratches I didn’t cause. How do I fight this?,,
+My recall repair appointment is 6 months out. Can I demand a loaner car?,,
+I financed a car but lost my job. Can I return it without credit damage?,,
+Towing company damaged my car during transport. Who’s liable for repairs?,,
+My town’s tap water has a strange odor. How do I request EPA testing?,,
+I want to install solar panels but my HOA banned them. Can I override this?,,
+A factory near my home is polluting the air. How do I report them to regulators?,,
+My recycling bin was rejected for minor contamination. What’s the appeal process?,,
+I found endangered species on my property. Does this restrict my land use?,,
+A nearby construction site is causing excessive noise at night. What noise ordinances apply?,,
+My city’s plastic bag ban is inconsistently enforced. Who do I contact?,,
+I suspect a neighbor is illegally dumping oil. How do I report anonymously?,,
+My community’s wildfire evacuation plan is outdated. How do I push for updates?,,
+A national park closed my favorite trail. How do I petition for reopening?,,