vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Tenants | New York State Attorney General
Before anything is moved, make sure the mover gives you a written "order for service," which sets forth the probable cost of the move and how much you will have to pay to have your property unloaded if the actual cost exceeds the estimate:

In order to have your goods released after an intrastate move, you will generally not have to pay more than the original estimate plus 25% in the case of hourly-rated moves, or plus 10% in the case of a weight-rated move. You will have 15 days after delivery to pay the balance on intrastate moves.
For moves between two states that are billed by weight, the maximum payment due on moving day is 10% above the estimate and any balance must be deferred for 30 days after delivery (no such interstate rule applies for hourly-rated moves).

Read the bill of lading carefully: 

The bill of lading is a formal contract.
Before you sign it, make sure you understand whether the cost of the move is based on the time it takes to do the job, the weight of your goods, or whether it is fixed in advance in a written binding estimate (remember, you won't know the exact cost of an hourly-rated or weight-based move until the shipment is delivered or weighed).
Never sign forms that have blank sections to be filled in later by the mover.

Make sure you understand the different levels of protection available for your belongings and the limitations on the mover's liability:

Before you sign the bill of lading, ask yourself whether you want basic, intermediate, or maximum coverage for your goods.
Expensive or valuable articles should be separately listed for their full value (remember, if you want the maximum protection, you must specify the dollar amount in the valuation section of the bill of lading).

File all claims promptly and in writing with the mover. Keep a copy of your letters, payment records, and contract documents in case you have a problem with your move.
If your claim is not resolved, file a complaint with the New York State Department of Transportation. You may also request arbitration through the mover's dispute resolution program or consult with a private attorney for other assistance.
To obtain more information on movers or if you have a problem with a mover, please contact:
Taxpayer advocate services | FTB.ca.gov
Generally, we can help taxpayers whose tax issues fall into one of four main categories. Please read the case examples to see if your situation qualifies you for assistance.

 1.   Financial Hardship
 

Financial hardship may include situations that affect your ability to pay more than you earn due to circumstances beyond your control.
This may include situations when you will experience financial hardship due to FTB actions such as:

Bank levy
Wage garnishment
Lien

You may experience financial hardship as a result of circumstances in your personal life such as, not being able to:

Provide appropriate shelter for yourself or your family
Pay bills
Afford medical care

You may face adverse legal action:

From FTB (lien, seizure of property)
From another party (eviction, repossession, utility cutoff).

You may suffer significant personal costs if tax relief is not granted as a result of FTB being unable to resolve your account.

 2.   Time-based Hardship
 

 

Time-based hardships may result from issues occurring due to FTB organizational delays.

A response or resolution is not met within FTB processing time frames.
FTB actions extend your prescribed time frame that cause the delay to be extensive or unreasonable.
An internal FTB system does not function in the manner intended (withholding, processing, billing, website, etc.).

 3.   Unfair or unlawful treatment
 

 

Unfair or unlawful treatment may result when the service provided is not in the best interest of you as a taxpayer.

You claim unsatisfactory treatment by an FTB employee.
FTB may have violated your Taxpayers’ Bill of Rights.
You claim to have been unable to fully present your position during the assessment or collection process.
FTB is not following legal and judicial processes or its own administrative policies or procedures.

 4.   Tax relief
 

 

In seeking tax relief by the advocate, taxpayers may receive assistance under Revenue and Taxation Code (R&TC) Section 21004(c) based on:

Erroneous action or inaction by FTB in processing documents filed or payments made.
Unreasonable delay caused by FTB.
Credit & Lending | New York State Attorney General
Credit & Lending | New York State Attorney General

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2001 Budget Analysis:Secretary of State
2001 Budget Analysis:Secretary of State

Legislative Analyst's Office
Analysis of the 2001-02 Budget Bill


Secretary of State (0890) 
The Secretary of State (SOS), a constitutionally established office, has statutory responsibility for examining and filing financial statements and
corporate-related documents for the public record. The Secretary, as the chief elections officer, also administers and enforces election law and campaign
disclosure requirements. In addition, the SOS appoints notaries public, registers auctioneers, and manages the state's archival function.
The budget proposes total expenditures of about $78 million for the SOS in 2001-02. This is $7 million, or 8 percent, less than estimated current-year
expenditures. Expenditures from the General Fund total about $39 million, a decrease of $7 million, or 15 percent, compared to estimated current-year
expenditures.
The lower General Fund expenditures reflect the fact that less money is needed than in 2000-01 to pay for state mandated local programs, particularly those
establishing rules regarding elections. In addition to the General Fund reduction, the budget proposal also reflects a decrease in spending from the Business
Reinvestment Fund.
On the other hand, legislatively enacted changes in the schedule of business fees are expected to generate additional fee revenue. These additional resources
would be combined with previously accumulated fee revenues to finance a proposed information technology project to improve the office's business-related
filing operations.
Business Program Computer Project Unauthorized 
We withhold recommendation on a request by the Secretary of State for $7.3 million to upgrade the office's computerized systems for managing corporate
and other public records because the project has not yet been approved by the appropriate state agencies. 
The budget proposes $7.3 million from the Business Fees Fund for Phase II of the Business Programs Automation (BPA) project. This would include the
development of electronic systems for various business filing programs administered by the SOS.
Business Programs Automation. Significant problems exist in the processing of corporate and other business registration programs for which the SOS is
responsible. Those problems include inefficient processing of corporate filings and backlogs of tens of thousands of documents, difficulty in responding to
Consumer Guide to Funeral and Cemetery Purchases - Cemetery and Funeral Bureau
They do not offer funeral services and are not regulated by the Cemetery and Funeral Bureau, although they are regulated under Federal and State nonprofit laws. To find a funeral establishment, memorial society, or funeral consumer organization, ask friends and relatives for referrals, or check the phone book Yellow Pages or Internet listings.
(NOTE: Many funeral entities that use the word "society" in their names are for-profit businesses. If an organization's nonprofit status is important to you, confirm that status prior to making arrangements.)
Check License Status
To be sure that the funeral establishment, funeral director, crematory, crematory manager, private or fraternal cemetery, and private or fraternal cemetery managers are licensed by the State and in good standing, call the Department of Consumer Affairs toll-free at (800) 952-5210, TDD (800) 326-2297, or the Cemetery and Funeral Bureau office at (916) 574-7870. You can also check the license online at https://search.dca.ca.gov/?BD=22.
Compare Prices and Services
First, visit Web sites and several funeral establishments to compare services, restrictions, rules, and prices. Then, decide how much you want to spend. If you buy a casket from a retail casket seller, be sure to ask if the seller will deliver it or if you must pick it up. Also you may wish to compare prices at several cemeteries and ask about their endowment care funds and cemetery maintenance standards. (See Glossary of Terms) If a funeral establishment or cemetery is not being maintained to your satisfaction, take your business elsewhere.
Prearrangement
You may want to make your arrangements in advance but not prepay for them. Keep in mind that over time prices may go up and businesses may close or change ownership. You may also move to another location or change your arrangements. It's a good idea to review and revise your decision every few years, and you should make sure your family is aware of your wishes. Put your wishes in writing, give copies to family members and your attorney, and keep a copy in a place where it can be easily accessed.
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Convenient method for the payment of Invoices and Premium Tax remittances. Separate enrollment is required for the Invoice Payments EFT Program and Tax EFT Program.

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Market Share Reports, Consumer Complaint Study,Residential and Commercial Earthquake Insurance Coverage Study, Annual Report of the Commissioner, and More.

COIN
California Organized Investment Network (COIN) Is a Collaborative Effort Between the California Department of Insurance, the Insurance Industry, Community Affordable Housing and Economic Development Organizations, and Community Advocates.

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IDI is an effort to encourage Supplier Diversity and Governing Board Diversity within California’s insurance industry

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Prior Approval Regulations, Workers' Compensation Rate Filings, Public Notices of Rate Filings.

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Company Complaint Response Center

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Interactive database that provides information on insurers' investments in fossil fuel

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View the Climate Risk Disclosure Survey Results

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Fraud Division Overview
The Fraud Division investigates suspected fraud committed by consumers or organized criminal elements perpetrated against insurance companies.

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The Investigation Division investigates suspected fraud committed by insurance agents, brokers, public adjusters, bail agents, insurance companies and other individuals and entities transacting the business of insurance who perpetrate fraud against consumers.

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Link to CDI’s two suspected insurance fraud reporting systems – 1) Insurance Company Suspected Fraud Reporting Portal and, 2) Consumer Suspected Fraud Reporting Portal.

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Frequently Asked Questions | California Air Resources Board
If you desire copies of these forms, Government Code section 81008(a) authorizes a copying fee of ten cents ($0.10) per page and provides that the Filing Officer may charge a retrieval fee not to exceed five dollars ($5) per request for copies of forms that are five or more years old.If you need a disability-related accommodation, please ask us for assistance or contact the ADA Coordinator at (916) 323-4916. If you need assistance in a language other than English, please contact the Bilingual Coordinator at (916) 322-0473. TTY/TDD/Speech-to-Speech users may dial 7-1-1 for the California Relay Service.***************Sample Request for Records Under the California Public Records Act[Today’s Date]California Air Resources Board
Legal Office // Public Records Coordinator
P.O. Box 2815
Sacramento, California 95812Dear Sir/Madam:Under the California Public Records Act (Government Code section 6250 and following) and the California Code of Regulations (Title 17, section 91000 and following), I hereby request access to and/or copies of the following documents, which are filed with, retained by, or prepared by the California Air Resources Board (CARB):[Reasonably describe identifiable records to include facility name, location, project, company, individual, address, city, zip code, and/or the type of records required such as enforcement, staff report, etc.]Please respond within ten (10) calendar days from the date CARB receives this request as to whether this request specifies identifiable records that are not exempt from disclosure under the California Public Records Act, or are privileged or otherwise confidential, and therefore subject to disclosure. I understand that this time may be extended up to 14 days for unusual circumstances, as provided by California Government Code section 6253, subdivision (c), and that I will be notified of such extension, if any, and the reasons therefore.I understand that I may obtain copies of the requested documents at a cost of .10 cents per page.
Newsroom | Consumer Financial Protection Bureau
Financial service providers
 
 

•
 Student loans
 
 

 Press release
 
 

 Published
 
 MAY 01, 2024

CFPB Highlights the Hidden Costs of Health Savings Accounts

 The Consumer Financial Protection Bureau (CFPB) today released a report detailing the complex costs and fees that many consumers with health savings accounts are forced to pay.
 

•
 Medical debt
 
 

•
 Financial service providers
 
 

 Press release
 
 

 Published
 
 MAY 01, 2024

CFPB alerta sobre costos ocultos de cuentas para salud | CFPB

 CFPB emite reporte detallando los complejos costos y tarifas que consumidores que tienen cuentas de ahorros para gastos de salud son forzados a pagar.
 

•
 Medical debt
 
 

•
 Financial service providers
 
 

 Press release
 
 

 Published
 
 APR 30, 2024

CFPB Publishes Research Finding Higher Price Complexity Leads Consumers to Pay More

 The CFPB issued a new report that suggests consumers tend to pay more for products that have more complex pricing structures.
 

•
 Research
 
 

•
 Junk fees
 
 

 Press release
 
 

 Published
 
 APR 29, 2024

CFPB: 15 millones tienen facturas médicas en sus informes de crédito | CFPB

 CFPB publica reporte mostrando que hay 15 millones de personas que todavía tienen facturas médicas en sus informes de crédito, a pesar de cambios efectuados en sus procesos por Equifax, Experian y TransUnion.
 

•
 Debt collection
 
 

•
 Medical debt
 
 

•
 Research
 
 

•
 Credit reports and scores
 
 

•
 Access to credit
 
 

 Press release
 
 

 Published
 
 APR 29, 2024

CFPB Finds 15 Million Americans Have Medical Bills on Their Credit Reports

 The CFPB today released research showing that 15 million Americans still have medical bills on their credit reports despite changes by Equifax, Experian, and TransUnion.
 

•
 Debt collection
 
 

•
 Medical debt
 
 

•
 Research
2001 Budget Analysis:California Gambling
As of January 2001, the fifth commissioner had not been appointed. Prior to the appointments of the commissioners, the
Department of Justice's (DOJ's) Division of Gambling carried out the investigation and review of licenses and employment
applications as called for under the compacts. The commission, now that it is in operation, needs to determine the extent to which
the commissioners will assume the responsibilities for these activities. This would include, but not be limited to, the development of a
work plan that specifically identifies the duties and responsibilities of both the commission and the division.
Roles and Responsibilities Need to Be Clearly Defined. Although the commission has provided a descriptive narrative for the
organization, the roles, responsibilities, and expected workload of each unit as it relates to oversight of Indian gaming has not been
delineated. Although no historical workload data exists, the commission should develop a work plan that reflects these roles and
responsibilities and anticipated workload activities. For example, for the licensing oversight division the commission should address
the role of the unit, its specific responsibilities, and the expected activities of the staff (such as the number of licenses and
employment applications to be reviewed and licensed machines to be verified). This information would give the Legislature a
benchmark for assessing the commission's budget-year request. In addition, the commission needs to identify the specific
responsibilities of the DOJ under the compacts and explain how the commission's activities will be coordinated with the
department's. This information should be available to the Legislature for review before it approves the commission's budget.
Pending receipt and review of this information, we withhold recommendation on the commission's budget-year request.
Legislature Needs to Be Informed of the Status of Indian Gambling Activities. 
We recommend the California Gambling Control Commission report to the Legislature during the budget hearings on
the status of funds received for deposit into the Revenue Sharing Trust Fund and the Special Distribution Fund and
various other information required to conduct appropriate oversight of Indian gambling. 
Currently, there are 61 approved tribal-state compacts. These compacts lay out the legal relationship between the tribes and the
state with respect to Indian gambling.
Gaming Machines Authorized Under Compacts.
Newsroom | Internal Revenue Service
IRS alert: Beware of companies misrepresenting nutrition, wellness and general health expenses as medical care for FSAs, HSAs, HRAs and MSAs
IR-2024-65, March 6, 2024 — Amid concerns about people being misled, the Internal Revenue Service today reminded taxpayers and heath spending plan administrators that personal expenses for general health and wellness are not considered medical expenses under the tax law. 
Margie Rollinson begins work as 49th IRS Chief Counsel; first woman to permanently hold position
IR-2024-64, March 6, 2024 — Margie Rollinson took the oath of office today to become the 49th IRS Chief Counsel and the first woman to permanently hold the top legal position at the nation’s tax agency.
Tax Time Guide: Taxpayers should report digital asset transactions, gig economy income, foreign source income and assets
IR-2024-63, March 6, 2024 — The Internal Revenue Service reminds taxpayers they’re generally required to report all earned income on their tax return, including income earned from digital asset transactions, the gig economy and service industry as well as income from foreign sources.
Treasury, IRS issue guidance for the elective payment of advanced manufacturing investment credit
IR-2024-62, March 5, 2024 — The Internal Revenue Service (IRS) today issued final regulations that provide guidance for the entities choosing the elective payment for the advanced manufacturing investment credit, established by the CHIPS Act of 2022. 
Treasury, IRS finalize rules on elective payments of certain clean energy credits under the Inflation Reduction Act
IR-2024-61, March 5, 2024 — The Department of the Treasury and Internal Revenue Service issued final regulations today for applicable entities that earn certain clean energy credits and choose to make an elective payment election.
Time is running out: IRS encourages eligible non-filers in 2020 to claim their Recovery Rebate Credit before May 17 deadline
IR-2024-60, March 4, 2024 — The Internal Revenue Service today reminded those who may be entitled to the COVID-era Recovery Rebate Credit in 2020 that time is running out to file a tax return and claim their money.
Registration opens for 2024 IRS Nationwide Tax Forum; five cities to host special sessions this summer
Frequently Asked Questions | California Air Resources Board
CARB requests any person who wishes to inspect public records to telephone the Legal Office (916) 445-8286 in advance and make an appointment to inspect records. CARB’s policy is that records that are not exempt from disclosure will be open for public inspection with the least possible delay and expense to you.Is there any FEE involved?A request for a copy of an identifiable public record produced must be accompanied by payment of fees to cover the direct costs of duplication, which will be based on a fee of $.10 per standard reproduced page. Duplication of information transferred to a compact disc is $5 per CD plus $.10 per page. Other external services, such as copying video and audio cassettes, large graphs, or archived board transcripts, will be made at the direct cost to you upon your consent.What Records are not open for inspection?In balancing the public's right to access public records with the recognized individual right of privacy and the need for the CARB to be able to competently perform its duties, the Legislature has established certain categories of records which may be exempt from public disclosure.A complete list of statutory exemptions is found in the California Public Records Act, Government Code Section 6254 and following.