vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Mortgage performance trends | Consumer Financial Protection Bureau
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(855) 411-2372

Mortgage performance trends
 
 

Data on mortgage delinquency rates help us understand the health of the mortgage market and the overall economy.

Mortgages 30–89 days delinquentThe 30–89 day mortgage delinquency rate can be an early indicator of mortgage market health. Our interactive charts and maps show how it has changed since 2008.Explore 30–89 day delinquency dataMortgages 90 or more days delinquentThe 90–day mortgage delinquency rate can reveal more severe economic distress. Our interactive charts and maps show how it has changed since 2008.Explore 90–day delinquency data

Download the data

These data files—aggregated by state, metro and non-metro areas, and county—power our charts and maps.

 
 View recent and archived data
 
 

About the data

These data are based on a nationally representative 5 percent sample of closed-end, first-lien, 1–4 family residential mortgages. 

 
 Learn about the data set
 
 

 How we protect privacy
 

The Mortgage Performance Trends data have many protections in place to protect personal identity. Before the CFPB or the FHFA receive any credit data, all records are stripped of information that might reveal a consumer’s identity, such as names, addresses, and Social Security numbers.

 Additional resources
 

 
 National Mortgage Database project page
Simplified Procedures to Transfer an Estate - probate_selfhelp
If the total value of these assets is $166,250 or less and 40 days have passed since the death, you can transfer personal property by writing an affidavit. There is a special form for this that you can get from most banks and lawyers. Your court’s self-help center may also have this form or a sample you can use to guide you.
To use to Affidavit process:
1. Fill out the Affidavit.
Many banks and other institutions have their own affidavit. So, check with them first and ask for one. Your court's self-help center may also have this form or click for a sample form you may be able to use.

You can list all assets in one affidavit. Or you can do one affidavit for each asset.

2. Attach (to the affidavit):

A certified copy of the death certificate of the person who died.
Proof that the person who died owned the property (like a bank passbook, storage receipt, stock certificate).
Proof of your identity (like a driver's license or passport)
An Inventory and Appraisal (form DE-160) of all real property owned by the decedent in California.  You will need to get this form signed by a probate referee.  If there is no real property, then you do not need this form.

3. Have the affidavit notarized.
Legally, you are not required to have the affidavit notarized BUT many institutions will ask you to, so it is a good idea to notarize it before you try to use it to transfer the property.
4. If there are other people entitled to inherit the property, they MUST also sign the affidavit.
This shows you all agree that the property listed on your affidavit can be transferred to you.
5. To have the property transferred to you, give the affidavit to the person, company, or bank that has the property now.

NOTE: Make sure the case is not already in probate court.
Internal Revenue Bulletin: 2008-12 | Internal Revenue Service
The removal will not affect the validity of any certification provided with respect to a manufactured home on or before the effective date of removal from the published list. Generally, notice that software is being removed from the published list will be provided at the site specified in section 6.01 of this notice at least sixty (60) days before the effective date of the removal. .07 Public Availability of Information. RESNET may make available for public review any information provided to it under section 6.02 of this notice. SECTION 7. SALES TO DEALERS .01 In General. In the case of a manufactured home sold by an eligible contractor to a dealer of manufactured homes, the eligible contractor may rely on a statement by the dealer to establish the date on which a manufactured home is acquired, that it is located in the United States, and that it is acquired for use as a residence. An eligible contractor is not required to file the statement with the return on which the credit is claimed. However, § 1.6001-1(a) of the Income Tax Regulations requires that taxpayers maintain such books and records as are sufficient to establish the entitlement to, and amount of, any credit claimed by the taxpayer. Accordingly, an eligible contractor claiming a credit under § 45L should retain the statement as part of its records to satisfy this requirement, and is not entitled to rely on the statement unless the statement is so retained. .02 Content of Statement. The eligible contractor may not rely on the statement by the dealer unless the statement specifies the date of the retail sale of the manufactured home, that the dealer delivered the manufactured home to the purchaser at an address in the United States, and that the dealer has no knowledge of any information suggesting that the purchaser will use the manufactured home other than as a residence. The statement must also contain the following information: (1) The name, address, and telephone number of the dealer. (2) A declaration, applicable to the statement made by the dealer and any accompanying documents, signed by a person currently authorized to bind the dealer in such matters, in the following form: “Under penalties of perjury, I declare that, to the best of my knowledge and belief, the facts presented with respect to this sale transaction are true, correct, and complete.” SECTION 8.
Time You Can Claim a Credit or Refund | Internal Revenue Service
OverviewINFORMATION FOR…IndividualsBusiness & Self EmployedCharities and NonprofitsInternational TaxpayersFederal State and Local GovernmentsIndian Tribal GovernmentsTax Exempt BondsFILING FOR INDIVIDUALSHow to FileWhen to FileWhere to FileUpdate Your InformationPOPULARGet Your Tax RecordApply for an Employer ID Number (EIN)Check Your Amended Return StatusGet an Identity Protection PIN (IP PIN)File Your Taxes for Free

Pay

OverviewPAY BYBank Account (Direct Pay)Payment Plan (Installment Agreement)Electronic Federal Tax Payment System (EFTPS)POPULARYour Online AccountTax Withholding EstimatorEstimated TaxesPenalties

Refunds

OverviewWhere's My RefundWhat to ExpectDirect DepositReduced RefundsAmend Return

Credits & Deductions

OverviewINFORMATION FOR...IndividualsBusinesses & Self-EmployedPOPULAREarned Income Credit (EITC)Child Tax CreditClean Energy and Vehicle CreditsStandard DeductionRetirement Plans

Forms & Instructions

OverviewPOPULAR FORMS & INSTRUCTIONSForm 1040Form 1040 InstructionsForm W-9Form 4506-TForm W-4Form 941Form W-2Form 9465POPULAR FOR TAX PROSForm 1040-XForm 2848Form W-7Circular 230

Main navigation mobile

File

Overview

INFORMATION FOR…

Individuals

Business & Self Employed

Charities and Nonprofits

International Taxpayers

Federal State and Local Governments

Indian Tribal Governments

Tax Exempt Bonds

FILING FOR INDIVIDUALS

How to File

When to File

Where to File

Update Your Information

POPULAR

Get Your Tax Record

Apply for an Employer ID Number (EIN)

Check Your Amended Return Status

Get an Identity Protection PIN (IP PIN)

File Your Taxes for Free

Pay

Overview

PAY BY

Bank Account (Direct Pay)

Payment Plan (Installment Agreement)

Electronic Federal Tax Payment System (EFTPS)

POPULAR

Your Online Account

Tax Withholding Estimator

Estimated Taxes

Penalties

Refunds

Overview

Where's My Refund

What to Expect
No Fear Act
00

Other
02

Back to Top
Complaint Activity

Processing TimeSec 1614.704(f) the average length of time it has taken an agency to complete, respectively, investigation and final action for:
FY 2015 thru 09/30

Complaints pending (for any length of time) during fiscal year

Average number of days in investigation stage
100

Average number of days in final action stage
292

Complaints pending (for any length of time) during fiscal year where hearing was requested

Average number of days in investigation stage
88

Average number of days in final action stage(average days processing time)
64

Complaints pending (for any length of time) during fiscal year where hearing was not requested

Average number of days in investigation stage
93

Average number of days in final action stage
519

Complaints dismissed by Agency

Total Complaints Dismissed by Agency
5

Average days pending prior to dismissal
230

Complaints Withdrawn by Complainants

Total complaints Withdrawn by Complainants
04

Complaint Activity

Total Final Actions Finding Discrimination (Sec. 1614.704(i))
FY 2015 thru09/30

#
%

Total Number of findings
00
00

a. Without a hearing
00
00

b. With a hearing
00
00

Back to Top
Complaint Activity

Findings of discrimination Rendered by Basis Note: complaints can be filed alleging multiple bases. The sum of the bases may not equal total complaints filed
FY 2015 thru09/30

#
%

Total Number of findings
00
00

Race
00
00

Color
00
00

Religion
00
00

Reprisal
00
00

Sex
00
00

National Origin
00
00

Equal Pay Act
00
00

Age
00
00

Disability
00
00

Non-EEO
00
00

Findings After Hearing
00
00

Race
00
IRS Employee Retention Credit compliance effort tops $1 billion threshold since fall; Voluntary Disclosure Program suspended after March 22, special withdrawal program remains open as audits, investigations intensify | Internal Revenue Service
Tax Pros

File

OverviewINFORMATION FOR…IndividualsBusiness & Self EmployedCharities and NonprofitsInternational TaxpayersFederal State and Local GovernmentsIndian Tribal GovernmentsTax Exempt BondsFILING FOR INDIVIDUALSHow to FileWhen to FileWhere to FileUpdate Your InformationPOPULARGet Your Tax RecordApply for an Employer ID Number (EIN)Check Your Amended Return StatusGet an Identity Protection PIN (IP PIN)File Your Taxes for Free

Pay

OverviewPAY BYBank Account (Direct Pay)Payment Plan (Installment Agreement)Electronic Federal Tax Payment System (EFTPS)POPULARYour Online AccountTax Withholding EstimatorEstimated TaxesPenalties

Refunds

OverviewWhere's My RefundWhat to ExpectDirect DepositReduced RefundsAmend Return

Credits & Deductions

OverviewINFORMATION FOR...IndividualsBusinesses & Self-EmployedPOPULAREarned Income Credit (EITC)Child Tax CreditClean Energy and Vehicle CreditsStandard DeductionRetirement Plans

Forms & Instructions

OverviewPOPULAR FORMS & INSTRUCTIONSForm 1040Form 1040 InstructionsForm W-9Form 4506-TForm W-4Form 941Form W-2Form 9465POPULAR FOR TAX PROSForm 1040-XForm 2848Form W-7Circular 230

Main navigation mobile

File

Overview

INFORMATION FOR…

Individuals

Business & Self Employed

Charities and Nonprofits

International Taxpayers

Federal State and Local Governments

Indian Tribal Governments

Tax Exempt Bonds

FILING FOR INDIVIDUALS

How to File

When to File

Where to File

Update Your Information

POPULAR

Get Your Tax Record

Apply for an Employer ID Number (EIN)

Check Your Amended Return Status

Get an Identity Protection PIN (IP PIN)

File Your Taxes for Free

Pay

Overview

PAY BY

Bank Account (Direct Pay)

Payment Plan (Installment Agreement)

Electronic Federal Tax Payment System (EFTPS)

POPULAR

Your Online Account
File for Unemployment – Overview
Have this important information ready as you prepare to file for unemployment.

Register and Create an Account
Information You Need to File a Claim
File a Claim
What to Expect After You File a Claim

Reopen a Claim
If you had an active claim and stopped certifying for continued benefits, you can reopen an unemployment insurance claim if it was filed within the last 52 weeks and you have not exhausted your benefits.

How to Reopen an Inactive Claim
What to Expect After You Reopen Your Claim

Save Time. Apply Online.
Once you register and create an account, file for unemployment online with UI OnlineSM.

 Certify
 

Receive Your Benefits
Certifying for unemployment insurance benefits is a critical step to receive your benefit payments. You certify for benefits by providing us your eligibility every two weeks.

Ways to Certify for Benefits
Questions Asked to Certify Benefits
Prepare for Phone Interview
Report Work and Wages
Register for CalJOBSSM

Certify with UI Online
Register and create an account with myEDD. You can access your UI Online account to certify for benefits.

 Manage
 

Your Account
Manage your unemployment insurance at all stages of your claim. Understand your role and responsibilities in making sure that certifying your benefits is reported accurately, and that you receive the correct amount.

Receive Your Benefit Payments | Debit Card
Appeal a Benefit Decision
Manage a Benefit Overpayment | UI OnlineSM
Help Fight Fraud
Overpayment Withholdings: Tax Refund or Lottery Winnings
Report School or Training
Get Tax Form 1099G for Your Federal Tax Return

Register and Create an Account

Creating an account is an important step as soon as you qualify for unemployment benefits.
With this account, you can apply for unemployment benefits, reopen an existing claim, and manage a claim.

 Create Account
 

 Log In
 

How to Apply for Unemployment

Find out if you're eligible for unemployment benefits and learn how to apply.

 View Guide
 

Additional Resources

Can’t find what you're looking for? View these resources for more information.

Quick Links
How to File a Disability Insurance Claim in SDI Online
Your claim will not be processed until we receive both your part and the medical certification. You must submit your completed claim within this timeframe:

Wait nine days after your disability starts to file your claim.
File your claim within 49 days of your disability start date to avoid disqualification.

Do not submit the same claim more than once. This will delay your claim.
What to Expect Once Your Claim Is Submitted
Once your licensed health professional submits your medical certification to us, you have successfully filed your DI claim. We will contact you with the status of your claim, usually within 14 days.
Your employer will be notified that you have submitted a DI claim. However, medical information is confidential and will not be shared with your employer.

Helpful Resources

For more information on how to file a DI claim, view these helpful resources:

Claimant Tutorials 
Disability Insurance Claim Process
Filing a DI Claim Using SDI Online (YouTube) (English) | (Spanish)

Register for myEDD

Creating an account is an important step in this process. With myEDD, you can apply for Disability Insurance and manage your claim in SDI Online.

 Create Account
 

 Log In
 

Find DI Information for You

Physicians/Practitioners
State Employees
Employers and Self-Employed/Independent Contractor
Employers/Employees of Voluntary Plan

Additional Resources

Can’t find what you are looking for? View these DI and PFL resources for more information.

Quick Links
SDI FAQs
Forms and Publications
Tutorials and Videos
Self-Service Options
Contact SDI

Skip to Virtual Chat

Ask EDD
Online Services

Forms and Publications
Labor Market Information

Office Locator
Información general en español

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 State of California
 

 

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Everything You Need to Know About UI Online
All customers who file a new unemployment claim will receive an Employment Development Department Customer Account Number Notification (DE 5614) letter within 10 business days of filing.
If you have lost, misplaced, or never received your EDD Customer Account Number, contact the EDD:

Online: Go to Ask EDD and select the category Unemployment Insurance Benefits, the subcategory UI Online (UIO), and the topic EDD Customer Account Number. Select Continue at the bottom of the page to begin the process of submitting your message.
By Phone: Call 1-800-300-5616 from 8 a.m. to 5 p.m. (Pacific time), Monday through Friday.

How do I register for UI Online?

Log in to myEDD and select UI Online to get started.

What is myEDD?

Using a single and secure login, myEDD allows you to access UI Online, SDI Online, and Benefit Overpayment Services.

Why can’t I register for UI Online?

You must have a myEDD account, an active unemployment claim, and received your EDD Customer Account Number in order to register for a UI Online account.

Certify for Benefits

How do I certify for benefits using UI Online?

Log in to myEDD and select UI Online to get started. Then select Certify for Benefits from the main menu. Most customers certify for continuing benefits two weeks at a time. If you have multiple weeks that need to be certified, you’ll start with the oldest week first. You can only certify for two weeks at a time regardless of the number of weeks available. You must answer all of the certification questions. They are the same questions as on the paper Continued Claim Form (DE 4581).
After you have provided a response to all questions, you will receive a confirmation number to indicate that your certification was properly submitted. Be sure to keep a record of your confirmation number. For more information, visit Certify for Benefits.

How do I know if I have weeks available to certify for benefits?
How to File a Disability Insurance Claim in SDI Online
You will be directed to your SDI Online Registration Options. Select the customer type that fits you and follow the instructions given.
Important: You will need to complete the identity verification process through ID.me before you can finish setting up a new SDI Online account to file your claim.
Next, fill out the requested information to complete your SDI Online account registration.
You will be assigned an EDD Customer Account Number once you complete the registration process. You will also receive a registration confirmation by email and mail.

Step 4: File Your DI Claim Online

To file your claim online, follow these steps:

Log in to your myEDD account.
Select SDI Online.
Select New Claim.
Select Disability Insuranceand follow the steps in each section.
Submit the completed Part A – Claimant’s Statement.
Save your receipt number. You must provide this number to your licensed health professional.

You must submit your DI claim within this timeframe:

Wait nine days after your disability starts to file your claim.
File your claim within 49 days of your disability start date to avoid disqualification.

Note: We may need to send you some documents by mail, even if you select electronic communications as your preference.

Step 5: Get Your licensed health professional to Complete the Medical Certification

After your claim has been received, your licensed health professional can find your claim in SDI Online using your form receipt number.
It is your responsibility to have your licensed health professional submit the completed and signed certification form no later than 49 days after your disability begins or you may lose benefits.
Talk to your licensed health professional about their process for submitting a DI claim (they do not all follow the same steps or procedures).
Your claim will not be processed until we receive both your part and the medical certification. You must submit your completed claim within this timeframe:

Wait nine days after your disability starts to file your claim.
File your claim within 49 days of your disability start date to avoid disqualification.

Do not submit the same claim more than once. This will delay your claim.
What to Expect Once Your Claim Is Submitted
Once your licensed health professional submits your medical certification to us, you have successfully filed your DI claim.
IRS Employee Retention Credit compliance effort tops $1 billion threshold since fall; Voluntary Disclosure Program suspended after March 22, special withdrawal program remains open as audits, investigations intensify | Internal Revenue Service
Promoter investigations: The IRS is gathering information about suspected abusive tax promoters and preparers improperly promoting the ability to claim the ERC. The IRS’s Office of Promoter Investigations has received hundreds of referrals from internal and external sources. The IRS will continue civil and criminal enforcement efforts of these unscrupulous promoters and preparers.
Criminal investigations: As of Feb. 29, 2024, IRS Criminal Investigation has initiated more than 386 criminal cases, with claims worth almost $3 billion. Twenty-five investigations have resulted in federal charges, with 12 convictions and six sentencings with an average sentence of 24 months. 
Processing moratorium on new claims continues into the late spring
On Sept. 14, 2023, amid concerns about aggressive ERC marketing, the IRS announced a moratorium on processing new claims. A specific resumption date hasn’t been determined but, at this point, the IRS anticipates it will be sometime in the late spring.
This pause will help the IRS review the ERC inventory with strong, new measures of scrutiny in place. During the upcoming months, the IRS plans to complete the transcription of amended paper returns with the help of digitalization and deploy new risk analysis strategies to identify additional compliance work.
Deploying these new risk analysis strategies is necessary before the IRS will resume processing of claims submitted after the September 14 moratorium.
In the meantime, the IRS continues to process ERC claims submitted before the moratorium, but with more scrutiny and at a much slower rate than before the agency’s approach changed last year.
Help for businesses that may have been misled on ERC
Some promoters told taxpayers every employer qualifies for ERC. The IRS and the tax professional community emphasize that this is not true. Eligibility depends on specific facts and circumstances. The IRS has dozens of resources to help people learn about and check ERC eligibility and businesses can also consult their trusted tax professional. Key IRS materials include:
ERC Eligibility Checklist (interactive version and a printable guidePDF) includes cautions about common areas of misinformation and links to facts and examples.