We got hit with a huge escrow shortage bill from Flagstar Bank today and I want to know if they are legally allowed to spike our monthly payment by four hundred dollars.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
We got hit with a huge escrow shortage bill from Flagstar Bank today and I want to know if they are legally allowed to spike our monthly payment by four hundred dollars.
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB Regulation X 12 CFR 1024.17 escrow shortage repayment 12 months cushion one-sixth annual disbursements Google ↗
Flagstar Bank escrow shortage annual escrow analysis payment increase complaint options CFPB Google ↗
- § 1024.17 Escrow accounts. · consumerfinance.gov
- § 1024.17 12 CFR Ch. X (1–1–26 Edition) of the d · govinfo.gov
- Escrow Shortage & Surplus · myloansflagstar.com
- Consumer Financial Protection Bureau · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB Regulation X 12 CFR 1024.17 escrow shortage repayment 12 months cushion one-sixth annual disbursements OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Flagstar Bank escrow shortage annual escrow analysis payment increase complaint options CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |