Real ChatGPT answer · index seedVqQ72nenClwcompleteParenting and family · family financesinformational
What federal protections exist if a lender denies our mortgage application for our first family home based on erroneous credit data?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What federal protections exist if a lender denies our mortgage application for our first family home based on erroneous credit data?
3 real searches · 1 real-search pass
site:consumerfinance.gov mortgage denied inaccurate credit report adverse action notice FCRA ECOA 60 days disputeGoogle ↗
OBSERVEDOther / navigational
site:ftc.gov Fair Credit Reporting Act dispute errors 30 days free credit report adverse action mortgageGoogle ↗
OBSERVEDOther / navigational
site:consumerfinance.gov ECOA adverse action notice 30 days specific reasons 60 daysGoogle ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
site:consumerfinance.gov mortgage denied inaccurate credit report adverse action notice FCRA ECOA 60 days dispute Google ↗
site:ftc.gov Fair Credit Reporting Act dispute errors 30 days free credit report adverse action mortgage Google ↗
site:consumerfinance.gov ECOA adverse action notice 30 days specific reasons 60 days Google ↗
- Mortgage Discrimination · consumer.ftc.gov
- What do I do if I think a lender discriminated against me? · consumerfinance.gov
- What if I disagree with the results of my credit report dispute? · consumerfinance.gov
- Fair Credit Reporting Act · ftc.gov
- CFPB – Submit a consumer complaint · consumerfinance.gov
- Annual Credit Report – Obtain credit reports · annualcreditreport.com
- FTC – Disputing credit report errors · consumer.ftc.gov
- HUD – Fair Housing protections · hud.gov
- How long does it take to repair an error on a credit report? · consumerfinance.gov
- How do I dispute an error on my credit report? · consumerfinance.gov
- Consumer reporting companies · consumerfinance.gov
- What can I do if my credit application was denied because of my credit report? · consumerfinance.gov
- § 1002.9 Notifications. · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
site:consumerfinance.gov mortgage denied inaccurate credit report adverse action notice FCRA ECOA 60 days dispute OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:ftc.gov Fair Credit Reporting Act dispute errors 30 days free credit report adverse action mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:consumerfinance.gov ECOA adverse action notice 30 days specific reasons 60 days OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |