How do I dispute a denied personal loan decision if I believe the automated system did not count my retirement account distributions correctly
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I dispute a denied personal loan decision if I believe the automated system did not count my retirement account distributions correctly
3 real searches · 1 real-search pass
CFPB denied credit application adverse action notice specific reasons automated underwriting ECOA retirement income distributions personal loanGoogle ↗
OBSERVED
Regulation B 12 CFR 1002.9 adverse action notice reasons request 60 days CFPBGoogle ↗
OBSERVED
CFPB submit complaint personal loan denied credit inaccurate income informationGoogle ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB denied credit application adverse action notice specific reasons automated underwriting ECOA retirement income distributions personal loan Google ↗
Regulation B 12 CFR 1002.9 adverse action notice reasons request 60 days CFPB Google ↗
CFPB submit complaint personal loan denied credit inaccurate income information Google ↗
- Consumer Financial Protection Circular 2022-03: Adverse action notification requirements in connection with credit decisions based on complex algorithms · consumerfinance.gov
- Is a lender allowed to consider my age or where my income comes from when deciding whether to give me a loan? · consumerfinance.gov
- § 1002.9 Notifications. · consumerfinance.gov
- What can I do if my credit application was denied because of my credit report? · consumerfinance.gov
- CFPB Submit a Complaint · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB denied credit application adverse action notice specific reasons automated underwriting ECOA retirement income distributions personal loan OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Regulation B 12 CFR 1002.9 adverse action notice reasons request 60 days CFPB OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB submit complaint personal loan denied credit inaccurate income information OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |