THE BENEFITS OF
LARGE LANGUAGE MODELS
FOR DOCUMENT
CLASSIFICATION

When I discovered my credit score dropping in XX/XX/2020 I requested a free report from XXXX. I discovered the reporting by Mercedes-Benz Financial Services USA LLC (MBFS) has issues. On or about XX/XX/2020, I filed a dispute with XXXX and contacted MBFS disputing its negative payment rating. During that communication with MBFS, representative XXXX XXXX admitted MBFS erroneously reported negative history concerning my account to credit reporting agencies and volunteered that MBFS was aware that it had made the error with my account and the accounts of other customers.

We are conditioned to accept that standing up for oneself is a time consuming and ultimately futile act in which drains already limited time and energy. We are stopped in our tracks by fine print in agreement that we had no choice but to sign. Sign this or don’t go to school to better your life is not a choice. There is no shopping around for the best contract for those of us with few financial resources.

Capital One sent me a letter stating that the contact information used to open the account has been linked to me by public records. That is verification not validation, and that only means that this alleged account could have been opened by anyone. Capital One also sent over bank statements and an alleged charge that they assume was made by me, and that is also not validation. Anyone could have made those charges. Pursuant to 1692g no court nor debt collector can validate any debt, they can only assume that the alleged debt is valid. A belief or an assumption is not validation. Only I, the consumer who is a natural person, and the original creditor can validate this alleged debt. I do not validate this alleged debt, this alleged debt does not belong to me.