Product: Student loan

XXXX XXXX, XXXX, XXXX XX/XX/XXXX Email : XXXX Alternate Email : XXXX. 
Home Address : XXXX XXXX XXXX, XXXX PA, XXXX Name : Office of the Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX, Director of the Consumer Protection Bureau Address : XXXX XXXX XXXX, Washington, DC XXXX Dear XXXX XXXX, I am filing a second complaint regarding my contract agreement with Sallie Mae Inc due to the following : Based upon the 1914 Federal Trade Commission Act - Section 5, I am regretfully submitting a formal complaint to be undertaken based on the unforeseeable imminent risks that have been imposed by the lender, Sallie Mae Inc. The identifiable risks could pose substantial harm such as financial hardship leading to poverty based for myself and especially for my co- signer XXXX XXXX XXXX based on her declining mental capacity, declining health, and overall declining well-being. The following sections of the FTCA highlight my own experience of the lenders history of repeated patterns of financial misconduct such as repeated patterns of : o Unfair and deceptive acts o Deceptive acts and practices o Untruths in lending acts o Unmanageable risks related to unfair or deceptive acts or practice. 
______________________________________________________ Furthermore, services that were provided from Sallie Mae Inc were totally inadequate due to their repeated deceptive, abusive, and predatory practices which are significantly likely to put myself and my co-signer at high risk for financial exploitation. In addition, without reasonable doubt, I have been treated unfairly and unethically simply because this lender has repeatedly demonstrated non-compliance with the 1914 FTCA due to their predatory commercial practices which would strongly suggest that there is a definite likelihood of harm, which would make me and my co-signer highly vulnerable to risks such as financial exploitation due to her age, health, and declining mental capacity. Overall, based on these findings, I have requested a safeguarding protection petition and a risk assessment through the Older Adults Protective Services ACT. 
______________________________________________________ FTC Safeguard Rule 2023 In addition, I am filing a complaint regarding the FTC Safeguard Rule 2023 based on the identifiable data and document alterations such as the following : Falsifying Consumer Records Unsecured Data Data Alteration XXXX Data Security Breach Payment Inaccuracies Altering & Adding Consumer Rates Adding variable rates w/out consent Breach of Contract Coercive & Misleading Behaviour ( e.g., Collections Manager offering to lowering my rates in return for over payments ). 
______________________________________________________ ** Please note, I have attached my complaint report that has been reported to the following : *Enclosures : XXXX XXXX Older Adult Protective Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Office of the Attorney General Bureau of Senior Protection Unit XXXX 
US Department of Health and Human Services/Office of Inspector General US Justice Department US Representative XXXX XXXX XXXX 17th Congressional District of Pennsylvania US Senator XXXX XXXX XXXX XXXX of Pennsylvania US Senator XXXX XXXX XXXX of Massachusetts  US Senator XXXX XXXX XXXX of Pennsylvania XXXX_ Also, please note, I have attached the formal complaint due to the limited data space along with supportive documentation. 

Best Regards XXXX XXXX