{"took":67,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":238,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6570757","_score":20.61603,"_source":{"product":"Debt collection","complaint_what_happened":"I received an offer letter from the XXXX XXXX  XXXX XXXX XXXX XXXX in physiology in XXXX and contracted XXXX XXXX XXXX XXXX XXXX XXXXXXXX back in Summer XXXX which spread to my various organ systems and advised the XXXX  registrars office of my request to pursue a medical health related program withdrawal in XXXX XXXX XXXX  and provided verified doctors notes to confirm my absence from the program. The XXXX registrars office, program leadership team, and the XXXX program director remained grossly negligent and never responded or provided the necessary paperwork for a program withdrawal and I never received a response from the XXXX  office regarding my program withdrawal confirmation. I received an anomalous, erroneous {$7600.00} Spring XXXX personal bill from XXXX in XXXX XXXX months after I withdrew from the XXXX  XXXX program and left the campus for classes that I never registered for or completed. I would appreciate it if you could kindly null and void the erroneous {$7600.00} bill and refund the Fall XXXX and Spring XXXX tuition amounts ( Federal Direct Grad Plus loan paid in the Fall XXXX ( {$31000.00} ) and Spring XXXX ( {$25000.00} ) semesters + Federal direct unsubsidized loan of {$10000.00} ) back to the government. I have attached the erroneous XXXX  Spring XXXX bill and my personal request to withdraw from the XXXX  XXXX graduate program in XX/XX/XXXX due to chronic health issues in the files below for your review. The school manipulated me and forced me to stay in the program despite chronic health issues and never responded when I initially requested for a medical/health related program withdrawal at the beginning of the Fall XXXX semester. I was denied the opportunity to receive program withdrawal paperwork and the school remained grossly negligent to my request for months. Subsequently, the school recently threatened me with collection attempts starting from XX/XX/XXXX onwards months after I withdrew from the program for degree coursework that I never registered for or completed. I never received a degree from XXXX nor graduated. Kindly ensure that the below attached bill is voided and that my full XXXX academic year tuition loan amounts are returned back to the federal government. I would appreciate your kind consideration of my request. I have attached my supporting documents in the files below. Thank you.","date_sent_to_company":"2023-02-14T10:50:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6570757","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Reliant Capital Solutions, LLC","date_received":"2023-02-14T10:07:55.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Kindly ensure that the below attached bill is voided and that my full XXXX academic year tuition loan amounts are returned back to the <em>federal</em> government. I would appreciate your kind consideration of my request. I have attached my <em>supporting</em> documents in the files below. Thank you."]},"sort":[20.61603,"6570757"]},{"_index":"complaint-public-v1","_id":"19679744","_score":17.1769,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am submitting this correspondence as a formal demand for review, correction, and determination of my eligibility for federal student loan forgiveness based on more than XXXX ( XXXX ) years of qualifying public service employment and XXXX XXXX XXXX \n\nFor over a decade, I have been employed as an educator serving students in public, private, and charter school settings. My roles required direct instructional service, student support, and community engagement consistent with qualifying employment under federal forgiveness programs, including but not limited to Public Service Loan Forgiveness ( PSLF ) and Teacher Loan Forgiveness. \n\nIn addition, I have served as a frontline pharmacy professional, operating in a healthcare capacity recognized as essential public service work. During public health emergencies and routine operations alike, I provided direct patient care support, medication access services, and health education to the community. Such service aligns with the statutory intent of federal student loan forgiveness programs designed to incentivize and protect individuals serving in education and healthcare fields. \n\nPursuant to federal student loan regulations and consumer protection laws, I am requesting : 1. A complete audit of my loan history, including a verified count of qualifying payments.\n\n2. Written confirmation of all employment periods credited toward forgiveness.\n\n3. Identification of any denied or excluded qualifying months, including the legal basis for exclusion.\n\n4. Immediate correction of any misapplied payments, misclassification of employment, or administrative errors.\n\n5. Written clarification of any additional documentation required to finalize discharge eligibility.\n\nIf my qualifying service has been improperly excluded, miscounted, or denied without lawful basis, I request prompt correction. Any failure to accurately apply statutory forgiveness criteria may constitute administrative error and potential noncompliance with federal servicing standards. \n\nI am prepared to provide employment certification forms, W-2 documentation, contracts, supervisor attestations, and any additional records necessary to substantiate my qualifying service. However, I expect a transparent accounting and written explanation of your determination. \n\nPlease treat this letter as a formal request for investigation and written response. I respectfully request confirmation of receipt and a detailed response within a reasonable timeframe consistent with regulatory requirements. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2026-02-21T14:02:49.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Student loan debt relief","zip_code":"32835","tags":null,"has_narrative":true,"complaint_id":"19679744","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2026-02-21T13:55:09.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["During public <em>health</em> emergencies and routine operations alike, I provided direct patient care <em>support</em>, medication access services, and <em>health</em> education to the community. Such service aligns with the statutory intent of <em>federal</em> student loan forgiveness <em>programs</em> designed to incentivize and protect individuals serving in education and healthcare fields. \n\nPursuant to <em>federal</em> student loan regulations and consumer protection laws, I am requesting : 1."],"company":["Servicer under contract with <em>Federal</em> Student Aid"]},"sort":[17.1769,"19679744"]},{"_index":"complaint-public-v1","_id":"1792085","_score":15.211109,"_source":{"product":"Student loan","complaint_what_happened":"I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.","date_sent_to_company":"2016-02-18T03:01:49.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"94061","tags":null,"has_narrative":true,"complaint_id":"1792085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-02-18T03:01:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about my loan"},"highlight":{"complaint_what_happened":["Since then I have gone through many life changes and had struggled with my <em>health</em> and attempting to move forward with my career. After failing to sustain a living with my <em>health</em> interfering in living a productive life, I decided to apply for XXXX with the <em>federal</em> loan <em>program</em> XXXX. Once I received a <em>federal</em> XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX )."],"sub_product":["Non-<em>federal</em> student loan"]},"sort":[15.211109,"1792085"]},{"_index":"complaint-public-v1","_id":"8151731","_score":15.149781,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Department of Education Aidvantage has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. FERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. I DID NOT GIVE THE DEPT OF AIDVANTAGE WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. They are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.","date_sent_to_company":"2024-01-12T05:04:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29483","tags":null,"has_narrative":true,"complaint_id":"8151731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-01-12T04:58:48.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FERPA is a <em>Federal</em> law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable <em>program</em> of the U.S."],"company":["Maximus <em>Federal</em> Services, Inc."]},"sort":[15.149781,"8151731"]},{"_index":"complaint-public-v1","_id":"8150874","_score":15.107234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Department of Education Nelnet has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. \n\nFERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. \n\n20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.\n\nI DID NOT GIVE THE DEPT OF NELNET WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. \n\nThey are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.","date_sent_to_company":"2024-01-12T04:57:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29483","tags":null,"has_narrative":true,"complaint_id":"8150874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-01-12T04:23:51.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["FERPA is a <em>Federal</em> law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable <em>program</em> of the U.S."]},"sort":[15.107234,"8150874"]},{"_index":"complaint-public-v1","_id":"10372504","_score":13.8331785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* XXXX XXXX CHILD SUPPORT SERVICES ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX WHICH ON MY CREDIT REPORTING PROFILE CHILD SUPPORT SERVICES ADDRESS IS NOT ACCURATE- IT IS MY BELIEF AND INFORMATION THAT THIS CHILD SUPPORT ORDER AND DEMAND FOR PAYMENT IS A RUSH TO JUDGMENT INTO A DEFAULT JUDGMENT AND BOTH ARE A VIOLATION ON MY CONSTITUTIONALLY PROTECTED RIGHTS. PLEASE VALIDATE THIS CLAIMED SIGNED BY A MAN OR WOMAN UNDER PENALTY OF PERJURY. \nBY : XXXX : XXXX FOR : XXXX XXXX XXXX XXXX  IN FACT XX/XX/XXXX CALIFORNIA FAMILY CODE CUSTODY OF CHILDREN DEFINITIONS AND GENERAL PROVISIONS Family Code Section 3010 ( a ) The mother of an unemancipated minor child and the father, if presumed to be the father under Section 7611, are equally entitled to the custody of the child.\n\nTHIS PROVISION CLEARLY STATED MOTHER AND FATHER OF A CHILD HAVE EQUAL RIGHTS. NOTHING IN THIS PROVISION SAID COSTODIAL PARENT, VISITATION, OR THE MOTHER HAVE MORE RIGHTS THAN THE FATHER OR VICE VERSA IT SAID EQUAL RIGHTS. \n\nCIVILIAN DUE PROCESS WAS NEVER GIVEN TO ME, A JUDICIAL PROCEEDING WAS NOT OFFER, ADMINISTRATIVE HEARING DOES NOT SUPERSEDES A JUDICIAL ORDER WHICH IS A VIOLATION TO MY 14TH AMENDMENT PROTECTRD RIGHT. \n\nI ALSO HAVE TO THE RIGHT TO FACE MY ACCUSER IF I INJURE OR HARM SOME ONE. I AM BEING LIABLE FOR AN ALEDGE CRIME I NEVER COMMITTED BECAUSE THERE IS NO VICTIM. \n\nXXXX XXXX XXXX XXXX XXXX. SECTION XXXX - THE COURT FIND THAT THE XXXX IS UNCONSTITUTIONAL. \n\nXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX, XXXX, ARIZONA DEPARTMENT OF ECONOMIC SECURITY v. FREESTONE ET AL. \n\nXXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX  XXXX  No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, five Arizona mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the XXXX of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the XXXX XXXX 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services XXXX XXXX ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements. \n\nHeld : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. \n\n( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( XXXX ) whether the plaintiff is an intended beneficiary of the statute ; ( XXXX ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if Congress specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. \n\n( b ) Respondents have not established that Title IV-D gives them individually enforceable federal rights. In prior cases, the Court has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with Title IV-D in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a State 's Title IV-D program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the XXXX XXXX did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 331 Full Text of Opinion Show Less Opinions Opinions & Dissents Hear Opinion Announcement - XX/XX/XXXX XXXX TERM, XXXX XXXX  XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ET AL. \nXXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX XXXX No. XXXX. Argued XX/XX/XXXX, 1997-Decided XX/XX/XXXX Respondents, five Arizona mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the XXXX of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the XXXX achieve \" substantial compliance '' with XXXX XXXX. It also disagreed with the XXXX XXXX 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services XXXX XXXX ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements. \nHeld : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. \n\nXXXX XXXX CHILD SUPPORT SERVICES BEEN DEFRAUDING ME SINCE XXXX. LEVY MY BANK ACCOUNT, GARNISHING MY WAGES, ENFORCE HOLD ON MY LIFE XXXX DRIVERS LICENSE AND PASSPORT WITHOUT MY CONSENT. I DO NOT WISH TO VOLUNTARILY BE APART OF NO CHILD SUPPORT SERVICE CASE IN MY ALL CAP NAME XXXX XXXX XXXX. \nTHIS IS EXTRINSIC FRAUD","date_sent_to_company":"2024-10-07T17:52:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10372504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-07T17:52:37.000Z","state":null,"company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It also disagreed with the XXXX XXXX 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of <em>Health</em> and Human Services XXXX XXXX ) to audit and cut off funds to States whose <em>programs</em> do not substantially comply with Title IV-D 's requirements. \nHeld : Title IV-D does not give individuals a <em>federal</em> right to force a state agency to substantially comply with Title IV-D. \n\nXXXX XXXX CHILD <em>SUPPORT</em> SERVICES BEEN DEFRAUDING ME SINCE XXXX."]},"sort":[13.8331785,"10372504"]},{"_index":"complaint-public-v1","_id":"10374091","_score":13.538109,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* XXXX XXXX CHILD SUPPORT SERVICES ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX WHICH ON MY CREDIT REPORTING PROFILE CHILD SUPPORT SERVICES ADDRESS IS NOT ACCURATE- IT IS MY BELIEF AND INFORMATION THAT THIS CHILD SUPPORT ORDER AND DEMAND FOR PAYMENT IS A RUSH TO JUDGMENT INTO A DEFAULT JUDGMENT AND BOTH ARE A VIOLATION ON MY CONSTITUTIONALLY PROTECTED RIGHTS. PLEASE VALIDATE THIS CLAIMED SIGNED BY A MAN OR WOMAN UNDER PENALTY OF PERJURY. \nBY : XXXX : XXXX FOR : XXXX XXXX XXXX XXXX IN FACT XX/XX/XXXX CALIFORNIA FAMILY CODE CUSTODY OF CHILDREN DEFINITIONS AND GENERAL PROVISIONS Family Code Section 3010 ( a ) The mother of an unemancipated minor child and the father, if presumed to be the father under Section 7611, are equally entitled to the custody of the child. \n\nTHIS PROVISION CLEARLY STATED MOTHER AND FATHER OF A CHILD HAVE EQUAL RIGHTS. NOTHING IN THIS PROVISION SAID COSTODIAL PARENT, VISITATION, OR THE MOTHER HAVE MORE RIGHTS THAN THE FATHER OR VICE VERSA IT SAID EQUAL RIGHTS. \n\nCIVILIAN DUE PROCESS WAS NEVER GIVEN TO ME, A JUDICIAL PROCEEDING WAS NOT OFFER, ADMINISTRATIVE HEARING DOES NOT SUPERSEDES A JUDICIAL ORDER WHICH IS A VIOLATION TO MY 14TH AMENDMENT PROTECTRD RIGHT. \n\nI ALSO HAVE TO THE RIGHT TO FACE MY ACCUSER IF I INJURE OR HARM SOME ONE. I AM BEING LIABLE FOR AN ALEDGE CRIME I NEVER COMMITTED BECAUSE THERE IS NO VICTIM. \n\nXXXX XXXX XXXX XXXX XXXX. SECTION XXXX - THE COURT FIND THAT THE XXXX IS UNCONSTITUTIONAL. \n\nXXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX, XXXX, ARIZONA DEPARTMENT XXXX XXXX XXXX XXXX XXXX ET AL. \n\nXXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE NINTH CIRCUIT No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX Arizona mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the XXXX of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the XXXX XXXX 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the XXXX of Health and Human Services XXXX XXXX ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements. \n\nHeld : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. \n\n( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( XXXX ) whether the plaintiff is an intended beneficiary of the statute ; ( XXXX ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if Congress specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. \n\n( b ) Respondents have not established that Title IV-D gives them individually enforceable federal rights. In prior cases, the Court has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, e. g., XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with Title IV-D in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a State 's Title IV-D program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the XXXX XXXX did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 331 Full Text of Opinion Show Less Opinions Opinions & Dissents Hear Opinion Announcement - XX/XX/XXXX XXXX TERM, XXXX XXXX  XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ET AL. \nXXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX  XXXX  No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, five Arizona mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the XXXX of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D pXXXXgram or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the XXXX XXXX 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services XXXX XXXX ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements. \nHeld : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. \n\nXXXX XXXX CHILD SUPPORT SERVICES BEEN DEFRAUDING ME SINCE XXXX. LEVY MY BANK ACCOUNT, GARNISHING MY WAGES, ENFORCE HOLD ON MY LIFE XXXX DRIVERS LICENSE AND PASSPORT WITHOUT MY CONSENT. I DO NOT WISH TO VOLUNTARILY BE APART OF NO CHILD SUPPORT SERVICE CASE IN MY ALL CAP NAME XXXX XXXX XXXX. \nTHIS IS EXTRINSIC FRAUD","date_sent_to_company":"2024-10-07T17:52:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10374091","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-07T17:52:37.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It also disagreed with the XXXX XXXX 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of <em>Health</em> and Human Services XXXX XXXX ) to audit and cut off funds to States whose <em>programs</em> do not substantially comply with Title IV-D 's requirements. \nHeld : Title IV-D does not give individuals a <em>federal</em> right to force a state agency to substantially comply with Title IV-D. \n\nXXXX XXXX CHILD <em>SUPPORT</em> SERVICES BEEN DEFRAUDING ME SINCE XXXX."]},"sort":[13.538109,"10374091"]},{"_index":"complaint-public-v1","_id":"3414275","_score":12.396206,"_source":{"product":"Student loan","complaint_what_happened":"I graduated in XXXX with a XXXX 's in XXXX XXXX from XXXX University in XXXX. I got my XXXX degree from XXXX XXXX in XXXX Iowa.I left graduate school with just over XXXX XXXX in loans, with an interest rate of 7.63 percent. I have worked for non - profit organizations throughout my career XXXX - current. \n\nMy loans were initially consolidated at the 7.63 percent interest rate. At the start of my career my loans were in deferment because I was making XXXX dollars an hour and could not afford the XXXX dollar plus payment. As such, I inquired multiple times about the public loan forgiveness program program. I was repeatedly told that I did not qualify for the program despite working in for XXXX XXXX XXXX and being a XXXX XXXX XXXX. \n\nOver the past 8 years I have consistently made payments to NelNet on the income based program. I was married for 7 of the 8 years and in a two income household paying XXXX dollars a month. I had a divorce last XX/XX/XXXX, and am now supporting my XXXX children on a single income. When I reapplied for the IBR program XXXX XXXX, my payment jumped to XXXX plus dollars. I did get a raise and had to start working more hours post divorce. This money, over XXXX , was taken out of my account and I was not aware the amount was set at that rate. Nelnet stated they communicated with my via my inbox on the Nelnet website, I did not get the communication. \n\nSubsequently, I placed the loan in deferment and was told by Nelnet that if I re consolidated the loan I would be eligible for the Public Loan Forgiveness Program, but would LOSE ALL  THE TIME I HAD PAID IN!! I had inquired MULTIPLE TIMES OVER THE PERIOD I PAID TO NELNET ( 7 years ) ABOUT CONSOLIDATING AND APPLYING FOR PUBLIC LOAN FORGIVENESS PRIOR TO THIS EVENT!! I was repeatedly told I was not eligible. \n\nMy IBR application to the department of education ( XX/XX/XXXX ) for PLF did not qualify due to errors on the form made by my employer. I submitted the application today,XXXX, and I called the US department of Education about the decline letter ( XX/XX/XXXX ). I also asked about why now I was able to consolidate my loan and apply, when I should have been able to do this when I got out of XXXX XXXX or at the very least over the past 7/8 years. I believe the Department of Education employee number was XXXX - This person shared that initially, XXXX, I was not eligible because the type of loan ; however, she informed by that the regulations were changed about the type of loan I had and that I actually HAD BEEN eligible to re consolidate and apply for PLF. \n\nAside from the egregious misinformation given by Nelnet, My loans are now XXXX XXXX dollars with an interest rate of 7.63 percent and I CAN NOT PAY even the interest on the loan and continue to have a home with a mortgage and all the other bills that caring for a family requires. I was told by Nelnet that the federal government sets income guidelines at the poverty limit for people holding student loans. While this may be the case, I would be held to that standard without being afforded the other benefits of living at the poverty line : federally funded health care, food stamps, public house, childcare assistance. \n\nIn addition, over this most recent time of reapplication for IBF, each time I would call Nelnet about my payment I was given different information as to what was needed and the criteria used for setting IBR. \n\nIn sum, My current student debt is XXXX $ the interest is 7.63 percent. I am a XXXX XXXX XXXX working two jobs and I am not able to manage this debt. Had I been given the correct information by my loan servicer, Nelnet, 8 years ago I would be nearing the end of the repayment under the Public Loan forgiveness program. I am entering another period of having to apply for income based program and am sure I will have to place the loan in deferment while a reasonable payment is set, at this point I do not know what to do about the loan and need assistance. I was not given accurate information to make appropriate financial decisions and these loans are and will impact my day to day life for the duration of my life.","date_sent_to_company":"2019-10-23T18:05:48.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"43015","tags":null,"has_narrative":true,"complaint_id":"3414275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2019-10-22T20:04:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I was told by Nelnet that the <em>federal</em> government sets income guidelines at the poverty limit for people holding student loans. While this may be the case, I would be held to that standard without being afforded the other benefits of living at the poverty line : <em>federally</em> funded <em>health</em> care, food stamps, public house, childcare assistance."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[12.396206,"3414275"]},{"_index":"complaint-public-v1","_id":"8978590","_score":12.148474,"_source":{"product":"Mortgage","complaint_what_happened":"Community Bank, NA is my bank and Mortgage holder. I have requested a XXXX XXXX XXXX XXXX derogatory credit reports to all credit reporting agencies, which they have denied. I am writing to request support with removal please. \n\nThey made these adverse reports in XXXX, XXXX, XXXX of XXXX. I would like them removed due to extenuating circumstances and their refusal to provide a timely solution in the face of a global health pandemic and financial hardship, exacerbated by XXXX. \n\nOn XX/XX/XXXX I sent a formal Goodwill Removal Request for their derogatory in XXXX, XXXX and XXXX of XXXX I requested a forbearance and was told not possible with my type of mortgage loan, while awaiting a grant from the Federal HAP program. \n\nThe circumstances were loss of work due to an unplanned XXXX and the continuation of the XXXX XXXX XXXX XXXX. These situations had unforeseen consequences on my small business/income. Prior to this, and since, I have had and do have, an extremely positive repayment history. \n\nI reached out to my Bank Manager who attempted to assist as of XXXX of XXXX. A delayed XXXX XXXX Mortgage Grant was backlogged. I shared this with him. I requested a \" pause '' on late reporting... i.e.- a forbearance. \n\nI had expected to receive the emergency mortgage grant, well to have it sent directly to Community Bank much much sooner than occurred. I have sent a newspaper article outlining this to my current bank manager, XXXX, while he attempted to get up to speed on the situation as he wasn't then working with CB. \n\nCurrently, to my branch manager, I have asked to speak with and for the Contact Info of his District Supervisor at least 3 times and it has not been provided. I also reached out on XXXX and was told my message would be forwarded to the District Supervisor of my College XXXX XXXX. \n\nIn XXXX of XXXX I had spoken with XXXX a senior staff of the XXXX XXXX Department who stated she knew the XXXX XXXX XXXX XXXX XXXX  XXXX ) was backed up for both Vermont and New York homeowners. Community Bank was aware of the delays yet offered nothing timely to avert negative credit reporting. Apparently they still have not offered assistance to support customers that received negative reporting marks during this time of need and delayed disbursement of XXXX XXXX XXXX funds. This is according to my current branch manager, in a recent email communication. \n\nXXXX Bank 's messaging in my recent communications makes it seem I'm asking for an exception. I would like to offer that this should be the rule, to assist customers in a time of financial need, not an exception. I'm a low/moderate income, single, XXXX woman and have worked tirelessly to make my life what it is. It's insulting and while many incurred hardships, no one should be penalized for late payments that were eventually made up to Community Bank, during a public health emergency. Moreover, Community Bank knew of the emergency aid program 's delay due to demand. \n\nIn speaking with SC of the XXXX XXXX XXXX XXXX Department XXXX she explained to me that all they could do was XXXX a Repayment Plan or 2. a Loan Modification. She told me I could not get a \" Forbearance, '' because of the TYPE of Mortgage I had, which made no sense, because I had gotten one in XXXX to avoid adverse financial impacts of XXXX. \n\nI asked her about this and let her know my Mortgage type has not shifted. She said the earlier forbearances were a one time thing. I asked for an exception then as XXXX persisted AND I had undergone a XXXX. Nope. To note, no one in the XXXX XXXX department would email with me, though I requested it, and is called for as an XXXX written accommodation. \n\nIn any case, XXXX, she sent me the paperwork to start the application process for one of the programs they proposed on XX/XX/XXXX. The letter states they are aware I'm experiencing a hardship and that to be considered to return documents and they would review my eligibility for Home Retention Options and Home Liquidation Options. I called XXXX every few days to follow up and moved from the XXXX \" phase '' to the requesting \" Info '' phase in mid XXXX to \" Completed Review '' phase on XX/XX/XXXX. I shared this with my Branch Manger. \n\nInitially, I had reached out by phone to my branch on XX/XX/XXXX. I called my then Branch Manager, XXXX - after being advised to do so by the Loan Servicing Department. I had called them to let them know of my situation and that I had submitted an application to the American Rescue Plans Act- HAP Program and was told turn around was XXXX weeks. It turned out to be more than two months. \n\nThe reason I am revisiting this XXXX XXXX request this Spring, is while going through a XXXX  loan application process with my current bank manager, and the Loan Officer, who pulled my credit report, though I hadn't granted permission, it brought up the derogatory credit marks. During this HELOC review, it was curious because both staff encouraged me to reach out to their \" Insurance XXXX, '' and someone there, XXXX, to get a quote although I had recently gotten renewed. XXXX Insurance casually asked for my XXXX and SS # ... fortunately before providing these, I asked IF she was going to pull my credit report, and when she said yes, and it would take a hit, thus I declined to proceed with a quote. \n\nI felt that there was some mysterious and unclear interest rates and terms of the Draw Period and Repayment Period batted around and have to say it was challenging to get in \" writing '' what exactly Community Bank was offering in terms of its XXXX. Needless to say, that is not what I am writing about, but I do not understand How come Community Bank could Offer a Forbearance in XXXX and simply would not in XXXX when XXXX persisted? Moreover, my Mortgage type had not changed, which is the reason I was given. No forbearance for XX/XX/XXXX due to my loan type... \n\nXX/XX/XXXX I received my XXXX XXXX letter from Community Bank, after contacting them about my mortgage and financial situation/needs. They have since, in XXXX, while I requested a forbearance and awaited emergency assistance, reported my mortgage late, negatively impacting my credit during XXXX and have refused to offer a Goodwill Removal. \n\nThus to summarize, this complaint is based on Community Bank, NAs unwillingness to work with me to protect my financial integrity during a time of an emergency health pandemic unlike no other we have experienced, compounded by an unplanned XXXX and the delay in federal emergency funds designed to support homeowners such as myself. Thank you for your assistance.","date_sent_to_company":"2024-05-14T21:07:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Conventional home mortgage","zip_code":"05401","tags":null,"has_narrative":true,"complaint_id":"8978590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COMMUNITY FINANCIAL SYSTEM, INC.","date_received":"2024-05-10T20:50:01.000Z","state":"VT","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Thus to summarize, this complaint is based on Community Bank, NAs unwillingness to work with me to protect my financial integrity during a time of an emergency <em>health</em> pandemic unlike no other we have experienced, compounded by an unplanned XXXX and the delay in <em>federal</em> emergency funds designed to <em>support</em> homeowners such as myself. Thank you for your assistance."]},"sort":[12.148474,"8978590"]},{"_index":"complaint-public-v1","_id":"13532092","_score":12.093147,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( XXXX ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2. A formal response detailing corrective actions to resolve the errors on my account 3. Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm 4. Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors 5. Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker.","date_sent_to_company":"2025-05-15T13:06:24.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"13532092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-15T13:02:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law. \n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[12.093147,"13532092"]},{"_index":"complaint-public-v1","_id":"3410947","_score":11.638122,"_source":{"product":"Student loan","complaint_what_happened":"Summary Points : 1. Navient ( student loan servicer ) provided me with erroneous information on multiple occasions indicating that I was not eligible for public service loan forgiveness ( PSLF ) ; 2. Based on the incorrect information I received from Navient, I did not pursue PSLF ; 3. I subsequently discovered Navient provided me with misinformation and that I am in fact eligible for the PSLF program ; 4. I have made 47 ( totaling nearly $ 35K ) payments on my student loans while employed by an PSLF-eligible employer, but only 9 payments have counted towards ( please see attached payment history and employment verification forms ) PSLF program goal of 120 payments. This is because Navient gave me erroneous information, steering me into a PSLF-ineligible payment plan under the faulty pretense that I am not eligible for PSLF. As it turns out, I am in fact eligible and the 47 payments I have made so far meet or exceed what I would have paid under a PSLF eligible plan ; 5. I ask that all 47 payments ( as of XX/XX/XXXX ) be accepted as qualifying payments as : ( i ) I have paid as much money as I would have under a PSLF eligible plan ; ( ii ) my loan servicer improperly maneuvered me into entering a PSLF-ineligible pay ment plan using misrepresentations ( whether intentional or not ) ; and ( iii ) all of these payments were made while I was employed full time by a PSLF-eligible employer. \n\nI am an XXXX XXXX XXXX ( XXXX ) Veteran who served in the XXXX and was XXXX to XXXX as a medic in XXXX. I served my country for many reasons, one of which was the promise of financial help with college. This was a very attractive incentive for me as I come from a family with modest means. I was the first person in my family to be awarded a professional degree and navigated the process of applying and then paying for higher education on my own. The cost of professional school easily consumed all veteran benefits available to me ( GI Bill, State and Federal Tuition assistance programs ), thus federal loans became the only path through which I could afford higher education. During my professional studies, I unexpectedly I found myself caring for my father after a XXXX attempt as well as my oldest brother after he XXXX XXXX at a XXXX XXXX and was then out on XXXX  ( my brother unfortunately subsequently XXXX of an XXXX XXXX, highlighting another major catastrophe affecting our country ). I was happy to be able to support my father and brother during some difficult life circumstances but as I was myself a student at the time, this caused me to rely more heavily on federal loans, increasing my debt burden substantially. \nAfter graduation, I found myself with significant student loan debt but rather than entering a high paying job in the private sector, I chose to pursue further training in mental health pharmacy so I could go down a career path of helping veterans who have suffered worse than I. During this extra training my loan interest compounded. All of my personal and professional experiences detailed above have shaped my career path and goals and I now work with veterans who have experienced XXXX XXXX XXXX ( XXXX ) and on XXXX XXXX XXXX in an effort to combat the unfortunate XXXX XXXX that is affecting so many families across the country. \nI write today to draw attention to a student loan issue that affects me and so many other student loan borrowers : the mishandling and misrepresentation of the PSLF program. The PSLF guidelines state that if you are employed full time by a qualified public service employer, then you need to make 120 payments in a specific repayment program to have your loans forgiven. In theory, it is a great opportunity for those who chose to work in a public sector job ( which in many cases means foregoing the higher payments of the private sector ). \nThe flagrantly mishandled execution of the program, has left me with a sputtering launch into my adult professional career and family life. Navient incorrectly told me that my loans were not eligible for PSLF due to a payment that I had missed in XXXX. Navient relayed this to me in XXXX. My loans were deferred from XXXX while I was conducting training, though during this time the loans still accrued interest. My original loan amount was {$760000.00}, but as of XX/XX/XXXX, I owe {$91000.00}. I have made 47 payments totaling {$34000.00} since XX/XX/XXXX with a negligible impact to the principal loan balance. \nAll of my 47 payments have been made while employed by an eligible PSLF employer. The attached employment verification forms cover all years where payments were made. My employers include the XXXX XXXX XXXX XXXX ( XXXX XXXX ), the XXXX XXXX XXXX, and the XXXX XXXX XXXX. All of these employers are eligible for my payments to qualify under the PSLF program. As you can see in the attached information, the amounts paid in the ineligible payments are roughly the same as the amounts paid in the eligible payments. All payments consistently range between $ 600-800. \nThe Implementation of the PSLF program needs to be reformed to make it more student friendly, aas Congress intended it to be. One way to accomplish this is to credit all payments as qualified PSLF payments that borrowers make while employed by an eligible employer. In this manner, the deceptive steering of borrowers into non-qualified payment plans can at least be attenuated, if not eliminated completely.","date_sent_to_company":"2019-10-19T14:43:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"80220","tags":"Servicemember","has_narrative":true,"complaint_id":"3410947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-10-19T14:27:38.000Z","state":"CO","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["The cost of professional school easily consumed all veteran benefits available to me ( GI Bill, State and <em>Federal</em> Tuition assistance <em>programs</em> ), thus <em>federal</em> loans became the only path through which I could afford higher education."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[11.638122,"3410947"]},{"_index":"complaint-public-v1","_id":"9585784","_score":11.564619,"_source":{"product":"Student loan","complaint_what_happened":"I've already filed a complaint about this ( ID : XXXX ) I got a response back on XX/XX/XXXX and this is the response I got : \" OUR RESPONSE : XXXX. XXXX  XXXX review determined the doctors physician statement indicated that you are not XXXX  XXXX  XXXX ( XXXX  ) at this time. Should your condition change in the future preventing you from recovering and returning to work, you should contact Sallie Mae Bank to file a new XXXX request. XXXX. Any disputes concerning the quality of the education program provided by the University XXXX XXXX - XXXX or about any alleged misrepresentations made by the school should be addressed directly with the school. RESEARCH SUMMARY : XXXX. As stated in the terms of the Promissory Note the Current Balance will only be waived if the student becomes totally and permanently XXXX. Totally and permanently XXXX means the inability to work in any occupation due to a condition that is expected to be permanent and that began or deteriorated after the date of the Disclosure. This disability standard may differ from disability standards used by federal and state government agencies, and other private loan providers. XXXX. Additionally, as indicated in the Promissory Note you signed, Smart Option Student Loans must be repaid even if the borrower is dissatisfied with the educational program paid for with the loan ; we do not vouch for or warrant the quality or suitability of any educational program. '' The complaint has been closed and since I don't see an option to appeal, I thought it'd be best to just go ahead and submit another complaint. I don't know if you can go back and reference the information from the old complaint, but I'll go ahead and put everything down again : \" I am filing a complaint against Sallie Mae for a loan I took about 2 years ago. I realize that's quite a while ago, but I assure you this isn't the first time I've tried to take care of it, or even the second. I got the loan in XXXX of XXXX and by XXXX had made my first attempts to get out of it. But I never got anywhere in my attempts, and it was only within the past month that I heard about CFPB and I'm hoping you can help me. I applied for the loan and was approved on XX/XX/XXXX. However, I felt I was deceived. My mom and I spoke to the main instructor of the program and, even though she didn't mean to, she let us walk away with the belief that I could get the course done within several months. She'd told us that she finished her training in four months and when we told her I was determined to beat her time, she thought that was a great goal or something and didn't even try to correct us about the time it would take. She also negated to tell us about how much memorization it was. That's basically all it is - memorizing a keyboard and all these conflicting rules. I didn't know anything about court reporting, so it was her job to explain it to me. With the belief ( and with her speaking very highly of it and not correcting our assumptions, despite us making them known ) I took out the loan and was approved. I felt even more excited because I wouldn't have to start paying off the loan for XXXX years and I was expecting to be done with that course quickly and already be making money. However, once I got everything for the course, it soon became clear that it wasn't what I was expecting. What we believed I could finish in XXXX months was actually meant to be a XXXX. As someone whose health has left her unemployed for several years ( I hadn't worked since late XXXX by that time and I'm still unemployed to this day ) this was a major let down. I wasn't looking for something that was going to take a couple of years - I needed something right away so I could go ahead and start earning money from home. The owner said nothing whatsoever about it being that long, and we talked for a good amount of time. Also, due to my XXXXXXXX XXXX XXXX XXXX  XXXX called XXXX XXXX ( similar to XXXX but with more severe flares ), I don't have the ability to memorize very much and certainly not what that course was asking for. If she had told us what it entailed in the first place, I never would have taken out the loan. They promised unlimited support, but the support really just parroted back the book, which wasn't very helpful. If I didn't understand the book, how would I understand them just repeating it back to me. I spoke to the company about it, but they just got defensive and told me that they never let us walk away with any assumptions, even though they did and didn't bother to correct us. Getting nowhere with them, I contacted Sallie Mae. After I told them everything that was going on with the company and my health problems, they told me I should fill out their XXXX form and that I would most likely not have an issue getting that loan canceled. I tried at least twice, providing all the documentation I could, but they declined me. When I took out the loan, we didn't yet have a clear diagnosis, but we still knew I had XXXX issues and an MRI had revealed a mass in my skull base. While the loan is through Sallie Mae, it's for an online company or website called XXXX XXXX and XXXX at XXXX '. Despite what they said, the DID allow me to walk away and take out a loan based on incomplete information and misrepresentation. I don't know if she meant to or not, but she still should have corrected us. When she told us that she completed her course in 4 months or so and I planned to beat her time, instead of being impressed with that goal, she SHOULD have told us that that was only PART of it and that the whole thing was 2 years, but she never said a word. In an email she sent me a few days after I tried to get a refund she even said \" I have not known anyone who has been able to complete their training in XXXX months as you suggest, except myself who many years ago learned a theory that was not realtime, so I could learn it faster, and I had no children. I could practice around the clock, literally XXXX hours a day most days. I almost burned out. I wouldnt even recommend it to anyone who could practice that many hours. It was grueling. '' She reiterates that she learned it in that timeframe but when we told her I hoped to be able to beat that, she negated to mention the rest of the information. She also said 'as I suggest ' - I didn't SUGGEST anything, she told us that and she says it again here. I really just feel I was taken in because she should have offered this information from the very beginning. Again, I would not have taken out a loan had she. I've tried my best to get Sallie Mae to help me, but they won't. I don't believe I should be responsible for this loan because of what the instructor did and said. I attached information regarding my health. Unfortunately, I spoke with Sallie Mae on the phone and can't provide that information but hopefully just having the form will be enough to prove that we did speak ( I wouldn't have been able to find it and fill it out otherwise ). There are XXXX options for Sallie Mae on the next page : XXXX ) Sallie Mae and XXXX ) SALLIE MAE BANK. Based off what my statements say ( and the fact that it's a student loan ), I believe it's Sallie Mae. However, if this is not correct, please let me know. '' If I can, I would like to go ahead and appeal the response I was given. I felt it did not fully address several critical issues : Misrepresentation : The course instructor did not clarify that the completion timeframe she mentioned was exceptional or that most of the course involved memorization. This critical information was not disclosed, leading me to take out the loan under false pretenses. The misrepresentation of both the duration and content of the course directly influenced my decision and should be considered grounds for relief. \n\nHealth Condition : Although I am not classified as XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, I have been unable to work for nearly 5 years due to my XXXX XXXX XXXX XXXX XXXX. This condition severely impacts my ability to memorize and complete the course requirements. The response did not fully address the substantial impact of my health condition on my ability to manage the loan. \n\nUnfairness : Sallie Mae 's response implies dissatisfaction with the course rather than addressing the misrepresentation. The key issue is the failure to disclose important aspects of the course, such as the extensive memorization required, which is particularly challenging given my health condition. \n\nI respectfully request a reconsideration of my case, acknowledging the misrepresentation of the course and the significant impact of my health condition. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-07-22T17:00:03.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"726XX","tags":null,"has_narrative":true,"complaint_id":"9585784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-07-22T16:31:00.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["This disability standard may differ from disability standards used by <em>federal</em> and state government agencies, and other private loan providers. XXXX."]},"sort":[11.564619,"9585784"]},{"_index":"complaint-public-v1","_id":"13522161","_score":11.165909,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally.\n\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : mCustomer service gave me incorrect information that caused me to miss payments. I also have a much higher balance than I should have and worry that the amount is incorrect. I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\n\n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2. A formal response detailing corrective actions to resolve the errors on my account 3. Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm 4. Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors 5. Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \n\nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \n\nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-15T18:17:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"91325","tags":null,"has_narrative":true,"complaint_id":"13522161","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-15T18:03:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law. \n\n\n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[11.165909,"13522161"]},{"_index":"complaint-public-v1","_id":"16129181","_score":11.123046,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX, XXXX Klarna AB XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Klarna XXXX Offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, United States Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Klarna Order # XXXX Dear XXXX XXXX and Klarna XXXX XXXX, I am writing to you as a long-time Klarna customer XXXX with deep concern regarding my ongoing dispute related to Order # XXXX involving XXXX XXXX XXXX XXXX XXXX XXXX \nDespite my repeated communications and provision of supporting evidenceincluding a physicians letter documenting my medical hardshipmy dispute remains unresolved. The merchant refuses to issue a refund for a coaching program that was misrepresented, undelivered, and non-refundable only after payment, all while ignoring critical health circumstances that prevent my participation. \nKey Facts of the Case : - Service Undelivered : No structured curriculum, tools, or individualized coaching was ever provided. \n- Event Not Occurred : The related live event is still more than a month away. \n- XXXX XXXX : A letter from my husbands nephrologist confirms a high-stress situation, whichmade participation impossible. \n- Refusal of Refund : The companys reply simply stated no refunds without addressing any of my concerns.\n\n- Misleading Marketing : Language such as instant access, life-changing results, and exclusive coaching created a misleading impression.\n\n- Lack of Consumer Transparency : No active BBB listing, no accessible Terms of Service at the point of sale, and no refund policy presented clearly before payment.\n\nWhy Im Escalating This : I have already submitted complaints with the Federal Trade Commission ( FTC ) and the Florida Attorney Generals Office. I am also preparing reviews on public platforms such as XXXX, XXXX, XXXX Report, and a social media campaign that will include XXXX role in enabling merchants who fail to meet basic standards of fairness, service delivery, and consumer respect. \nMy Request to Klarna XXXX : XXXX. Fully cancel or reverse the transaction for Order # XXXX. \nXXXX. Enforce greater accountability on merchants like XXXX XXXX XXXX. \nXXXX. Improve XXXX consumer dispute experience to reflect the values Klarna promotestrust, safety, and customer-first values. \n\nI respectfully request that this letter and its documentation be escalated to the appropriate team for review. I hope Klarna will choose to be on the side of fairness and integrity. \nThank you for your attention and action. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. # XXXX XXXX, FL XXXX To : XXXX Cc : XXXX Dear XXXX and Team, I am writing to formally request the full cancellation and refund of my enrollment in the XXXX XXXX  XXXX XXXX, purchased via Klarna on XX/XX/year>, for {$1500.00} under Invoice # XXXX, with monthly installment payments. \nThis request is being made due to misrepresentation of services and failure to deliver the promised value at the point of sale. \nThe program was marketed using emotionally charged and vague language such as : This program is the new wave of coaching and a real game changer for women! \nExclusive Success Key when you pay in full Instant access to our online training program These descriptions led me to believe I was purchasing a structured, value-packed, results-driven coaching program. \nHowever, what I received was : A basic welcome message with no clear curriculum or ongoing support. \nA Telegram link with little to no actionable coaching. \nNo individualized coaching, modules, tools, or structure as implied. \nThe Success Key Bonus was never defined or delivered in tangible form. \nNo refund policy was clearly disclosed or explained prior to payment. \nAdditionally, before completing the purchase, I informed your sales agent, XXXX XXXX, that I was under extreme personal stress. My husband is in late-stage XXXX XXXX  with a failing XXXX  XXXX, and I was dealing with significant emotional and financial strain. Despite this, I was encouraged to proceed with the program without clarity, flexibility, or accommodation. \nWhile your terms mention a non-refundable policy, it was not explained in a meaningful or transparent way before purchase, and such a clause can not justify services that were materially misrepresented or the undue pressure under which this sale was made. \nI have already contacted Klarna, who advised me to reach out to you directly to resolve this matter. If I do not receive a response or resolution within XXXX business days, I will escalate my dispute through XXXX formal complaint and buyer protection process and provide all supporting documentation, including : My invoice Email correspondence Marketing screenshots and advertising claims Telegram group evidence showing lack of content and deliverables I respectfully request confirmation that my subscription will be canceled, future access revoked, and that a full refund will be processed promptly. \nThank you for your attention and understanding. I look forward to your timely response. \nSincerely, XXXX XXXX XXXX XXXX XXXX Dear Klarna and XXXX  Disputes Team, I am submitting additional documentation in support of my ongoing dispute with XXXX XXXX XXXX/ XXXX XXXX, regarding : Klarna XXXX ID : XXXX ( XXXX XXXX XXXX XXXX ) XXXX  Order # : XXXX ( {$290.00} XXXX XXXX XXXX Event ) As supporting evidence, Ive attached a signed letter from my husbands physician. Due to his severe medical condition ( late-stage XXXX XXXX  with a failing transplant ), I am unable to travel or fully participate in services I was sold under high-pressure, emotionally manipulative tactics. \nWhy This Letter Matters : The Success Manifestation Event has not yet occurred ( scheduled for XX/XX/year> ) but the vendor is refusing to provide a refund or accommodation, despite no services rendered and my verified inability to travel. \nThe XXXX XXXX XXXX allowed me to cancel my hotel reservation without penalty. \nThe vendor continues to retain funds ( {$290.00} + {$1500.00} ) without delivering promised services and has shown no willingness to be flexible or empathetic. \nRequest : I am asking both Klarna and XXXX to : Pause or reverse remaining payments. \nInvestigate this further under misrepresentation, high-pressure sales, and medical hardship. \nAssist in obtaining a full refund from the merchant. \nPlease confirm receipt and let me know if any further documentation is required. \nSincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Doctors Medical Letter ( PDF ) Klarna XXXX XXXX XXXX Dispute Letter Event Description & Confirmation Hotel Cancellation Policy","date_sent_to_company":"2025-11-04T16:10:42.000Z","issue":"Problem with additional add-on products or services","sub_product":"Personal line of credit","zip_code":"08016","tags":"Older American","has_narrative":true,"complaint_id":"16129181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2025-09-23T18:21:20.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>program</em> was marketed using emotionally charged and vague language such as : This <em>program</em> is the new wave of coaching and a real game changer for women! \nExclusive Success Key when you pay in full Instant access to our online training <em>program</em> These descriptions led me to believe I was purchasing a structured, value-packed, results-driven coaching <em>program</em>. \nHowever, what I received was : A basic welcome message with no clear curriculum or ongoing <em>support</em>."]},"sort":[11.123046,"16129181"]},{"_index":"complaint-public-v1","_id":"2982941","_score":11.04146,"_source":{"product":"Student loan","complaint_what_happened":"XXXX. XXXX XXXX, XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX I am appealing to you for help regarding repayment of a student loan and the impossible situation that I find myself in. \n\nMy background ; I have been an XXXX  my entire life with a majority of time spent in XXXX, XXXX and XXXX  XXXX  XXXX. At the age of XXXX, I combined my XXXX expertise with my spiritual beliefs and entered XXXX, earning a XXXX Degree in XXXX and being XXXX   as a XXXX XXXX XXXX. During my XXXX career I found that basic XXXX XXXX   in XXXX  was lacking. I watched people not only suffer physically, but emotionally as well. I knew that this decision was to profoundly change the rest of my life but the XXXX XXXX XXXX has been life long. \n\nI now work with the XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX   helping people and their families navigate the end of life transition. My personal experiences as well as my broad course of studied has prepared me to provide XXXX  support ; XXXX  care across multiple faith traditions from indigenous cultures to XXXX, XXXX, XXXX and XXXX. Because of my background I have been able to support the diverse cultures now living in the greater XXXX area : XXXX, XXXX, XXXX, to name just a few. \n\nOf course all of this came at a personal and financial cost. I have student loan debt that is serviced through the XXXX program. Because the XXXX is a 501 ( c ) ( 3 ) non-profit I qualify for the Public Service Loan Forgiveness Program ( PSLF ). Even though the payments are income driven, the amount is based on discretionary income. The federal poverty guideline for location and family size is multiplied by 1.5, This figure is subtracted from your adjusted gross income. The resulting number is then multiplied by 10 % ; then divided by twelve. My initial payment was determined to be {$290.00} based on my 2015 income. After a one time salary increase ( 24 % ) the payments were increased to {$390.00} ( 36 % ) which I can not afford. In the same time interval my mortgage payments increased due to an increase in property tax, my health insurance premiums increased 3 %, utilities increased and I had to replace a vehicle and take on a car payment. \n\n\nI attempted to renegotiate the payment amount several times. I can manage the {$290.00} a month and emphasized this to multiple loan representatives. Each time the result was the same. The agency would not recalculate my payment. I was told that my only option was forbearance. During a forbearance I could pay the interest on the loan-however, at the end I would in the same situation. If the interest is capitalized the resulting payment is even higher. The loan servicer-XXXX told me even if I kept sending payments in good faith-unless they were the specified amount the money would not be put toward the loan and they would put me into default. If I do not continue monthly payments I will be ineligible for the program. My employer also tried to intervene on my behalf ; however they are limited in what they can do. At this point I know that I will be capped to a 2 % salary increase each year due to the nature of non-profit work. I am now in a truly impossible situation. \n\nWhat I am deeply troubled by is the refusal of the servicer to take any kind of payment. Despite the fact that I could continue to pay my current amount I was informed that it would not be processed and that I would end up in default of the loan. I truly believe this is extortion. I have paid several debts-all XXXX related-by making good faith payments monthly that were agreed upon by both parties. I ask you to help me in this situation. This is the situation that everyone I have talked to with a student loan faces. One solution would be to subtract the borrowers monthly mortgage/rent payment from the discretionary income calculation. My housing expenses exceed 30 % of my income. \n\nI will gladly continue with the prior payments-only if they will be put toward the repayment program. I have currently been forced into forbearance which will only increase my payments and force me into default. I have worked my entire life to do the work I do. At XXXX I should not be forced into poverty. \n\nThank you very much for your time and assistance. \nRespectfully, XXXX. XXXX XXXX, XXXX XXXX.","date_sent_to_company":"2018-08-03T16:46:27.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"03301","tags":null,"has_narrative":true,"complaint_id":"2982941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2018-08-03T16:11:02.000Z","state":"NH","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["My personal experiences as well as my broad course of studied has prepared me to provide XXXX  <em>support</em> ; XXXX  care across multiple faith traditions from indigenous cultures to XXXX, XXXX, XXXX and XXXX. Because of my background I have been able to <em>support</em> the diverse cultures now living in the greater XXXX area : XXXX, XXXX, XXXX, to name just a few. \n\nOf course all of this came at a personal and financial cost. I have student loan debt that is serviced through the XXXX <em>program</em>."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[11.04146,"2982941"]},{"_index":"complaint-public-v1","_id":"1321782","_score":10.96776,"_source":{"product":"Student loan","complaint_what_happened":"Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. \n\nI grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. \n\nThe reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. \n\nComing from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. \n\nBecause my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, \" How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. \n\nYou might question, \" Why did n't you get this information from a high school counselor? '' The answer is simply, \" I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. \n\nI am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. \n\nI am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.","date_sent_to_company":"2015-04-08T20:19:36.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"20832","tags":null,"has_narrative":true,"complaint_id":"1321782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2015-04-08T20:19:35.000Z","state":"MD","company_public_response":null,"sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["I had never heard of FAFSA, I was not aware <em>federal</em> loans and their forgiveness <em>programs</em>, I did n't know what a grant was or how to find scholarship opportunities. \n\nYou might question, \" Why did n't you get this information from a high school counselor? '' The answer is simply, \" I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well <em>supported</em> peers."],"sub_product":["Non-<em>federal</em> student loan"]},"sort":[10.96776,"1321782"]},{"_index":"complaint-public-v1","_id":"13850024","_score":10.92216,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to XXXX Mismanagement and Abusive Practices. Date Opened : XX/XX/XXXX Amount : {$73000.00}. \n\nI am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/XXXX concerning XXXX misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \n\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, XXXX has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with XXXX. Specifically, I have experienced the following issues with my account : Incorrect billing amount that led to delinquency and customer service gave me incorrect information that caused me to miss payments. \n\nI have made repeated efforts to resolve these issues directly with XXXX, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\nGiven that XXXX is currently under investigation for systemic abuses, I am requesting : A full review and audit of my loan account ( s ) serviced by XXXX A formal response detailing corrective actions to resolve the errors on my account Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm Compensation for fees, interest, or penalties accrued as a result of XXXX administrative errors Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \n\nI am including documentation to support my complaint, including correspondence with XXXX, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T16:00:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77327","tags":null,"has_narrative":true,"complaint_id":"13850024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-02T16:00:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law."]},"sort":[10.92216,"13850024"]},{"_index":"complaint-public-v1","_id":"13851734","_score":10.911167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices. Date Opened : XX/XX/XXXX Amount : {$73000.00}. \n\nI am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/XXXX concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \n\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Incorrect billing amount that led to delinquency and customer service gave me incorrect information that caused me to miss payments. \n\nI have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : A full review and audit of my loan account ( XXXX ) serviced by MOHELA A formal response detailing corrective actions to resolve the errors on my account Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \n\nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-02T16:00:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77327","tags":null,"has_narrative":true,"complaint_id":"13851734","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-06-02T15:29:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law."]},"sort":[10.911167,"13851734"]},{"_index":"complaint-public-v1","_id":"13329111","_score":10.88728,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : [ Briefly describe your specific problems e.g., Incorrect billing amount that led to delinquency, Failure to process my IDR application on time, Customer service gave me incorrect information that caused me to miss payments, etc. ] I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law.\n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : A full review and audit of my loan account ( s ) serviced by MOHELA A formal response detailing corrective actions to resolve the errors on my account Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or XXXX XXXXt has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld.\n\nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-04T22:48:10.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"19133","tags":null,"has_narrative":true,"complaint_id":"13329111","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-04T22:35:59.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[10.88728,"13329111"]},{"_index":"complaint-public-v1","_id":"7474046","_score":10.817105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.\n\nIn a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine.\n\nFor the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.\n\nWhat is your authorization of law for your collection of information?\n\nWhat is your authorization of law for your collection of this alleged debt?\n\nPlease evidence your authorization to do business or operate in this state.\n\nPlease provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.\n\nYou have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.\n\nYour continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.\n\nFor the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.\n\nRegards, 14th Amendment violation right to Due Process No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\n4th Amendment Rights to Privacy The Fourth Amendment of the U.S. Constitution provides that \" [ t ] he right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized. '' The ultimate goal of this provision is to protect peoples right to privacy and freedom from unreasonable intrusions by the government. \n\nBLESSING, XXXX, ARIZONA DEPARTMENT XXXX XXXX XXXX XXXX XXXX et al. \ncertiorari to the united states XXXX XXXX XXXX for the ninth circuit No. XXXX. Argued XX/XX/XXXX -- Decided XX/XX/XXXX Respondents, five Arizona mothers whose children are eligible for state child support services under Title IV-D of the Social Security Act, filed this 42 U.S.C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV-D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements.\n\nHeld : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp. 9-18. \n\n( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amorphous as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e.g., XXXX v. Virginia XXXX XXXX, XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Pp. XXXX. \n\n( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, well defined claims. See, e.g., XXXX v. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, e.g., XXXX XXXX XXXX XXXX A. XXXX ( a ) ( XXXX ) ( XXXX XXXX XXXX. ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit XXXX not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the complaint into specific allegations can the XXXX XXXX proceed to determine whether any specific claim asserts an individual federal right. Pp. XXXX. \n\n( c ) XXXX 's argument that XXXX XXXX 's remedial scheme is sufficiently comprehensive to demonstrate congressional intent to preclude XXXX suits is rejected. XXXX does not claim that any XXXX XXXX provision expressly curtails XXXX actions, and she has failed to make the difficult showing that allowing such actions to go forward in these circumstances would be inconsistent with XXXX ' XXXX tailored scheme. That scheme is far more limited than those at issue in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, the only cases in which the XXXX has found preclusion ; in particular, Title IV-D contains no private remedy -- either judicial or administrative -- through which aggrieved persons can seek redress. The only way that XXXX XXXX assures that States live XXXX to their child support plans is through the XXXX 's oversight, but the XXXX 's limited powers to audit and cut federal funding are not comprehensive enough to foreclose XXXX liability. Pp. XXXX. \n\nXXXX XXXX DEPARTMENT Balance details Paid off - Balance {$3000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support XXXX XXXX DEPARTMENT Balance details Paid off - Balance {$2600.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support","date_sent_to_company":"2023-08-30T19:34:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93307","tags":null,"has_narrative":true,"complaint_id":"7474046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-30T19:33:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of <em>Health</em> and Human Services ( Secretary ) to audit and cut off funds to States whose <em>programs</em> do not substantially comply with Title IV-D 's requirements.\n\nHeld : Title IV-D does not give individuals a <em>federal</em> right to force a state agency to substantially comply with Title IV-D. Pp. 9-18."]},"sort":[10.817105,"7474046"]},{"_index":"complaint-public-v1","_id":"13497797","_score":10.590477,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( XXXX ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Customer service was not knowledgeable and did not provide the appropriate XXXX plan information I required. \nI applied for the XXXX plan and was informed I would be paying XXXX times what I was told my payment would be once forbearance is over. \nMy IDR application was not processed timely. \nI have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : XXXX. A full review and audit of my loan account ( XXXX ) serviced by MOHELA XXXX. A formal response detailing corrective actions to resolve the errors on my account XXXX. Full discharge or forgiveness of the impacted loan balance ( XXXX ) due to mismanagement and borrower harm XXXX. Compensation for fees, interest, or penalties accrued because of MOHELAs administrative errors 5. Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an XXXX or caseworker. \nSincerely, XXXX XXXX XXXX ID : XXXX Loan Account Number : XXXX","date_sent_to_company":"2025-05-13T16:20:36.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"10940","tags":null,"has_narrative":true,"complaint_id":"13497797","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-13T16:13:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law. \n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : XXXX. A full review and audit of my loan account ( XXXX ) serviced by MOHELA XXXX."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[10.590477,"13497797"]},{"_index":"complaint-public-v1","_id":"13574104","_score":10.408152,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Loan Account Number XXXX XX/XX/year> To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \n\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : [ Briefly describe your specific problems e.g., Incorrect billing amount that led to delinquency, Failure to process my IDR application on time, Customer service gave me incorrect information that caused me to miss payments, etc. ] I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\n\nGiven that MOHELA is currently under investigation forsystemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2. A formal response detailing corrective actions to resolve the errors on my account 3. Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm 4. Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors 5. Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or XXXX XXXX has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \n\nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \n\nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. \n\nSincerely, XXXX XXXX XXXX Loan Account Number XXXX","date_sent_to_company":"2025-05-17T21:44:31.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"93551","tags":null,"has_narrative":true,"complaint_id":"13574104","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-05-17T21:37:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law. \n\n\nGiven that MOHELA is currently under investigation forsystemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2."]},"sort":[10.408152,"13574104"]},{"_index":"complaint-public-v1","_id":"21111898","_score":10.378563,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\\nSubject: Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices\\nI am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA (Missouri Higher Education Loan Authority), and to request a full investigation into my account as well as a discharge of the affected loan balance(s). This request is based on widespread allegations and recent investigations reported as of XXXX XXXX concerning MOHELAs misconduct, which has significantly harmed borrowers  including myself  both financially and emotionally.\\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for:\\n\\t\\tFailing to properly calculate monthly payments\\n\\t\\tIssuing inaccurate bills and late fees\\n\\t\\tMishandling income-driven repayment (IDR) paperwork\\n\\t\\tDelays and errors in processing recertification forms\\n\\t\\tProviding inaccurate or misleading information about repayment and forgiveness options\\n\\t\\tCreating unnecessary delinquencies and defaults due to administrative failures\\nThese systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account:\\n\\t\\t[Briefly describe your specific problems  e.g., Incorrect billing amount that led to delinquency, Failure to process my IDR application on time, Customer service gave me incorrect information that caused me to miss payments, etc.]\\nI have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions  or lack thereof  constitute gross mismanagement, and I believe they violate my borrower rights under federal law.\\n\\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting:\\n\\t\\tA full review and audit of my loan account(s) serviced by MOHELA\\n\\t\\tA formal response detailing corrective actions to resolve the errors on my account\\n\\t\\tFull discharge or forgiveness of the impacted loan balance(s) due to mismanagement and borrower harm\\n\\t\\tCompensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors\\n\\t\\tConfirmation that my eligibility for programs such as IDR, XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX has not been compromised\\nPlease consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld.\\nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately.\\nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker.\\nSincerelyXXXX XXXX","date_sent_to_company":"2026-04-09T23:35:22.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"94116","tags":null,"has_narrative":true,"complaint_id":"21111898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-04-09T23:12:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Keep getting calls about your loan"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions  or lack thereof  constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law."]},"sort":[10.378563,"21111898"]},{"_index":"complaint-public-v1","_id":"15205040","_score":10.373758,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Account # XXXX XX/XX/2025 To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ) , and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/2025 concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. \nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options XXXX XXXX XXXX  constantly change financial advisors and students loan were taken out without my knowledge. \nCreating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : [ Briefly describe your specific problems e.g., Incorrect billing amount that led to delinquency, Failure to process my IDR application on time, Customer service gave me incorrect information that caused me to miss payments, etc. ] I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. \n\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting : A full review and audit of my loan account ( s ) serviced by MOHELA A formal response detailing corrective actions to resolve the errors on my account Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. \nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately. \nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-08-12T01:14:45.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"93705","tags":"Servicemember","has_narrative":true,"complaint_id":"15205040","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-08-12T01:06:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Issues with financial aid services"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under <em>federal</em> law."]},"sort":[10.373758,"15205040"]},{"_index":"complaint-public-v1","_id":"14405681","_score":10.373758,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXXLoan Account Number: XXXXTo Whom It May Concern:\\nSubject: Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices\\nI am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA (Missouri Higher Education Loan Authority), and to request a full investigation into my account as well as a discharge of the affected loan balance(s). This request is based on widespread allegations and recent investigations reported as of XXXX XXXX  concerning MOHELAs misconduct, which has significantly harmed borrowers  including myself  both financially and emotionally.\\nAccording to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for:\\n\\tFailing to properly calculate monthly payments\\n\\tIssuing inaccurate bills and late fees\\n\\tMishandling income-driven repayment (IDR) paperwork\\n\\tDelays and errors in processing recertification forms\\n\\tProviding inaccurate or misleading information about repayment and forgiveness options\\n\\tCreating unnecessary delinquencies and defaults due to administrative failures\\nThese systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account:\\n   Incorrect billing amounts that resulted in a delinquent status\\n  Failure to process my application in a timely manner\\n  Inaccessible customer service, making it nearly impossible to speak with a representative, which has caused missed payments and delays in receiving important account information necessary to maintain good standing\\n\\nI have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions  or lack thereof  constitute gross mismanagement, and I believe they violate my borrower rights under federal law.\\n\\nGiven that MOHELA is currently under investigation for systemic abuses, I am requesting:\\n1.\\tA full review and audit of my loan account(s) serviced by MOHELA\\n2.\\tA formal response detailing corrective actions to resolve the errors on my account\\n3.\\tFull discharge or forgiveness of the impacted loan balance(s) due to mismanagement and borrower harm\\n4.\\tCompensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors\\n5.\\tConfirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness (PSLF), or Fresh Start has not been compromised\\nPlease consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld.\\nI am including documentation to support my complaint, including correspondence with MOHELA, billing statements, and any records of prior applications or disputes. If additional materials or forms are required, please notify me immediately.\\nThank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker.\\nSincerely,XXXX XXXX XXXXnLoan Account Number: XXXXXXXX","date_sent_to_company":"2025-07-01T21:12:29.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"38018","tags":null,"has_narrative":true,"complaint_id":"14405681","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-07-01T20:51:29.000Z","state":"TN","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["Their negligence has not only jeopardized my financial <em>health</em>, credit score, and access to <em>federal</em> benefits, but has also caused immense stress. 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