Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blend Labs, Inc.
State: IL

Complaint narrative:
Complaint, DVR, QWR and demand for disclosures under TILA against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as successor for XXXX XXXX XXXX XXXX ( " XXXX '' ) and against Blend Labs , Inc ( " Blend '' ) who was the real sub- originator and real sub- servicer of my alleged " VA Guaranteed loan '' Under CFPB rules XXXX companies are Servicers under RESPA and TILA 15 USC 1641 requires servicers to provide names and direct contact information for her Creditors who own the debt by paying value for the debt Blend Labs XXXX Inc XXXX XXXX XXXX servicer, real sub-originator of my transaction and part of debt collection and servicing team, thus a debt collector On XX/XX/year> I spoke with XXXX 's XXXX XXXX XXXX [ who pretended to be a " lender '' ] XXXX XXXX emailed me a link " Apply now '' and " Upload documents '' to XXXX Company Blend which is seamlessly integrated into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Processing XXXX XXXX XXXX XXXX Mortgage Servicing XXXX XXXX who was the actual Master Originator and Master XXXX Servicer who issues referrals, instructions and fabricate documents to XXXX sub-originator /sub-servicer Blend to provide them to homeowners and closing agents under glimpse of faux " lender '' XXXX, [ now XXXX XXXX who did not participated in any transactions with me in any capacity - other as a call center whose employees distribute links " Apply now '' to Blend 's platform. 
As the result, ALL faux " loan '' documents for my closing, with MERS inserted as faux " Mortgagee '' and " nominee for XXXX '' were prepared by various XXXX companies like ServiceLink ( Flood zone determination ), Neostella ( whose bots prepared Closing Disclosures without any disclosures of real parties ) under referrals and instructions from XXXX 's XXXX who forwarded these documents to Blend whose platform sent these faux documents to my closing Agent and presented to me to sign in favor of faux " lender '' XXXX. During all time in question all aspects of my alleged transaction were handled by XXXX and XXXX acting via XXXX. 

I had no clue about XXXX, XXXX Blend, XXXXXXXX XXXX  XXXX, and other companies with whom I unknowingly was conducting business - because XXXX 's bots did not included them into Closing Disclosures and the real sub-originator Blend misrepresented XXXX as my alleged " lender '' even though my all contact with XXXX was a single phone call with XXXX XXXX who passed me the link " Apply Now '' to sub-originator Blend. 
I never signed any contracts and agreements with XXXX since all documents and activities were done by other companies- XXXX, XXXX, Blend, XXXX. 
I demand to provide me disclosures under whose authority Blend entered into a contract with me as the real sub originator of my alleged " highly regulated VA Guaranteed Loan '' Please provide me copies of any and all contracts, documents, email, memoranda, letters, minutes, ect evidencing that Blend was hired and received documents, instructions and compensation from XXXX and acted under authority of Perl/CCM Please provide me any any and all contracts, documents, email, memoranda, letters, minutes, ect evidencing that Blend was authorized by the Department of VA to originate and service my alleged " loan '' and provide me copies of such authorization. 
Please disclose ALL companies who were actually the real parties in my transaction, starting from XX/XX/year> to present time Please disclose if XXXX, XXXX, and any other companies received documents and instructions and payments for services from XXXX XXXX XXXX my transaction. 
Please disclose if Blend received from XXXX and sent {$130.00} or any funds to XXXX XXXX of XXXX or to XXXX XXXX XXXX to pay off the prior transaction on my behalf. Disclose the source of these funds. Provide me a copy of wire transfer receipt, cancelled check, ACH evidencing LOAN from XXXX. 
Please disclose that Blend did with my closing file after I signed faux " loan '' documents prepared by XXXX 's XXXX. Did Blend kept them for themselves? did Blend forwarded it to XXXX? Did Blend forwarded them to XXXX? 
Provide me hard copies of ALL agreements, contracts documents prepared by XXXX or under directions and authority of XXXX evidencing a contract between me and XXXX Please provide me hard copies of all my contracts with Blend and documents generated by Blend in my transaction or received by Blend from other XXXX companies. 
Provide me names of authorized employees of XXXX and Blend who have personal knowledge about these transactions.

Company response to consumer: Closed with explanation