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I received an email XX/XX/year> stating they receive my request, and I received another email XX/XX/year> that provided instructions for placing the security freeze on my account. The email that I received XX/XX/year> was addressed to a different name. In the email, they listed a three step process to place the security freeze step one and the process required me to enter my full Social Security number and date of birth. I wasn't comfortable entering my Social Security number and date of birth responding to an email that was addressed to another person. \n\nYou're not able to contact blend insights representative by telephone. A voice recording instructs you to leave a message giving all of your personal information and the message states that someone will be in touch with you. It never says when someone will be in touch with you. \n\nI started this process XX/XX/year> filling out there contact us section on their website and as of XX/XX/year> I still haven't received a copy of my report or any confirmation that the security freeze was placed on my file.","date_sent_to_company":"2025-03-24T17:49:26.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"45011","tags":null,"has_narrative":true,"complaint_id":"12621086","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Blend Labs, Inc.","date_received":"2025-03-24T17:27:37.000Z","state":"OH","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"sort":[1.0,"12621086"]},{"_index":"complaint-public-v2","_id":"12233355","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX  Please freeze my credit report or anything pertaining to me Thank you XXXX XXXX XXXX","date_sent_to_company":"2025-02-26T14:48:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63385","tags":null,"has_narrative":true,"complaint_id":"12233355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blend Labs, Inc.","date_received":"2025-02-26T14:48:02.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"12233355"]},{"_index":"complaint-public-v2","_id":"11837269","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"","date_sent_to_company":"2025-01-30T06:15:16.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"34209","tags":null,"has_narrative":false,"complaint_id":"11837269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blend Labs, Inc.","date_received":"2025-01-30T05:47:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"sort":[1.0,"11837269"]},{"_index":"complaint-public-v2","_id":"11814169","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"QWR, DVR and Complaint against Servicers and debt collectors XXXX XXXX and Sub Originator, Servicer and Debt Collector Blend Labs , Inc for violations of FDCPA, TILA, RESPA, UCC, making false statements to the Government Agency, illegal use of unregulated artificial intelligence for criminal purposes and other misconduct. Both Companies are part of Servicing and Debt collection team, thus are servicers and debt collectors under RESPa and FDCPA. Blend Labs and all hidden parties must be disclosed to me under TILA as well as compensation received by them for originating my faux \" VA Loan Transaction '' On XX/XX/XXXX I spoke with call center XXXX XXXX XXXX XXXX who impersonated as a Lender who can sell me VA guaranteed loan ] and its employee XXXX XXXX. \nXXXX provided me a link to \" secured website '' which was owned and operated by suborigiantor, servicer and debt collector Blend Labs, inc. which is fully integrated into XXXX XXXX XXXX XXXXXXXX Servicer and debt collector XXXX XXXX XXXXXXXX XXXX. \nI signed the Contract provided to me by Blend Labs , Inc, not with call center XXXX XXXX XXXX XXXX. Blend Lab - who was the ACTUAL suboriginator - forwarded my Application to originator XXXX whose fully automated Mortgage Servicing Platform XXXX XXXX  program and faux branch XXXX generated false \" Flood Map Determination ''. XXXX 's XXXX prepared faux \" loan documents '' ; provided me \" Commitment Letter '' from XXXX XXXX XXXX XXXX XXXX [ fully owned by hedge fund XXXX XXXX ] ; and illegally inserted XXXX XXXX aka Intercontinental Exchange ] as a Mortgagee. \nClosing Disclosures were automatically generated by fintech company XXXX and did NOT disclosed the REAL originator XXXX ; suborigiator Blend Labs ; Caliber - whose commitment Blend Labs sent to me via its \" secured website '' and XXXX XXXX who was the 100 % owner of Caliber Closing Disclosures were forged to remove Pacific Time Zone where they were forwarded to Blend Labs who generated them to me via \" secured email '' All these documents were sent by suboriginator, servicer and debt collector Blend Labs to the closing Agent XXXX XXXXXXXX XXXX XXXX did not participate in any part of my transaction other than forwarding to me link to Blend Labs , Inc and providing its name for faux documents.\n\nSince my transaction was so-called \" VA Guaranteed loan '' it must be FUNDED by XXXX XXXX  and SOLD to XXXX. It never happened because XXXX was not the lender, did not fund the loan and never sold anything to XXXX or anyone else. \nBlend Labs generated a forged XXXX XXXX XXXX on my closing day, XX/XX/XXXX, without any disclosures to me XXXXXXXX XXXX  was not the Creditor and did not owned my alleged \" DEBT '' to have any authority to hire XXXX XXXX XXXX XXXX XXXX whose employee XXXX XXXX attached forged signatures on fraudulent and illegal \" Assignment of Mortgaeg '' on XX/XX/XXXX when XXXX became XXXX XXXX XXXX who is fully responsible for this Assignment under \" respondeat superior, '' meaning \" let the master answer, ''","date_sent_to_company":"2025-01-28T08:04:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"11814169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blend Labs, Inc.","date_received":"2025-01-28T08:04:36.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"sort":[1.0,"11814169"]},{"_index":"complaint-public-v2","_id":"10990655","_score":1.0,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I attempted to obtain my consumer report from Blend Insights , Inc., as listed on the CFPB 's companies list. I completed the required steps, including filling out my information both online and by mail. However, I have not received any response or confirmation from Blend Insights , Inc. regarding my request. \n\nSimilarly, my sister also submitted a request for her consumer report by mail. However, her letter was returned by USPS, and she has not received any communication from Blend Insights, Inc. regarding her consumer report. \n\nIf Blend Insights , Inc. is not providing consumer reports to consumers, it raises questions about why they are listed on the CFPB 's companies list as an entity subject to consumer report requests. This lack of response suggests they may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to access my consumer report upon request.","date_sent_to_company":"2024-12-02T10:24:38.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"77016","tags":null,"has_narrative":true,"complaint_id":"10990655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blend Labs, Inc.","date_received":"2024-12-02T10:14:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"sort":[1.0,"10990655"]},{"_index":"complaint-public-v2","_id":"10946833","_score":1.0,"_source":{"product":"Debt collection","complaint_what_happened":"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. \nAs 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. \n\nI 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. \nI never signed any contracts and agreements with XXXX since all documents and activities were done by other companies- XXXX, XXXX, Blend, XXXX. \nI 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. \nPlease 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. \nPlease 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. \nPlease 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? \nProvide 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. \nProvide me names of authorized employees of XXXX and Blend who have personal knowledge about these transactions.","date_sent_to_company":"2024-11-28T11:33:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"10946833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blend Labs, Inc.","date_received":"2024-11-28T11:33:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not 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