Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX ( issued by XXXX XXXX XXXX XXXX  & serviced by XXXX XXXX XXXX and XXXX Credit Card ( also issued by XXXX XXXX XXXX XXXX  & serviced by XXXX XXXX ) for multiple violations, including illegally blocking my account access, unfair credit reporting practices, and deceptive business conduct. Both companies have engaged in unfair practices that have severely harmed my financial standing, caused extreme emotional distress, and put me in a deep XXXX. 

XXXX XXXX has intentionally blocked my access to my account after I filed a complaint about their incorrect credit reporting. They refused to issue me a new card and are now requiring me to answer whether I have a lawyer before they will allow me access. When I responded " I dont know, '' they stated that if I have legal representation, I can not access my account. This is clear retaliation for exercising my consumer rights and a direct violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. They are intentionally trying to trap me in a cycle of late fees and negative credit reporting. 

XXXX and XXXX are both falsely reporting my account status, making my credit appear worse than it is. They continue to charge late fees and over-limit fees while blocking my ability to pay. They have also reported my account as delinquent, even though their actions have prevented me from making payments. Both companies have refused to provide account statements, preventing me from managing my account and verifying the charges against me. This has severely damaged my credit score, affecting my ability to move and obtain new housing. 

This situation has put me in a deep XXXX, caused extreme stress, and negatively affected my daily life. I have spent over 20 hours trying to resolve this issue, and it has impacted my financial security and prevented me from moving. The stress from their illegal actions has taken a serious toll on my XXXX XXXX XXXX well-being. 

I have attached screenshots showing my account status as N/A ( blocked access ) and call logs proving multiple attempts to resolve this issue. If the CFPB requires further evidence, I am willing to provide additional details. 

I am requesting a minimum of {$10000.00} in compensation, including but not limited to {$1000.00} per FCRA violation for false reporting, {$1000.00} per UDAAP violation for blocking access and deceptive practices, {$2000.00} for the 20+ hours spent disputing this issue, and {$5000.00} for emotional distress, XXXX, and harm to my credit. 

I demand immediate corrective action. XXXX and XXXX must restore full access to my account immediately, remove all negative credit reporting caused by their actions, refund all unfair fees charged while my account was blocked, and provide written confirmation that these issues have been corrected. If they fail to comply within seven business days, I will escalate this matter further by filing complaints with the Federal Trade Commission ( FTC ), the State Attorney General, and pursuing legal action. The CFPB must take immediate action against these companies to prevent them from continuing these deceptive and harmful practices.