Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX , California , XXXX Last four digits of my SS : XXXX Phone # : XXXX XXXX XXXX File # : XXXX Reason : A Dispute against XXXX XXXX Bank Claim-Documents are provided I am writing this letter to explain why I am disputing XXXX XXXX Claim against me for my loan account with them that ends with XXXX. 
At the end of XX/XX/XXXX, I asked the bank to lower my monthly payment due to the Covid pandemic. I spoke to the bank representative on the phone. The bank has agreed to reduce my monthly payment to {$370.00} to start paying on XXXX. The bank has also asked me to stop paying the original amount and told me I would be receiving a document from them with the new agreement to sign and return to them by regular mail to become active. I waited for the paper to arrive and nothing arrived. After 15 days and by mid-XXXX XXXX, I called the bank again, telling them I haven't received the document and am willing to start the new payment on XX/XX/XXXX. The bank representative told me that I couldn't make the new payment until I signed their new agreement document and said that the bank would send the paper again to my address. I waited for another 20 days, and I received no mail from the bank regarding this issue. In the meantime, I received other mail from the bank regarding my other accounts with them but nothing regarding the new payment agreement document for my loan. 
I called the bank again and insisted on speaking with an account manager. After asking the bank representative more than five times to talk with a manager, they connected me to the bank executive office and spoke to Ms. XXXX. I had to tell her my story from the beginning, and she gave me my case number with the bank executive office, and it is XXXX. Ms. XXXX also told me they would contact me later on, and the process may take time. I kept calling them after every week, and I learned that Ms. XXXX XXXX would be working on my case. She is the research and Remediation Analyst. 
Ms. XXXX could not believe what was going on and asked me to pay the bank the new agreement payment XXXX on XX/XX/XXXX, and I did. She said that she would be working on my case, maybe until XX/XX/XXXX. I kept contacting Ms. XXXX many times to get any updates, and she also called few times to give me new updates. 
Finally, I got a call from Ms. XXXX to inform me that she is trying to get the document to a branch near me so I can go there and sign it. While I was waiting, and on XX/XX/XXXX, I received the bank 's new agreement document. I signed it, sent it back to the bank, and informed Ms. XXXX about what happened. 
The new agreement was to start making the payment again on XX/XX/XXXX, with {$370.00}. Immediately, I have directed XXXX XXXX bank to complete automatic monthly payments from my checking account to my loan account of {$370.00}. 
Today, XXXX, I received an Alert ( Derogatory Trade ) from XXXX XXXX company. XXXX XXXX Bank has reported my loan account to the Credit bureau agencies, and my credit score has now been ruined. 
What has happened to me is not fair. 
I want you to please investigate my case, and I want my credit score to go back as it used to be with all the Credit bureau agencies. 
I am working hard all my life to maintain a high credit score that is now unfairly treated and ruined. 

I am attaching all the required documentation to investigate my case. 

Sincerely, XXXX XXXX XXXX