The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter. 
