In XX/XX/XXXX, I request which I had made to Bank of America to have my mortgage modified was granted. In XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, I was instructed that I would have to go through a trial period for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, to show that I would be indeed be able to make my payments as instructed. I was also instructed that during this period I should not pay more than the amount instructed as then I would not be in compliance with the terms of the modification agreement. I accepted this agreement and for those months, I made the payment amounts as instructed by Bank of America. My payments were made on time each month in the amounts specified. At no time was I informed by Bank of America that in making these modified payments, as instructed, my payments would be reported to the credit bureaus as being late. 
When I discovered that my payments for the above mentioned months had been reported as late, I contacted Bank of America. I requested that an explanation of some kind be sent to the credit bureaus as my credit was now very badly affected. A representative of Bank of America instructed me to send them a copy of my credit report indicating these late payments. I did so. I received no further communication from Bank of America, even after leaving messages for the person who had contacted me stating that she was my Customer Advocate. I was able to eventually speak to someone several weeks after the initial contact with the Customer Advocate. I was told that the Advocate had transferred to another department, thus the lack of follow-up from them. I again stated my case and made my compliant that I had not been informed that making modified payments would constitute late payments and this had never been told to me. 
On XXXX XXXX, I received communication from Bank of America stating that they can not remove the negative reporting from my file. 
