I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive. 
