Back in 2011 I have received an offer for modification from bank of america. After numerous conversations Bank of America representative advised me to stop making payments in order to qualify for modification, and I was told that in case of modification being approved the lates would be removed from my credit report. However it has been 4 years since my approved modification and bank of america has not removed the lates from my report which they forced me to have in first place. Now I ca n't even refinance or sell my house due to their negligence and ignorance to my numerous requests. I hope this complaint will bring justice and have bank of america comply and remove lates reported erroneously in first place 
