Had a XXXX - XXXX XXXX XXXX home mortgage account that was refinanced on XX/XX/XXXX. 

As a build up to this 'refinance ' once in XX/XX/XXXX XXXX got ready to lock my rate and refinance and advised me that month 's payment would come from the closing proceeds. However when the rate lock did not happen I ended up paying XX/XX/XXXX mortgage out of personal proceeds. 

On a XXXX occasion a year later XXXX locked the rate in XX/XX/XXXX and completed the closing on XX/XX/XXXX. As per the process XXXX paid the XX/XX/XXXX mortgage out of the closing proceeds. 

However, ended up reporting both late payment as a my fault ( when I was clearly advised that loan closing month 's mmortgage would come out closing proceeds ) to the credit reporting agencies, which is impacting my credit score negatively. 

I have tried several time to talk to XXXX to correct this reporting and had faxed/sent a dispute letter on XX/XX/XXXX as well. 

However, until now there is no resolution to this issue and my credit report is impacted negatively.