This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention. 
