I have XXXX negative accounts on my credit report from XXXX XXXX Bank, XXXX, and those XXXX accounts have been on my credit report since XXXX. However, in XXXX XXXX, I received XXXX XXXX XXXX Cancellation of Debt forms from XXXX XXXX Bank. I had to pay taxes on the cancelled debt and XXXX XXXX Bank received a write-off on their federal taxes. I informed each of the credit bureaus of this issue and sent copies of the XXXX XXXX forms. I requested that the negative accounts be disclosed as charged off or completely removed, because I had to pay over {$2800.00} in taxes by adding {$2800.00} to my income, and my income was already over {$70000.00}. I understand that I failed to pay my credit cards in XXXX and I accepted having the negative accounts on my credit report ; however, when the debt was cancelled and I had to pay taxes on the debt and XXXX XXXX Bank received an XXXX deduction for the write-off of the debt the aforementioned debts should have been removed from my credit report. No XXXX citizen should have to pay taxes on his or her debts and still have the debt appear negatively on their credit report. 
