Dear XXXX, I have several accounts with Citibank , NA that were sold or charge offed in XXXX : - Sears XXXX -Citi XXXX -Citi Thank You Card All these accounts were settled in XXXX via a debt collection agency. I attempted to pay Citi directly but they refused because they apparently sold the debt to various companies. My complaint is for Citi to remove these charge offs from my credit report. These are the only delinquent items standing between me and a new home. My mortgage provider has stated these charge offs will result in extra interest fees through out the life of the loan. Not to mention, they also stated your chances of getting a new job, might be slim due to these charge off accounts listed on my credit report. I am asking for a simple request for Citi to remove these negative items off my credit report, so I can live stress free. These dark clouds from my past keep coming back, and Citi is the only company who does not help the situation. I have restored my credit and financial position since XXXX. Not to mention I have been a Citibank client since XXXX and will continue to do so. Please help me in my quest to get a new home. Have a good day and thank you for listening. 
