I had a credit card with XXXX XXXX which had a charge for a service which I did not receive. I refused to pay the charge and closed the account. They show a charged off account on my credit report. This is a disputed charge for a service I did not receive and it should not be on my credit report. Though the amount was much smaller, XXXX XXXX kept adding interest and late charges and the total charge wound up to be {$550.00}. I was in a local hospital XXXX. During this time, I was XXXX got sicker as a result ... wound up sick for nine week. I called the hospital, complained and refused to pay my share of the bill ... {$150.00}. The hospital sent the bill for collection and it wound up on my credit report. XXXX these items are disputed charges which XXXX XXXX Bank, the vendor involved and the hospital have refused to dismiss even though they were not legitimate bills and should never have been due and payable. I have asked Trans Union and the other credit reporting companies to remove these charges from my credit report, but they consistantly refuse. My credit, which should be exemplary, has been destroyed for uears as a result.