There are XXXX agencies reporting that I owe them money and I have not even lived in the country for XXXX years plus. I would like these fraudulent charges to be removed from my credit score as it is greatly affecting me. 

XXXX ONLINE BANKXXXX XXXX, XXXX $ XXXX was living in XXXX XXXX at this time and it is IMPOSSIBLE that I opened up an account and I have never had a credit card with XXXX XXXX Bank XXXX 

XXXX AT XXXX XXXX, XXXX {$480.00} Again, I was living in the XXXX XXXX for XXXX years and I did not have the use of any XXXX XXXX XXXX service. I put my account on hold and they seemed to think it was ok to charge me when my phone had NO usage. They took my account off hold without my permission and started charging me.