<prompt> Human: Two years ago I was shopping at Victorias secret when one of the sales girls suggested I signup for a VS angels rewards card. I assumed it was just another store rewards cards where you get points everytime you buy and then you can redeem the points for free gifts etc.Turns out it was a credit card and I wasnt aware of that. She asked me to type in my SSN and I typed it without knowing and being completely unaware of the credit card signup process I am not a US citizen and this happened when I moved to New York City two years ago with a job.So I got a card and didnt use it but then I got a call from some bank saying I owe 50 on the card. I said no and asked them to cancel that card since I didnt ask for it and they said they will cancel once I pay 50. So I paid it and then the next month I got another call with another 50 charge which made me very angry and I refused to pay. They suggested negotiating a lower price but I adamantly refused to pay saying theyre being fraudulent. It was a bank called comnety bank that apparently manages VS angels credit cards.Anyway, the man on the phone promised me he will cancel my account and I ended up forgetting this issue. Now recently I checked my credit report and it says I have this account as a negative remark because it has 150 in collections and also a 30 day past due remark for October. I am so furious now and I called this bank and Victorias secret customer service but they are unable to give me any resolution. I feel that this is very unfair so is there any way for me to get this removed from my credit report. I am about to rent a new apartment in Manhattan and I cant afford to have bad credit.  <response>: Unfortunately accidentally opening a card cant really be turned back. The minute you put in your social you signed up. You should always question when you are asked for your social.That aside, comenity bank is a mass push card. They back stores and get as many people to sign up as possible with a 24 or higher apr. They backed the airline I used to work for as well.You may have a few options. Comenity keeps calls for 1 year so you could escalate through the company and have them pull the call to hold or their deal. Get that in writing and use it to file with the credit bureau for removal of negative marks.If they are continuing to bill you after you paid you may be able to make a FCA fair credit act complaint.If you contact the collections agency you may be able to work out a pay to remove for the collections mark. This is an easy method but you HAVE to get it in writing or a collections agency is likely to not remove. This method however wont remove the charge off or the missed credit history so your credit will remain damages.Im sorry this is happening to you. I know how hard this can be going forward. 