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The issue in GetHuman1818532's own words
I have a pre-owned Xbox and my son use the account that was on the Xbox I had no idea I added my bank card on to this account we had no issues until today the person that had the account has put a password on it I have made my son add a new account but my bank information is on this old account I need it to be removed. Also my son has Xbox live gold pass on the old profile that we are locked out of now so now someone is getting Xbox live for free when my son is no longer having it because it's on the other profile that was on this pre-owned Xbox one x
GetHuman1818532 did not yet indicate what Xbox should do to make this right.
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