In 2005 my husband and I opened a safety deposit box account with a Bank of America in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Bank of America branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all BoA bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed. 
