Custom built apps but not by me

I can’t change the settings at all cant uninstall or disable them. Apps indicate remote access.. what can be done. Please help. Factory reset doesn’t help. My unemployment, my banking, my Credit Karma and Facebook’s and emails all passwords changed she’ll app and countless others have full access and control my phone down to stop my incoming and outgoing mail, text, and call, as well as make them without my knowledge or consent. they also stop or reroute outgoing calls, emails and text.

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