Can't access realms at all (realms is the only reason my group still plays Minecraft, love the work you're doing, but without multiplayer it's just not worth it).

Whenever I go to the app on the Xbox one to open my account, it says:

"error - You cannot play online multiplayer through Xbox Live because of how your account is set up. This can be changed in your privacy & online safety settings on xbox.com".

I have followed the link and have changed the required settings multiple times, I'm not a child, I don't have a child account, I'm 27. But for some reason it still wants me to change settings, that are already changed as directed.

I can't get on to realms at all. This has been a long term issue, to the point where I haven't accessed the realm I'm paying for for 1.5 months!!

Please sort this, I'm in isolation and really bored!