Hi Otter. I'm Greg, 10 years awarded Windows MVP, specializing in Installation, Performance, Troubleshooting and Activation, here to help you.
Did you try removing it in netplwiz, restart PC, then go back and set it up again: https://www.tekrevue.com/tip/skip-windows-10-lo...
The account is likely corrupted. You can Test a new account by creating a new Local Admin account in Settings > Accounts > Family & Other People > Other. See here:
How to create local account on Windows 11 • Pureinfotech
Sign into the new account, set up netplwiz to test if the problem persists, if not then move your files over, test that all programs work or else reinstall them, then when ready delete the old account in the same place.
You can then change then new Local Account to your Microsoft account if desired in Settings > Accounts > Your Info > Sign in with a MS Account Instead.
Feel free to ask back any questions. Based on the results you post back I may have other suggestions if necessary.
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