Hi Donnette
Welcome to Microsoft Community.
I realize that you've encountered a problem with " Cannot sign in to personal Microsoft account ", and I understand how you feel. Don't worry, I'll do my best to help you.
According to your description, you cannot log in to your Microsoft account and you keep receiving error messages. It doesn't matter. You can contact Microsoft support online or by phone according to the steps I provide below. There will be a specialist there to help you solve the problem of not being able to log in to your account:
You need to follow the steps I provide below to contact support (I've taken screenshots of the key steps to make sure you're doing it correctly) You can choose to chat with support one-on-one online or wait for a support specialist to call you back to resolve your account-related issues:
One thing that needs to be explained is that I, as the forum agent, do not have the authority to help you verify the payment or account directly, so as not to expose your private information to the forum, which is a platform for sharing and communicating publicly. This information would be left with chat support in a separate window:
Contact Microsoft Support:
- Visit this website: Contact - Microsoft Support
- Type your problems in the search box there. ( For example, MSA.)
- Now click on Get Help and select Contact Support below.

- Go to the Products & Services tab and choose the Microsoft 365 and Office category
- On the Category tab, choose Account sign-in questions.
- Go to Confirm.
- Choose to chat with a support representative or request a call back.

Note: The support contact team only works at certain times, so if the last window shows that it's unavailable, try opening it again the next day. If you prefer phone support, you can leave a phone number. This way, they can call you and help you.
Feel free to share updates with me on how things are progressing after you've completed the aforementioned steps. Should you have any questions or require clarification, do not hesitate to reach out to me. I‘d like to do my utmost to assist you.
Best regards
Adrian.C-MSFT | Microsoft Community Support Specialist