Hi Mary,
Sorry for the delayed reply and thanks for updating and sharing to help us better understand your situation.
According to your description, may I confirm that if you try to go to www.office.com with your work or school account?
If my understanding is correct, I did a test on my side, the test result shows that when you type your work or school account directly in www.Office.com login page, it will work fine, but when I type Microsoft account first instead, after sign out this personal account, I got the same message when I try login with my work or school account once again:
Therefore, you can access www.portal.Office.com or www.Office.com directly with your work or school account. But You may encounter an error message when you type work or school account in a Microsoft account login page.
This is an example screenshot of school or work account login page:
For more detail about personal account and work or school account, you can refer to:
What is a Microsoft account and a work or school account and how do I get one?
Please have a try and share the result with us.
Best Regards,
Higgins