Dear @Dee,
Thank you for posting your question in the Microsoft Q&A forum.
We apologize for any inconvenience you may encounter when using our services/ products. Based on your description, kindly try these following steps:
Create a local account (not tied to Microsoft) to get back in and then add your Microsoft account later:
Settings > Accounts > Other users > Add account > “I don’t have this person’s sign‑in information” > Add a user without a Microsoft account > set a password.
Local accounts are not affected by the “Only allow Windows Hello…” toggle.
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