i can’t change privacy settings on xbox. com for windows 10. i can’t chat on online servers...

ive been able to chat online in public servers for a while now on my xbox account (i play on windows 10). but now im muted and the game tells me that i need to do something for my privacy on my microsoft account. ive been trying everything and trying to change my xbox account privacy settings but every time i submit everything to “everyone” it doesnt change. it just goes back to the way it was. the “join pubic servers” option is set to “everyone” but i still cant chat in minecraft on public servers. i can join them but no one can see my chats and microsoft cant help me and only sends me links to websites that i already tried. all i want is to chat on minecraft and get it over with because i dont know what wrong because its not being specific of what i have to do for my microsoft account (to be able to chat online). and theres no reliable websites that could help me with this issue. i tried to verify that my account is not a childs account but i dont have a family setting because my family doesnt go on microsoft and my computer is the only thing i own for myself. im not sure what to do anymore and if ill be able to chat on minecraft anymore. please help i dont know what to do. all i want is to chat with my friends online on minecraft.

:)