My Xbox account and my Microsoft account are separate accounts but they have the same exact...

right, I probably should of done that first. but still It's good to know if anyone knew anything about the issue I was having.

Have you tried messaging the xbox support?

Hey Armando

Thank you for taking the time to post this on the Xbox Forums. We understand that you are currently experiencing difficulties with being able to use your account across multiple devices.

There is a way to verify your email account on your console, you can even configure it to allow you to

see it on your Home Screen.

Alternatively, you can launch the Microsoft Edge app while you are signed in on your account on your console, and review the info on your
Microsoft Account. This will allow you to sign in automatically to identify exactly what is the difference between these two accounts of yours.

I hope this helps.

We each have our own separate gold accounts, which is why it confused us to see that accessing the cloud storage shows the exact same amount of storage space, with the exact same amount of used storage - and here's the clincher: MY saved games appearing
in the storage, whether I'm logged in to my account, or she's logged in to her account.

The Microsoft account and the Xbox account are basically one in the same. There is no separating them. If you wish to have separate accounts, then one of you will have to start from scratch with a brand new account.