When is it ready to play?

I think it varies from game to game, probably depending on memory size. I'm sure when I started downloading Hardline I started playing after about 30% but after the first level it stopped and put me on a waiting screen.

Last night at from about 6pm-9pm. Been reading that it is kinda common. I plan on playing the Campaign tomorrow morning and hopefully everything works fine with that mode.

I personally haven't had any issues with the multiplayer match results. My XP unlock had been pretty constant. Is it possible you could provide a screenshot displaying the error message of the issue you're experiencing?

There's nothing to be really mad about, trust me, all games end up having their problems no matter who develops and publishes them. Gears 5 is expected to get updates pretty frequently, so in as little time as a week if you report the issue it could be hot
fixed or the XP could be returned to your account. Most game service backlog XP during issues and "fix" the XP issue after the errors have been addressed. So I assure its nothing to be worked up about.

Consider uninstalling the game, clearing your Xbox's local storage cache to free up memory and internet traffic, and reinstalling it. Or simply, clearing the cache and restarting the console and just keep playing the game without worrying about it for now.
You could try out the campaign, its phenomenal.

How long ago was this? There were definitely some issues at launch with these kind of things but it is a lot better recently.

Hi!

You can report that issue here:

https://support.gearsofwar.com/hc/en-us/sections/360006414912-General