I had to stick with chat, because the links that it gave me to chat with someone at M$ did not have any of those options. My past 2 experiences with chat were not that successful. First one I gave up on after 2 days and went to the web and found a video that helped me solve the problem with just...
when I sign in i get the message I can't use a personal account. But still in private window.
Also your recommendation to chat with with a human doesn't work. there is no option to chat/callback.