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Locked out of computer after creating Microsoft account
I am not computer savvy but I downloaded Windows 10 and created a Microsoft account. I wrote down the password. The next day a log in screen appeared (which I never had before) so I tried to log in. My password didn't work. I tried everything. I called the Help desk and filled out a form and emailed it in. They are not able to help me at all!!! Told me I have two step verification and they would have to download a program to my computer and I will lose all my software.
I cant afford this. There must be another way. Like I said, I am not a technical minded person at all but this seems to be a bit absurd. Does anybody out there have an answer and why is this such a problem. Thanks !!