Windows 2.0 multiplayer issue

When my wife clicks Join Game a pop up appears saying "Change your settings to play - You can't play with content created by other players because of how your account is set up. Go to your privacy & online safety settings on Xbox.com to change this." Before 2.0 this never came up. Her settings haven't been changed since forever. All her settings are set to allow and always have been. Less than a week ago we played in 1.4 with no issues. Is this a bug that needs fixed on your end? This is super frustrating please help us resolve this.
 
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