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> banned by Microsoft for breach of TOS, whatever that might have been

FWIW, I had the same thing happen and found out the ban reason was "fraud (please insert phone number)".

MS also banned me from playing Halo Infinite after a few days due to "Fraud (please insert phone number)" even though I'd done absolutely nothing suspicious --just played the game. So, naturally I deleted it and haven't looked back.

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