I’ll let the title speak for itself. Having finally fixed the issue for myself (clubs and auction house blocked) and knowing how painful it was to find the info I needed on the official help forums, I’m writing this as a sort of guide to help people with the same issue as me.
This does not fix parental controls for a child Microsoft account, but it does unlock the auction house and clubs in-game.
It’s actually really simple. You log into the safety settings for your Xbox live account (the link on the official site is WRONG. The CORRECT one is HERE: Sign in to your Microsoft account) and go to the second settings tab named “windows 10/Xbox live settings” (or something like that - it’s the middle tab) and select ALLOW for all of the BLOCKED options.
Click submit at the bottom and wait for the button to return to a clickable state. Refreshing the page or closing the tab before it returns to a clickable state will reset the changes you have made. So make sure you wait.
After it returns to a clickable state I would recommend refreshing the page and double checking that it has actually worked. To be extra sure that the change has worked, you can sign out, sign in again and then double check.
Now, you’re done. Close the game and re-open it, and it should allow you into the auction house and clubs!
If it doesn’t work, let me know here. I’ll try to find out why if you’d like. I know how frustrating it is to have an issue, not know why it has to be an issue at all, and then struggle to fix it.
I hope this helps!