It keep saying my account has been disabled and I need help.

Contact Apple support. See the instructions in: https://support.apple.com/en-us/HT208856

See these additional possibilities: 

__________

See this document If your Apple ID is locked or disabled https://support.apple.com/en-us/HT204106 "If you or someone else enters your password, security questions, or other account information incorrectly too many times, your Apple ID automatically locks to protect your security and you can't sign in to any Apple services.

If you use security questions with your Apple ID, or if you don't have access to a trusted device or phone number, go to iforgot.apple.com. Then you can unlock your account with your existing password or reset your password. After multiple unsuccessful attempts to unlock your account, your Apple ID will remain locked and you can try again the next day.”

__________

See If you forgot the passcode for your iPhone, iPad, or iPod touch, or your device is disabled  https://support.apple.com/en-us/HT204306, especially the section entitled Remove your passcode. 

If you don't have a computer as mentioned in Remove your passcode, then "borrow one from a friend, or go to an Apple Retail Store or Apple Authorized Service Provider." Of course the last option usually is not available now.

Later the document says: "If you can't update or restore your device using recovery mode, or you can't use recovery mode because of broken or stuck buttons, contact Apple Support. Then follow the steps to set up service for your iPhone, iPad, or iPod touch."

__________

See If your payment method is declined in the App Store or iTunes Store https://support.apple.com/en-us/HT203005

See Change, add, or remove Apple ID payment methods https://support.apple.com/en-us/HT201266Need more help? Contact Apple support for help here: Get started

____________

See Turn off Activation Lock https://support.apple.com/en-us/HT201441If this is your problem and you or someone else erased you device without signing out of iCloud first, then you will be unable to answer the pertinent security questions. For this reason, we will be unable to help you unless you have an extenuating circumstance (e.g., you have the receipt for the purchase of a pertinent device with its serial number on it). If you think you have an extenuating circumstance, then post back.

__________

Account Recovery—Two Factor Authentication

“If you can’t sign in, reset your password, or receive verification codes, you can request account recovery to regain access to your account. Account recovery might take a few days or longer, depending on the specific account information you can provide to verify your identity. “After you request account recovery, you'll get an email with a confirmation of your request and the date and time of when you can expect to regain access.” … When the wait period is over, Apple sends you a text or automated phone call with instructions to regain access to your account. Follow the instructions to immediately regain access to your Apple ID.”