How do you turn off two-factor?

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"If you already use two-factor authentication, you can no longer turn it off. Certain features in the latest versions of iOS and macOS require this extra level of security, which is designed to protect your information. If you recently updated your account, you can unenroll within two weeks of enrollment. Just open your enrollment confirmation email and click the link to return to your previous security settings. Keep in mind, this makes your account less secure and means that you can't use features that require higher security." [Source: Apple]

...found by searching Apple's Knowledge Base.

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If you just enabled it you have 14 days to opt out. Open the email confirmation you got and click the link to cancel. After 14 days there is no way to turn it off.