two factor was just turned on in error and I do NOT want this active

Two-factor authentication for Apple ID - Apple Support

Can I turn off two-factor authentication after I’ve turned it on?

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.

If you just turned it on you should have gotten a confirmation email. There is a link in the email to turn it off, but you only have 2 weeks to do so.

Note that if you don’t have it enabled a number of secure features of your iPhone will be disabled, such as Keychain, which remembers your sign in passwords for websites and apps, and Apple Cash in the wallet app.