It will not allowe me to update
Why is my phone saying it will not update cellular data
iPhone XR, iOS 14
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Carrier Update (Required): Released by your Cellular Service provider (Carrier Update), affects your Outgoing / Incoming calls, SMS, Data etc..
How to Update Carrier Settings
You can manually check for and install a carrier settings, update with these steps: Make sure your device is connected to a Wi-Fi or cellular network. Tap Settings > General > About. If an update is available, you'll see an option to update your carrier settings.
Update your carrier settings on your iPhone or iPad - Apple Support