Thank you for those additional details, Tryinginaustin.
You mentioned having toggled it off and back on. To confirm, did you turn off iCloud Photos in Settings > [your name] > iCloud > Photos? If so, this will cause your photos to sync with iCloud and cause this prompt to appear. In addition to the steps you've already completed, have you restarted your iPhone and confirmed you're running the latest iOS? If not, these steps would be the right direction for resolving this issue. You can find the steps for restarting your iPhone listed below.
Restart your iPhone
1: "Press and hold either volume button and the side button until the power-off slider appears.
2: Drag the slider, then wait 30 seconds for your device to turn off. If your device is frozen or unresponsive, force restart your device.
3: To turn your device back on, press and hold the side button (on the right side of your iPhone) until you see the Apple logo."
The steps for updating iOS can be found in the following article.
Update your iPhone, iPad, or iPod touch
Let us know how that goes!