App Store issues

I just purchased a barely used iPhone XR from an acquaintance. I reset the phone to factory settings and then created my own Apple ID. There is no SIM card inserted yet but I have filled in my email. I tried to install an app eg Instagram, filled in my Apple ID password as requested and then there was a message that popped up saying that I should review my account’s data or something like that. Once I clicked on the review button it led me to a setting-like page that had to do with payment methods. Even though I had opted for no payment it still required me to fill in fields such as card number, address, zip code etc and would not let me proceed without filling in this information. I have tried resetting my phone again as well as signing out and in again in the account but this does not seem to work. I have also tried changing the settings of the phone about payment but it is set in the option of “none” and still presents the issue. Any further suggestions?