I’m locked out of my iCloud account and don’t have my 28 digit recovery key

You’ll need your key or another trusted device that is already logged into your account (to generate a new key). Otherwise, you will be forever locked out of your account.

see, Set up a recovery key for your Apple ID - Apple Support

suzi231 Said:

"I’m locked out of my iCloud account I accidentally erased my iPhone 11 now I don’t have my recov key 28 digits"

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Troubleshooting a Locked Apple Account:

If you are locked out, then contact Apple Support, to get back in.

Visit this Link: If your Apple ID is locked or disabled - Apple Support

Why Accounts Become Disabled:

When your iTunes Account has been disabled, and that often happens due to suspicious activity --- Perhaps nothing on your part. They disable it for no more than Security & Privacy concerns.

Possible Reasons Could Include: 

• Too many unsuccessful login attempts
• VPN (Virtual Private Network) usage
• Consistent transactions
• Session Times Out
• Disobeying Terms & Conditions

So...

To Re-Enable it:

As you might suspect, no one here would know the reason for this occurrence, of course. So, contact Apple Support. They’ll know why this occurred and will run you right through the fix.

Contact Apple Support:

• Contact Us - Choose Locations
• Proceed from there as necessary
• Note: Phone calls are taking a bit to go through at the moment, due to lots of calls. With the Coronavirus Pandemic, many are at home at the moment, with much time on their hands to contact Apple. So, just stay on the line, and you will get through :)