Well, you are not going to get the problem fixed until you delete the iCloud account and sign back on with it again. Your photos are the most important thing to protect. I have deleted and re-signed onto my iCloud account many times and have never lost anything except an "extended" photo stream from doing so.
On that occasion, my Photo Stream probably had about a year's worth of photos. Of course, I had imported everything to my PC because I have iPhoto set up to import and save my Photo Stream, so it wasn't an issue. However, when I signed back on, my Photo Stream was only out there for the past month. That is because iCloud only has the last month or last 1000 photos (whichever comes first).
But if you save your any Photo Stream photos you might be concerned about to your Camera Roll, then you can delete the iCloud account. If you are nervous about losing your Contacts, you can keep them on the phone. Then finish the deletion of the account and then sign back on.
Cheers,
GB