how can I turn off TWO-FACTOR AUTHENTICATION

See the "Can I turn off two-factor authentication after I’ve turned it on?" section in:

Two-factor authentication for Apple ID - Apple Support

If you already use two-factor authentication, you can no longer turn it off. Certain features in the latest versions of iOS and macOS require this extra level of security, which is designed to protect your information. If you recently updated your account, you can unenroll within two weeks of enrollment. Just open your enrollment confirmation email and click the link to return to your previous security settings.