Microsoft API not validating credentials to get a token to pass to sharepoint

I am having issues with try to communicate to a Microsoft API to facilitate getting a token to login to SharePoint. 

As of 8/1 we were using https://login.microsoftonline.com/extSTS.srf to post windows credentials to so that we could get a token and it stopped working.

We were using this template to post. 

<s:Envelope xmlns:s="http://www.w3.org/2003/05/soap-envelope" 
			xmlns:a="http://www.w3.org/2005/08/addressing" 
			xmlns:u="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd"><s:Header><a:Action s:mustUnderstand="1">http://schemas.xmlsoap.org/ws/2005/02/trust/RST/Issue</a:Action><a:ReplyTo><a:Address>http://www.w3.org/2005/08/addressing/anonymous</a:Address></a:ReplyTo><a:To s:mustUnderstand="1">https://login.microsoftonline.com/extSTS.srf</a:To>    <o:Security s:mustUnderstand="1" xmlns:o="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd"><o:UsernameToken><o:Username><%= username %></o:Username><o:Password><%= password %></o:Password></o:UsernameToken></o:Security></s:Header>  <s:Body><t:RequestSecurityToken xmlns:t="http://schemas.xmlsoap.org/ws/2005/02/trust"><wsp:AppliesTo xmlns:wsp="http://schemas.xmlsoap.org/ws/2004/09/policy"><a:EndpointReference><a:Address><%= address %></a:Address></a:EndpointReference></wsp:AppliesTo><t:KeyType>http://schemas.xmlsoap.org/ws/2005/05/identity/NoProofKey</t:KeyType><t:RequestType>http://schemas.xmlsoap.org/ws/2005/02/trust/Issue</t:RequestType><t:TokenType>urn:oasis:names:tc:SAML:1.0:assertion</t:TokenType></t:RequestSecurityToken></s:Body></s:Envelope>

And this was working but stopped working giving me the following error.

<?xml version="1.0" encoding="utf-8"?><S:Envelope xmlns:wsa="http://www.w3.org/2005/08/addressing" xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd" xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd" xmlns:wsp="http://schemas.xmlsoap.org/ws/2004/09/policy" xmlns:wst="http://schemas.xmlsoap.org/ws/2005/02/trust" xmlns:S="http://www.w3.org/2003/05/soap-envelope"><S:Header><psf:pp xmlns:psf="http://schemas.microsoft.com/Passport/SoapServices/SOAPFault"><psf:serverVersion>1</psf:serverVersion><psf:authstate>0x80048800</psf:authstate><psf:reqstatus>0x80048821</psf:reqstatus><psf:serverInfo ServerTime="2018-08-23T18:55:35.4093764Z">PROD-CHI-004.ProdSlices rid:66f4762e-ffa3-4214-a50a-cab3b0d02a00</psf:serverInfo></psf:pp></S:Header><S:Body xmlns:S="http://www.w3.org/2003/05/soap-envelope"><S:Fault><S:Code><S:Value>S:Sender</S:Value><S:Subcode><S:Value>wst:FailedAuthentication</S:Value></S:Subcode></S:Code><S:Reason><S:Text xml:lang="en-US">Authentication Failure</S:Text></S:Reason><S:Detail><psf:error xmlns:psf="http://schemas.microsoft.com/Passport/SoapServices/SOAPFault"><psf:value>0x80048821</psf:value><psf:internalerror><psf:code>0x80048821</psf:code><psf:text>AADSTS70002: Error validating credentials. AADSTS50126: Invalid username or password</psf:text></psf:internalerror></psf:error></S:Detail></S:Fault></S:Body></S:Envelope>

so I found a stackoverflow question that was refrencing a node.js project that gave me a diffrent option.

https://stackoverflow.com/questions/51783545/login-to-sharepoint-online-failure

https://github.com/s-KaiNet/node-sp-auth

In that code i found out there was 2 processes for loging in based on your "Realm" the Managed one is the process I explained above. I found that my account was returning "Federated" meaning i should use the ADFS route to authenticate. So i started on working on that.