Hmm. Do you have One Drive folders? Even if it's disabled, the game can still use the folders. Mine did. So on my computer I have a copy of the files in my documents, but editing those does nothing because the game isn't using them. There is another copy of all the game files in MYName/OneDrive/Documents, and that is the one my game uses. I figured it out after attempting to edit the neighborhoods in Documents and nothing changing. After editing the ones in the OneDrive/Documents folder instead, my game did what I wanted it to do.