Hey there Dave,
Sorry to hear you've been having issues downloading music on your child's account.
You should be able to set up the account with permission to download music using the
Parental Controls or the specific
Control Child Account access to Xbox Music.
Please let us know how those work for you and we'll go from there.
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While that works for downloading on the xbox console, it does not work for downloading xbox music to a phone with a kids account. It is the phone and PC scenario that we are stuck on.
How to adjust privacy settings on Xbox.com.
Let us know if that works for you, or if you have anymore questions.