My notes are not coming back and I have it on in settings
Notes disappeared with settings on
I assume that you mean that you are syncing Notes with iCloud. If so, sign into iCloud.com on a computer or an iPad (this won’t work on an iPhone) and then click on Notes. If your notes are missing there, they are gone.
If you see the Notes in iCloud then try restarting your phone and then see if they download. You can also try signing out of iCloud and sign in again.
If you don’t sync Notes with iCloud, look here for some help.
If you're missing notes on your iPhone, iPad, or iPod touch - Apple Support
If all of your Notes are in the on My iPhone folder and are not being synced with iCloud or an email account, you can restore those notes when you restore backup. This suggestion is made under the assumption that you backup. When you restore a backup, you overwrite the current contents and settings on your device.
Restore your iPhone, iPad, or iPod touch from a backup - Apple Support