iPhone XS Max is stuck on iOS 14

See if this helps: If you can't update or restore your iPhone or iPod touch - Apple Support

To update over the air from the phone all of these requirements must be met:

• You need at least 6 GB of free storage
• You must be connected to a Wi-Fi network (and not a personal hotspot)
• The phone must be charged to at least 50%, and preferably plugged in so it stays above 50% during the update
• The phone must not be in Low Power Mode
• The phone must not be connected through VPN, and it may be necessary to delete any VPN apps and VPN profiles
• The phone cannot be in Airplane mode
• You cannot still have a beta version installed on the phone<—I suspect this is your problem
• You cannot have a previous version that was downloaded, but not installed - go to Settings/General/iPhone Storage to look; if you find an iOS installer, delete it

If you can't meet all of them you can still update using your computer.