Presumably the message you're getting is from the camera and the fact that it's happening with several cards suggests the camera is at fault.
If you need to download pictures from the cards to a PC buy a USB card reader which includes a slot for XD (not many do these days).
As far as the camera is concerned I would start by looking for the menu option to reset to defaults -- or if this is not available or or doesn't cure the problem I would remove the battery (or batteries) and leave the camera overnight. Meanwhile fully charge the battery (batteries). Then replace them in the camera and try again to read an XD card in the camera.