Easy fix. Somewhere along the line your account password has been changed but not the password for your keychains.
  1. Launch Keychain Access
  2. Select one of the keychains
  3. on the Keychain Menu Bar select Edit > Change password for keychain "XXXXX" ...
  4. For curent password enter the password you have been using to unlock that keychain
  5. For the new keychain enter the exact password you are using for your account
  6. Repeat these steps for each of the three keychains involved

If we knew what it was we were doing, it wouldn't be called research, would it?

— Albert Einstein