I am going through the same thing. I have tried resetting my router and doing a hard shut down of my Xbox One. I can select my character, go past the opening scene where the traveler visits Mars, and then I get the message as it is trying to load after that.
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i will say this again everyone for xbox one users unplug all or your cords and then start up destiny then if that doesnt work which i highly doubt it wont then put in a game then start up destiny. if it still doesnt work then it is definitly your xbox live gold ran out just renew it if you are out. I hope this helped enjoy the beta :)