Musisz umieścić swojego user i password w ciągu UR połączenia
mongodb://***'your user':' here comes password '***@mongo-cluster-shard-00-00-ixqtu.mongodb.net:27017,mongo-cluster-shard-00-01-ixqtu.mongodb.net:27017,mongo-cluster-shard-00-02-ixqtu.mongodb.net:27017/test?ssl=true&replicaSet=mongo-cluster-shard-0&authSource=admin&retryWrites=true
np.
mongodb://dbuser:example@sqldat.com:27017,mongo-cluster-shard-00-01-ixqtu.mongodb.net:27017,mongo-cluster-shard-00-02-ixqtu.mongodb.net:27017/test?ssl=true&replicaSet=mongo-cluster-shard-0&authSource=admin&retryWrites=true