It sounds like you may be experiencing a tech support scam. Scammers often impersonate representatives from legitimate companies like Microsoft, claiming that your account is at risk or has been compromised. They may use scare tactics to convince you to provide personal information or payment for unnecessary services.
It's important to remember that Microsoft will never call you unsolicited to ask for personal information or to fix a problem with your account. If you receive such a call, it's best to hang up and report it to Microsoft. You can also check for known tech support scam numbers to stay informed.
For more information on how to protect yourself from these scams, you can refer to Microsoft's guidance on tech support scams.