Hello,
Where did you use the chatbot, what website? Microsoft's chatbot doesn't ask for credit card information or account information (password, etc). It sounds like you might be using some scammer website. You might want to keep an eye for your credit card or replace it.
If you know your account's password but get stuck due to a code you cannot receive, on that page look for an option like “Show more verification methods” to see if you have a backup (e.g., a phone number or alternate email).
If you don’t have access to any of the options listed, select “I don’t have any of these.” This will begin the recovery process. As part of that process, Microsoft will let you add new contact information — but only after a 30-day waiting period.
This 30-day delay is intentional. It’s a security safeguard designed to protect users in case someone else tries to hijack their account by changing recovery info. The wait gives the rightful owner time to notice and stop unauthorized changes.
Unfortunately, this policy cannot be bypassed. You can read more about it directly from Microsoft here: