Hi RJ Farley,
Thanks for posting your concern on Microsoft Q&A.
I do apologize for the situation you have met with Microsoft subscription, but please correct me if I am misunderstanding, I understand that you are unable to login to your account or your account is being compromised, so that is the main reason that made you wish to cancel your purchase.
In case for the sign-in issue, Microsoft has provided the tool to help users troubleshoots their situation, you can take a look at this link: Sign-in Helper Tool
If I misunderstood, and you just want to request cancel or refund, you can follow this instruction to cancel and double check the refund on your end:
Cancel your Microsoft subscription
How to get a refund on a Microsoft subscription
In case the above steps did not suit for your request, and you want to meet the live agent, please let me know so I can share the guidance to help you contact them. The guidance is for home user only, in case you have subscribed for organization tenant and would like to make a call to support, kindly inform so I can share the contact number for you.
I hope you can resolve your case smoothly.
Thanks, and sincerely,