I am being charged for something I did not buy

You may need to check whether a family member made a purchase:

How to see what you were charged for:

If you see "apple.com/bill" on your billing statement – Apple Support

If the charge(s) are for a subscription:

You would need to cancel that subscription to avoid ongoing charges.

What to do:

If you want to cancel a subscription from Apple – Apple Support

Re: "I need help getting a refund for three charges":

Apple support has an article online to help with asking for a refund:

If the money has been deducted (not pending):

How to: Request a refund for apps or content that you bought from Apple – Apple Support

All the best :-)