I lost access to my account that I purchased Microsoft 365 Personal

That is the main issue, the simple solution would be to contact somebody and prove that I own the credentials that purchased the subscription. However, it is practically impossible to get into contact with somebody apart of the support team of microsoft. If I call the numbers the virtual assistant tells me to come here, and if I dial the other numbers they ask me to; it just takes me to simple mobile which will offer arguably no help whatsoever.

Hey there! Nice to meet you!

Since you do not have access to the verification method (your recovery email address), I'm afraid the only way to recover the account is through the account recovery web form: https://account.live.com/acsr

You'll need to keep trying until you're verified by Microsoft, and you can do this up to 2 times every 24 hours.

If your Microsoft account recovery request was not granted, please review this link for tips on improving your chances of a successful recovery: https://support.microsoft.com/office/dc56c3e3-dff0-4ed5-8edb-60290eea6b53

Microsoft Support will not be able to grant you access to your account as stated in this article, that they are not permitted to send password resets, access, or even change any details on the account:

https://support.microsoft.com/account-billing/help-with-the-microsoft-account-recovery-form-b19c02d1-a782-dee6-93c3-dc8113b20c42

While it is not possible to transfer the subscription, please be advised that unless the account owner is able to access the account, subscription cancellation is not possible, and Microsoft personnel cannot retrieve this information.

If you are no longer able to recover your account and since you have been paying for a subscription that you can't access, you will need to reach out directly to your bank and request to freeze all charges from Microsoft, cancelling the subscription renewal in the process.

You may also need to request a new payment method.

Thank you for your understanding.

Best regards,

Darhyl