How do I dispute and get a refund for unauthorized Apple charges on my credit card?

Have you verified if these charges appear in your Purchase History?

View your purchase history for the App Store and other Apple media services - Apple Support

Charges on your device can only happen when the side button is double clicked with the amount showing on the screen, followed by verification with FaceID/TouchID or Passcode. While in most cases these charges are final because they require your Passcode on your device to make these purchase, you may be able to request a refund here:

Request a refund for apps or content that you bought from Apple - Apple Support

Your subscriptions are available here:

View or cancel app subscriptions on iPhone - Apple Support

If you use Family Sharing along with Purchase Sharing, then you have authorized your family members to make charges to your payment method on your account. You can easily prevent this from happening with Screen Time Restrictions, but you would need to do that if you also want to use Purchase Sharing.

If you do not see the charges there, it would be a strong indication that your financial information has been compromised again. In that case, it would be your bank that had approved these fraudulent charges and you would want to dispute those with the bank that issued you the card.

There has not been enough information provided to determine how those charges occured, if they were done from your device, if you are using Purchase Sharing, or if your credit card has been compromised. Just putting everything out there to help with what you have made available.