Just curious Apple iOS has locked my phone for the last few days due to not downloading update

Since you have not indicated how the phone is locked, I will just guess. If it is Passcode Lock, see this link...

If you forgot the passcode on your iPhone, or your iPhone is disabled - Apple Support

If it is Activation Lock, see this link...

How to remove Activation Lock - Apple Support

Check this link for instructions to update...Be sure your phone is eligible for the update you are trying to install.

Update your iPhone, iPad, or iPod touch - Apple Support

What do you mean it's "locked" your phone.

What, exactly, are you seeing?