Sorry, to clarify, by "burning" I mean not just in exercise, but also in just existing. The average male burns 2500 calories per day just being alive. So if that average male eats less than 2500 calories per day, then he will lose weight. Bar the odd medical exception, it's as simple as that. Obviously if you do exercise the amount you burn goes up so you can eat more and still lose weight. But if someone is eating 4000 calories per day, that's a LOT of exercise to burn it off
You don't have to do any extra cardio or exercise if you're eating fewer calories than you burn.
If you care about muscle and fitness then you need to pay more attention to what you eat (high protein being the main one for muscle). But if you're purely interested in losing fat, it's calories that you need to look at.
If you've lost weight then I imagine you have lost fat, it might just not be noticeable. Where your body stores it's fat is genetic. For example, if you've got a belly on you, it might be that your body naturally stores fat there. So you might have lost fat on your legs, and therefore lost weight, but because your body naturally stores fat on your belly then it's harder to shift that,
Unfortunately it's not possible to target losing fat in specific places. You just have to lose it all over and eventually you'll get there.