Who is my hacker: Microsoft or a real, dastardly-type human?

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Yes you are of course level headed and haven’t gone into total cynicism. I must admit I was altogether curmudgeonly in my ranting. But it’s still so frustrating to me to be made to be put in these positions when I own this device and it is for private use (no enterprise situation here). But I can’t seem to get the configurations just right to stop these intrusions and to give legit apps and services the latitude to do their thing. Plus I’m just sick of battling whoever this is daily!  Today on the more personal front it was one of my credit cards involved in an info leak and I have a good idea who did this. But can’t figure out how to fully identify the culprit so I can press charges. It’s not cool. AT ALL.