<prompt> Human: So as I was leaving my house yesterday, there was a letter addressed to me that my parents hadnt given to me yet. So I picked it up and it was from HSBC in Nevada, a bank I think. It said I owe 6600 and I need to pay it within 6 months with payments of 337 or something along those lines. I have a month to respond, the date read the 19th, but the letter only came in Friday. So I have until April 19th to start payments. Im only 20 years old, never taken a loan out in my life, I have three credit cards that are being handled with no problems at all. I pay each month. My total amount of credit I have with all three cards 1800 is nothing near anything I couldve spent to rack up a 6600 debt. I live in California as well so I dont know how this bank in Nevada has this information. Im assuming Im a victim of credit fraud. What are the next steps I need to take in order to get this settled?Assistant: This could also be a scam. Sometimes predatory collection agencies prey upon people and demand that they pay, and people do out of fear even when they didnt do anything. Call this agency and demand as much information as you can, who you owe money to, when did it happen, how did they get your information, etc. If they are even somewhat evasive then they are full of shit. I would even let them know you are contacting your bank and the Better Business Bureau. If they want you to not do any of that and try and get you locked into paying, then they are trying to scam you. Also, call your bank immediately and ask if any transactions have taken place in your name. Have them go through your history to be on the safe side. Dont let others push you around when it comes to your money. Human: I called HSBC and they said the account number that was sent on the paper and my social were invalid. So thats a little confusing. Im gonna call the collection agency tomorrow and the creditor who funded the money to get more information seeing that HSBC was the wrong place to call. Ill update when I can.  <response>: Remember to treat it as a potential phishing scam, and dont give more personal info than what they already know i.e. whats on the letter. If possible, look up the contact info on internet first. 