<prompt> Human: I have recently moved back to the USA from the EU.Today, I randomly decided to check my credit score... and I found several credit cards in my name that I was not aware of earlier, totaling up to 14,000 USD in debt. Heres the thing - in my life, I have only ever had one credit card, that I immediately cancelled because of an unexpected limit discrepancy, some student loans, and I also opened a credit account with Dell for a laptop I bought earlier this year. According to my credit report, Theres about 10 additional credit cards with active balances. WEIRD, RIGHT? IDENTITY THEFT?? Not so sure:On the verge of flipping out, I examined these accounts, only to find that whoever opened them up has never missed a single payment on any of these credit cards for the past two years, and two accounts have already been paid off. Bearing this in mind, I have come to the conclusion that the reason Im seeing these balances is one of the following:Someone happens to have the same name as I do and there may have been some sort of weird data mixupMy identity has been stolen either unintentionally or whoever stole it has motives I either do not comprehend or they are kind of nice or something.I have some suspicions, also, as to who it might actually be, and if THIS possibility comes to light - well, Ill handle it without the need to press any charges.What do you think, redditors? I know what to do at this point regarding potential fraud.Because these payments go back a couple of years, and whatever has been paid off totals up to over 10 grand -if it does turn out to be identity theft, is there any way I can get the processed payments refunded to me? Im actually in a tough financial situation right now and that cash could seriously bail me out. I could even pay off my student loans with it and have plenty left over, which would make my life much easier in the long run. Thoughts, comments, jokes, questions welcome. Thanks.EDIT: forgot to include some info  <response>: 1 Its likely a mistake. 2 Regardless of if its a mistake or a really honorable identity thief, youre not going to get the money that the other person paid to the credit card company refunded to you. That was never your money, and they arent going to steal money from the merchant who did nothing wrong to give to you...3 If you are in a tough financial situation, its worth calling the credit bureaus and getting this stuff off your account. Regardless of its an error or a thief, this is a pretty serious compromise. So far, the person is doing pretty well but what happens if they fall behind due to a job loss or other difficult circumstances? Dont put yourself at the mercy of some stranger; get it cleared up. 