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Rain lashed against the office window as I mindlessly scrolled through lunch emails. Then it appeared—an approval notice for a $15,000 personal loan from some sketchy online lender. My stomach dropped like a stone. I’d never applied for this. Hands trembling, coffee forgotten and cooling beside me, I frantically checked my accounts. That’s when the rage hit—hot, blinding, and metallic in my mouth. Someone had hijacked my identity while I’d been buried in spreadsheets and deadlines. I remember sl

That blood-freezing vibration ripped through my pillow at 3:17 AM. Not a dream - my phone was screaming with an alert I'd never seen before. "UNRECOGNIZED CREDIT INQUIRY" glared from the screen, backlight searing my retinas in the pitch-black bedroom. Someone was trying to open a loan using my identity while I slept. The cold sweat had nothing to do with Hong Kong's humidity as I scrambled for my tablet, fingers slipping on the unlock pattern.

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