Dreams are confusing me

" I'm starting to not be able to tell if I'm dreaming or awake. Now I know that most people are not aware of it when they are dreaming, but I seem to always assume I'm dreaming even though it's obvious I'm awake. "

This sounds a bit like "depersonalization", you should google it. Of course I don't know, since I'm not a psychologist or something.

"And my dreams will confuse me too; for example if someone says they owe me money in a dream, I'll asking them in real life for my money before I'll eventually remember it was a dream. "

This part seems normal to me, it's something people with real vivid dreams have (me included.)

I used to have this problem when I was younger. Idk what it was, I grew out of it before like 8 so it was never a big problem for me.

Maybe get your vitamin level checked?

You may want to see a doctor. It may be that you are not getting quality sleep and are suffering from sleep deprivation.