<human>: I never pick up, it's an automated message anyway, thanking me for applying for a payday loan and pre-approving me for $1500 loan. I have never applied for this crap, of course. They don't use my name or other IDing info, so it sounds more like an ad for a scam than like someone used my phone number to apply for a loan. They tell me to visit wirecashdirect dot com and enter a code. I don't want to visit the website at all because it sounds so scammy.

After ignoring these messages for what has to be at least 4 months, I finally checked my credit and there isn't anything amiss. Is there anything else I should be checking to make sure I'm not being defrauded or having my identity stolen?

I'm pretty sure I'm already on the national do-not-call registry, so at the very least I should be able to get them to stop calling that way, but have to figure out how to report them.

Can you provide a brief overview of the text?
<bot>: I'm not sure if I'm being victimized by a phone scam or if someone has applied for a payday loan in my name, and need help finding out how to figure that out.