This is a scam. It's two African Americans working from their apartment trying to scam people on information they have hacked. Don't be scared. Just give them a taste of their own medicine and have some fun with it and prank them back. Since these losers can't get a real job, have fun with it. And report them to the government.
Somehow they got my moms number and told her I needed to contact them or legal action would be taken. So I retuned the call, it was said I took out a payday loan from a company I never heard of in 2014. Told the lady it wasn't me so she said it will be filed in court, and that a lawyer would be contacting me!! SCAM! Didn't give them what they were looking for so they try to scare you.