My former classmate borrowed money from Paipai, and then called and texted me every day in recent months.

Loans are despicable. Just annoying you has no other influence on you, because this platform is deceptive. Maybe your classmate has no money to pay back, or maybe he is unwilling to be cheated. There is a verification before the loan, that is, you need the phone number and service password. You should have copied down your phone number.