Fraud, collection, SMS, ignore it and send it.

If you ignore them, fraudulent collection messages will be sent. I suggest you black out the phone number, so you can't receive the message. This is an obvious scam message, and you didn't even return the phone call. Just to get you to reply to T, you were arrested once. It is not excluded that someone who knows you will register you as a loan contact. In short, if you don't borrow it, you can ignore it and blacklist the other party's phone directly.