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There are 2 possibilities here. First, that there is an unpaid loan taken out by someone else with your same name and the collection agency has made a mistake.
The other possibility is that they are scam artists attempting to scare you into making a quick payment over a nonexistent debt.
Do not pay them, in either case. If you believe you MAY have an unrepaid payday loan then demand they provide written proof of your debt in the form of a copy of your signed note. If they refuse or can not do so, as required by federal law, then this is not your debt and they are likely scammers.
Scammers will not take action against you. They will just move on to the next target.
Also, if they are threatening to have you arrested it is illegal to make such a threat over a civil debt. There is no debtors' prison in the US.
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