Complex sentence: It is also said to be Freyja's human lover, Otta, in disguise, and is the reason why Loki consistently accuses her of being "wanton" by riding her lover in public.
Split into simpler sentences: It is also said to be Freyja's human lover, Otta, in disguise. For this reason Loki consistently accuses Freyja of being "wanton" by riding her lover in public.