The loan contract I borrowed on Xin Dream's online loan platform said that I was cheated.

This is a scam. According to the relevant anti-fraud information, the loan contract on Xin Meng's online lending platform reads "out of stock" and is considered to be cheated. Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending.