Why did my mother say not to borrow money? The loan software keeps sending me messages asking my mother to pay back the money.

Maybe someone else used your mother's identity information to apply for a loan.

In this case, I suggest you call the police as soon as possible. If the user does not apply for a loan, but receives a dunning message, then the user can ignore the message directly, because the message is sent by the system in groups, so an error may occur.