I'm gonna go with "identity theft" in this round of Guess Which Scam A Newbie Is Trying This Time.
Seconding this, the whole scenario is probably like "Please send us your documents, passport, ID, proof of address etc. so that we can verify." sometime later... "Ah yes, we verified your information, alas, we have to refuse to give you a loan at this point."
F.
OP, if you are up to this, send 1 BTC to my address in my profile. I promise you that I'll pay it back.
Quick Edit: I forgot to mention that I don't have collateral.