I understand this:
Tomatocage 39: -0 / +24(24) 2014-09-08 0.00000000 Reference New account + Loan request. These have an exceedingly high chance of default. Because of this I do not trust this user.
Vod 16: -0 / +11(11) 2014-09-03 0.00000000 Reference Running a donation scam. Will remove if he can prove some sort of association with charity.
Even if you are right (and you are not), then nobody will believe you.
if you are one of the admin? do you know what topics we cover? if your school thanks