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The photos are usually stolen from modeling sites with reports that 90% of them are being taken from Focus Hawaii.
If you think you are being scammed, go to this site and browse all the photos to see if the person you are communicating has a photo on this site. However they also use photos taken from profiles of other people on dating sites, so remember that the photos that scammers use are not photos of themselves - they are photos of innocent victims.
Then they convince their soul mates to bank them into their bank account and then wire them the money via Western Union.
They often pretend to be foreign specialists [from the US, UK or Canada, but can be any European country]temporarily working in Nigeria or other African country.
Or the alternative is to say their wallet has been stolen, hotel owner holding their passport, custom officials need to be bribed, new plane tickets are needed, they have been victimized and put in jail and need money to bribe their way out, or they need money for an operation etc.
The reasons for needing the money will sound plausible.
The scammers spend their day trolling the dating sites and chat rooms for contact emails, and then send off thousands of fraudulent letters and emails awaiting the victim's replies.
They are offering the chance of finding true love and happiness, and there are plenty of takers!