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Tax season scams 2026: Fake IRS messages stealing identities

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Tax season scams 2026: Fake IRS messages stealing identities

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Tax season no longer begins in April. For scammers, it starts the moment the calendar flips to January. 

While you’re waiting for your W-2 or 1099 to arrive, cybercriminals are already sending out waves of fake IRS messages, “refund problem” alerts and account verification scams. These messages feel alarmingly real, and that’s not an accident.

The truth is, today’s tax scams don’t rely on random guessing. They rely on your personal data, pulled from online data brokers, public records and previous breaches. And once your information is in circulation, you become part of a high-value target list.

Let’s break down what’s really happening – and how you can protect yourself before the first fake message lands in your inbox.

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ROBINHOOD TEXT SCAM WARNING: DO NOT CALL THIS NUMBER

Tax scammers are targeting Americans as soon as January with fake IRS emails and refund alerts designed to steal personal data. (Photo illustration by Michael Bocchieri/Getty Images)

The new wave of tax scams

Every year, scammers refine their tactics. And every year, they get better at making their messages look legitimate. Here are the most common scams hitting Americans before tax season even peaks:

1) Fake IRS emails and texts

These messages look official. They use real IRS language, government-style formatting and even fake case numbers. You might see something like:

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“Your tax account is under review. Immediate action is required to avoid penalties.”

The email may include:

  • IRS logos and official-looking headers
  • Threatening language about audits or fines
  • A link that appears to go to a government website.

But when you click, you’re taken to a fake IRS portal designed to steal:

  • Your Social Security number
  • Your date of birth
  • Your bank account details
  • Your IRS login credentials.

Once scammers have that, they can file fake returns, redirect your refund or impersonate you for years.

2) ‘Refund Issue’ alerts

This is one of the most effective tax scams because it preys on something people are already waiting for: their money. The message usually says:

“Your tax refund has been delayed due to a verification issue. Please confirm your information.”

It feels believable. You just filed. You are expecting a refund. And the message arrives right when you’re checking your bank account.

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The link leads to a perfect copy of:

  • A government site
  • A tax filing service
  • Or a bank login page.

Every keystroke you enter is captured. Scammers now have your identity, your financial access and your tax data – all from one click.

3) Benefit and identity verification scams

These scams impersonate the:

  • IRS
  • Social Security Administration
  • State tax offices.

Often, they use what seem to be legitimate titles like “tax resolution officer” and state that you have unresolved tax activity. They claim your benefits, tax records or identity are “on hold” and must be verified immediately.

Typical messages say: “Your benefits account has been temporarily suspended. Verify your identity to restore access.” Or: “We detected unusual activity on your tax profile. Confirm your information now.”

The goal is simple: panic. When people panic, they don’t slow down. They don’t double-check. They click. And once they do, scammers collect everything they need to fully impersonate the victim.

HOW TO SAFELY VIEW YOUR BANK AND RETIREMENT ACCOUNTS ONLINE

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Cybercriminals use data broker profiles and breach records to personalize tax scams and make them appear legitimate. (Andrew Harrer/Bloomberg via Getty Images)

Why these messages feel so real

You may wonder: How do they know my name? My address? My tax service?

They don’t guess. They buy it. Data brokers collect and sell personal profiles that can include your:

  • Full name and address history
  • Phone numbers and email addresses
  • Family members and marital status
  • Estimated income and property records
  • Age, retirement status and employer history.

Scammers use this data to personalize their messages. That’s why the email doesn’t feel random. It feels meant for you. And once your profile is sold or leaked, it can be reused again and again.

The real target isn’t your refund. It’s your identity

Once scammers steal your Social Security number, tax ID or bank details, the damage doesn’t stop with one scam.

They can:

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  • File fake tax returns
  • Open credit lines in your name
  • Redirect benefits
  • Sell your identity on criminal marketplaces.

Tax scams are often the entry point to long-term identity theft.

The ‘pre-tax season cleanup’ most people skip

Most people think clearing browser cookies or changing passwords is enough. It’s not. Your information still lives in data broker databases, where scammers shop for victims.

That’s why I recommend a data removal service that automates data removal and goes directly to the source. Instead of chasing scams one by one, these services help remove the reason you’re targeted in the first place.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

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Practical steps to protect yourself this tax season

Here’s what I recommend before filing:

  • Never click tax links from emails or texts. Go directly to official websites. Strong antivirus software can help block malicious links before they install malware or steal personal information. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.
  • Use strong, unique passwords for tax services and email.  A password manager helps create and store strong, unique passwords and alerts you if your email appears in known data breaches. Next, see if your email has been exposed in past breaches. Our No. 1 password manager pick includes a built-in breach scanner that checks whether your email address or passwords have appeared in known leaks. If you discover a match, immediately change any reused passwords and secure those accounts with new, unique credentials. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com.
  • Enable two-factor authentication (2FA) wherever possible.
  • Freeze your credit if you’re not applying for loans. To learn more about how to do this, go to Cyberguy.com and search “How to freeze your credit.” 
  • Remove your data from brokers before scammers find it, as discussed above.

2026 VALENTINE’S ROMANCE SCAMS AND HOW TO AVOID THEM

Fake “refund issue” messages trick taxpayers into entering Social Security numbers and bank details on fraudulent sites. (Photo illustration by Michael Bocchieri/Getty Images)

Kurt’s key takeaways

Tax scams don’t start in April; they start when your data is sold. The more complete your profile becomes, the easier it is for scammers to impersonate government agencies and steal your identity. By removing your personal data now, you’re not just protecting your refund; you’re protecting your future. This tax season, don’t wait for the alert. Remove the risk.

Have you received a suspicious IRS text or email this tax season, and what made you question whether it was real? Let us know by writing to us at Cyberguy.com.

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Copyright 2026 CyberGuy.com. All rights reserved.

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Technology

Tim Cook will still be Apple’s Trump whisperer

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Tim Cook will still be Apple’s Trump whisperer

Though Tim Cook is shedding his CEO title for the role of Apple’s executive chairman, it appears he’ll keep one of his most important duties: that of the company’s Trump whisperer.

“As executive chairman, Cook will assist with certain aspects of the company, including engaging with policymakers around the world,” Apple writes in a press release. Translation: he’s sticking around to deal with thorny political relationships — in particular the one with President Donald Trump.

Throughout his tenure, Cook has navigated Apple through tricky political terrain. He’s had to balance the company’s massive business interest in China with US policymakers’ concerns, and he’s worked to appease Trump for favorable regulatory decisions, without alienating too many Apple employees and customers in the process.

Cook has navigated Apple through tricky political terrain

The task of wooing Trump has repeatedly placed Cook in embarrassing situations: Cook showed the president around a factory in Texas in 2019, where Trump wrongly boasted that because of his policies, Apple was building a new manufacturing plant in the US. Last year, he presented Trump with a symbolic gift of “Made in the USA” glass from Apple supplier Corning set in 24-karat gold.

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Recently, Cook took criticism from Trump critics for attending a movie night at the White House, for a screening of the documentary Melania, the same day that Alex Pretti was killed by federal agents on the streets of Minneapolis during a protest against Immigration and Customs Enforcement. Cook later vaguely referred to the “events in Minneapolis,” and referenced a “good conversation with the president.”

As Apple’s senior vice president of hardware engineering John Ternus takes over as CEO, the company will need to overcome significant policy challenges, including global efforts to regulate AI, and a push for app stores to verify user ages. Lucky for Ternus, Cook will still be there to take on that job.

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6 crypto scam scripts criminals use to steal your money

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6 crypto scam scripts criminals use to steal your money

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Just about every day, we receive emails from readers who have encountered new scams. Many involve cryptocurrency. The pattern keeps repeating. Someone receives a message that feels urgent, emotional or exciting. The person on the other end sounds confident and persuasive. Before long, the victim is being asked to send money through cryptocurrency. Once the money is sent, it often disappears forever.

Cryptocurrency appeals to scammers for a simple reason. Transactions move quickly, often cross international borders and usually cannot be reversed once completed. That combination makes crypto payments especially attractive to criminals.

Kate recently wrote to us with a great question.

“Could you do an article that illustrates the scripts used by scammers to lure people to send money using cryptocurrency. Those scripts must be very convincing to get so many reasonably intelligent people to send money. Maybe five or six examples of the scripts, so people, especially seniors, will know what to watch out for.”

— Kate

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Kate is absolutely right. These scripts are convincing because scammers practice them constantly. They use psychology, urgency and emotion to push people toward quick decisions.

FAKE GOOGLE GEMINI AI PUSHES ‘GOOGLE COIN’ CRYPTO SCAM

Crypto scammers use polished scripts built on urgency, trust and emotion to pressure victims into sending irreversible payments. (gpointstudio/Getty Images)

Let’s break down some of the most common crypto scam scripts, so you know what they sound like before they reach your inbox or phone.

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  • For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

The investment opportunity script

This script often begins with a friendly introduction through social media, email or even a text message.

Example script:

“Hi, I work with a private investment group that trades cryptocurrency. We’ve helped many people earn steady returns. If you invest $500 today, you could earn $5,000 within weeks. I can show you proof of other investors’ success.”

The scammer may send fake screenshots of profits. Some will even allow a small withdrawal early on to build trust. Eventually, they push the victim to send larger deposits. Once the larger transfer is sent, the account suddenly stops responding.

The romance crypto script

This scam often starts with a simple message on a dating app, Facebook or Instagram. The first contact is friendly and low-pressure.

Example initial script:

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“Hi, insert name here, I hope you don’t mind me saying hello. Your profile caught my attention, and you seem like a very kind person. How has your day been?”

After a few days of conversation, the scammer begins sharing details about their life. They often claim to work overseas as an engineer, doctor or business owner. Eventually, they mention cryptocurrency trading as something they do on the side.

Later message in the script:

“I have been doing some short-term crypto trading after work. It has helped me save a lot faster. If you are interested, I can show you the platform I use. It is very easy to start with a small amount.”

From there, the scammer guides the victim to a fake trading site or asks them to transfer cryptocurrency to a wallet they control. At first, the account may show fake profits. The victim believes the investment is working and sends more money. Eventually, the victim cannot withdraw any money. 

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MALICIOUS MAC EXTENSIONS STEAL CRYPTO WALLETS AND PASSWORDS
 

From romance schemes to fake government threats, scammers often follow repeatable crypto scripts designed to sound convincing. Knowing the pattern can help you stop the fraud early. (Nhac NGUYEN / AFP via Getty Images)

The government impersonation script

Scammers often pretend to represent government agencies or law enforcement.

Example script:

“This is an urgent notice regarding your tax account. Your Social Security number has been linked to suspicious activity. To prevent legal action, you must verify your identity and pay the outstanding balance today using cryptocurrency.”

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Government agencies do not demand payment through cryptocurrency. The goal is to scare you into acting quickly without checking the facts. 

The tech support emergency script

This scam often begins with a pop-up warning or an unexpected phone call.

Example script:

“Your computer has been compromised by hackers. Your bank information may be at risk. To secure your system, we need you to transfer funds temporarily into a protected cryptocurrency wallet.

The scammer claims the funds will be returned once the system is secure. In reality, the transfer moves the money directly to the criminal.

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The crypto giveaway script

This scam frequently appears on social media or video platforms.

Example script:

We are celebrating a new crypto launch. Send 0.1 Bitcoin to this wallet, and we will immediately send back double the amount.”

The message may appear to come from a well-known company or public figure. The wallet address belongs to the scammer. Anyone who sends funds receives nothing in return.

The fake recovery service script

This scam targets people who have already lost money.

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Example script:

“We specialize in recovering stolen cryptocurrency. Our investigators located the wallet that received your funds. To begin the recovery process, we require a small crypto payment to unlock the legal tracing tools.”

The victim believes they are hiring professionals to recover their money. Instead, they are being scammed again.

Why these scripts work so well

These scams succeed because they exploit human behavior. First, they create urgency. Victims feel pressured to act quickly.

Second, they create trust. The scammer may sound friendly or sympathetic.

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Third, they promise rewards. Investment scams offer profits that feel life-changing.

Finally, cryptocurrency adds confusion. Many people are still learning how it works. Criminals take advantage of that uncertainty.

Understanding these scripts is the first step to protecting yourself. Once you recognize the patterns scammers use, it becomes much easier to stop the conversation before money is involved. 

How to protect yourself from crypto scams

Crypto scammers rely on urgency, trust and confusion to pressure victims into sending money. These practical steps can help you recognize warning signs and avoid costly mistakes. 

1 CLICK COST A FATHER $4 MILLION IN BITCOIN TO VISHING SCAMMERS

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Criminals favor cryptocurrency because transactions move fast, cross borders easily and usually cannot be reversed. That makes crypto a powerful tool for scammers. (Mario Tama/Getty Images)

1) Slow down when money is involved

Scammers depend on urgency to push victims into fast decisions. If someone pressures you to send money immediately, treat it as a warning sign. Pause the conversation and verify the situation independently. Contact the company, agency or person through a known phone number or official website. Taking even a few minutes to step back can stop a scam before money leaves your account.

2) Never send cryptocurrency to someone you do not know

Cryptocurrency transactions work very differently from credit cards or bank transfers. Once funds are sent, they usually cannot be reversed. Scammers prefer crypto because it moves quickly and often crosses international borders. If someone asks for payment through Bitcoin, Ethereum or another digital currency, assume the request is suspicious until proven otherwise.

3) Verify investment opportunities independently

Many crypto scams promise fast profits or guaranteed returns. Legitimate investments never guarantee profits. Before investing, search the company name, website and contact information online. Look for warnings from regulators or consumer protection agencies. If you cannot find reliable information about the company, that is a major red flag.

4) Use strong antivirus software on your devices

Scammers frequently use phishing links, fake websites and malicious downloads to trick victims. Strong antivirus software can help detect these threats before they cause damage. Strong antivirus software can warn you about suspicious websites, block malicious downloads and help stop phishing attempts that try to steal your financial information. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

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5) Reduce the personal information scammers can find online

Scammers often research their targets before sending messages. They may gather details from public records, social media or data broker websites. Limiting the amount of personal information available online can make it harder for criminals to craft convincing messages. Removing your data from people search sites with a data removal service can reduce the chances of becoming a target. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

6) Be cautious with online relationships

Romance scams often begin with friendly messages on dating apps or social media. Over time, the scammer builds trust and eventually introduces a crypto investment opportunity. If someone you have never met begins discussing cryptocurrency investments or asks you to move money, take a step back. Real relationships do not require financial transfers to strangers.

7) Never trust screenshots or profit dashboards

Crypto scammers often show screenshots of trading accounts that appear to generate large profits. These images are easy to fake or are displayed on fraudulent websites controlled by the scammer. Even if a platform shows profits, it does not mean the money exists. If you cannot withdraw funds easily through a verified exchange, the investment may be fake.

8) Watch for requests to move conversations off the platform

Many scams begin on social media, dating apps or messaging platforms. After the first contact, scammers often ask victims to continue the conversation on WhatsApp, Telegram or another private messaging app. Moving the conversation helps them avoid detection by the original platform. If someone quickly asks you to switch apps, treat it as a warning sign. 

9) Talk to someone you trust before sending money

Scammers often isolate their victims and discourage them from discussing the situation with friends or family. Before sending cryptocurrency or making a large investment, pause and talk to someone you trust. A second opinion can often spot warning signs that are easy to miss when emotions are involved. 

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What to do if you already sent cryptocurrency to a scammer

If you believe you sent cryptocurrency to a scammer, act quickly. Contact the exchange or platform you used to send the funds and report the transaction immediately. Some exchanges may be able to flag the receiving wallet and help investigators track suspicious activity.

You should also report the scam to the FTC at reportfraud.ftc.gov and notify your local law enforcement agency. If the scam began on a social media site, dating app or messaging platform, report the account there as well so it can be investigated and removed. 

While recovering funds can be difficult, reporting the incident can help authorities identify larger fraud networks and potentially prevent others from becoming victims. 

Kurt’s key takeaways

Cryptocurrency scams continue to grow because the scripts are polished and carefully tested. The criminals behind them understand human psychology. They know when to apply pressure, when to build trust and when to promise rewards. Recognizing these patterns is one of the most powerful ways to stop them. When you know the script, the scam becomes much easier to spot.

Have you ever received a message that tried to convince you to send cryptocurrency, and did the script almost sound believable? Let us know by writing to us at Cyberguy.com.

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  • Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox.
  • For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

Copyright 2026 CyberGuy.com. All rights reserved.

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This pasta sauce wants to record your family

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This pasta sauce wants to record your family

As if there weren’t already enough devices listening in on everything being said in your home, Prego, the pasta and pizza sauce brand, is releasing a device designed to record everything said around the dinner table for posterity. The Connection Keeper, which looks like an oversized pasta jar lid, was created in collaboration with StoryCorps, the nonprofit organization focused on preserving the stories of Americans in a collection housed at the Library of Congress’ American Folklife Center. There’s no AI, Wi-Fi, or Bluetooth, but you can optionally upload recordings to StoryCorps’ website to make them easier to share with family.

Prego says the goal of the device is to encourage families to make memories through conversation during dinner instead of staring at their phones — but only for a small number of families. The company is only planning to make less than 100 of them. The Connection Keeper will be available for purchase online starting on April 27th for $20 as part of a bundle that includes the device, a jar of Prego sauce, spaghetti noodles, and a deck of cards featuring conversation prompts and ideas.

Using the device is as easy as plopping the Connection Keeper down in the middle of everyone at the table and pressing one button to start recording. Using a pair of microphones, it captures CD-quality audio to a 16GB microSD card for up to eight hours when fully charged.

When dinner’s over, the recordings can be transferred to a computer over USB-C and then uploaded to a dedicated microsite created by StoryCorps where they’re preserved and accessible only by the uploader, unless they choose to share them with other StoryCorps users or the general public. You even have the option to archive them within the Library of Congress, which makes them public automatically, so hopefully your family talks about more than just stealing brainrots.

The recordings can be accessed on a smartphone through the StoryCorps app, but Prego intentionally left phones out of the rest of the process to discourage their use at the table. It’s also why the Connection Keeper lacks a screen. The goal was to minimize interactions with the device so family members instead focused on talking with each other.

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