Technology
2026 Valentine’s romance scams and how to avoid them
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Valentine’s Day should be about connection. However, every February also becomes the busiest season of the year for romance scammers. In 2026, that risk is higher than ever.
These scams are no longer simple “lonely hearts” schemes. Instead, modern romance fraud relies on artificial intelligence, data brokers and stolen personal profiles. Rather than sending random messages and hoping for a response, scammers carefully select victims using detailed personal data. From there, they use AI to impersonate real people, create convincing conversations and build trust at scale.
As a result, if you are divorced, widowed or returning to online dating after the holidays, this is often the exact moment scammers target you.
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WHEN DATING APPS GET HACKED, YOUR PRIVATE LIFE GOES PUBLIC
Romance scams surge around Valentine’s Day as criminals use artificial intelligence and stolen data to target widowed, divorced and older adults returning to online dating. (Omar Karim/Middle East Images/AFP via Getty Images)
The new face of romance scams in 2026
Romance scams are no longer slow, one-on-one cons. They’re now high-tech operations designed to target hundreds of people at once. Here’s what’s changed:
1) AI-generated personas that look and sound real
In the past, fake profiles used stolen photos and broken English. Today, scammers use AI-generated faces, voices and videos that don’t belong to any real person, making them almost impossible to reverse search.
You may be interacting with a profile that:
- Has years of realistic-looking social media posts
- Shares daily photos that match the story they tell
- Sends customized voice notes that sound natural
- Appears on “video calls” using AI face-mapping software.
Some scam networks even create entire fake families and friend groups online, so the person appears to have a real life, real friends and real history. To the victim, it feels like a genuine connection because the “person” behaves like one in every way.
2) Automated relationship scripts that adapt to you
Behind the scenes, many scammers now use software platforms that manage dozens of conversations at once. This is known as “scamware” and is incredibly hard to flag.
These systems:
- Track your replies
- Flag emotional triggers (grief, loneliness, fear, trust)
- Suggest responses based on your mood and history.
When you mention that you are widowed, the tone quickly becomes more comforting. Meanwhile, if you say you are financially stable, the story shifts toward so-called “business opportunities.” And if you hesitate, the system responds by introducing urgency or guilt. It feels personal, but in reality, you’re being guided through a pre-written emotional funnel designed to lead to one outcome: money.
3) Crypto and “investment romance” scams
One of the fastest-growing versions of romance fraud now blends love and money. A BBC World Service investigation recently revealed that many romance scams are now run by organized criminal networks across Southeast Asia, using what insiders call the “pig butchering” model, where victims are slowly “fattened up” with trust before being financially destroyed.
These operations use call center style setups, data broker profiles, scripted conversations and AI tools to target thousands of people at once. This is not accidental fraud. It’s an industry.
And the reason you were selected is simple. Your personal data made you easy to find, easy to profile and easy to target.
After weeks of trust-building, the scammer introduces:
- A “private” crypto platform
- A fake trading app
- A business or investment opportunity, “they use themselves.”
They may show fake dashboards, fake profits and even let you “withdraw” small amounts at first to build trust. But once larger sums are sent, the site disappears and so does the person. There is no investment. There is no account. And there is no way to recover the funds.
AI DEEPFAKE ROMANCE SCAM STEALS WOMAN’S HOME AND LIFE SAVINGS
Data brokers selling personal details fuel a new wave of romance fraud by helping scammers select financially stable, older victims before contact is made. (Jens Büttner/picture alliance via Getty Images)
How scammers find you before you ever match
The biggest misconception is that romance scams begin on dating apps. They don’t. They begin long before that, inside massive databases run by data brokers. These companies collect and sell profiles that include:
- Your age and marital status
- Whether you’re widowed or divorced
- Your home address history
- Your phone number and email
- Your family members and relatives
- Your income range and retirement status.
Scammers buy this data to build shortlists of ideal victims.
The data brokers behind romance scams
They filter for:
- Age 55-plus
- Widowed or divorced
- Living alone
- Financially stable
- Not active on social media.
That’s how they know who to target before the first message is ever sent.
Why are widowed and retired adults targeted first?
Scammers aren’t cruel by accident. They target people who are statistically more likely to respond. If you’ve lost a spouse, moved recently or reentered the dating world, your personal data often shows that. That makes you a priority target. And once your name lands on a scammer’s list, it can be sold again and again. That’s why many victims say, “I blocked them, but new ones keep showing up.” It’s not a coincidence. It’s data recycling.
How the scam usually unfolds
Most romance scams follow the same pattern:
- Friendly introduction: A warm message. No pressure. Often references something personal about you.
- Fast emotional bonding: They mirror your values, your experiences, even your grief.
- Distance and excuses: They can’t meet. There’s always a reason: military deployment, overseas job, business travel.
- A sudden “crisis”: Medical bills, business losses, frozen accounts, investment opportunities.
- Money requests: Wire transfers, gift cards, crypto or “temporary help.”
By the time money is involved, the emotional connection is already strong. Many victims send thousands before realizing it’s a scam.
The Valentine’s Day cleanup that stops scams at the source
If you want fewer scam messages this year, you need to remove your personal information from the places scammers buy it. That’s where a data removal service comes in. 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.
Practical steps to protect yourself this February
Here’s what you can do right now:
- Never send money to someone you haven’t met in person
- Be skeptical of fast emotional bonding
- Verify profiles with reverse image searches
- Don’t share personal details early
- Remove your data from broker sites.
- Use strong antivirus software to block malicious links and fake login pages. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.
When you combine these steps, you remove the access, urgency and leverage scammers rely on.
SUPER BOWL SCAMS SURGE IN FEBRUARY AND TARGET YOUR DATA
Cybercriminals now deploy AI-generated faces, voices and scripted conversations to impersonate real people and build trust at scale in modern romance scams. (Martin Bertrand/Hans Lucas/AFP via Getty Images)
Kurt’s key takeaways
Romance scams are no longer random. They are targeted, data-driven and emotionally engineered. This Valentine’s Day, the best gift you can give yourself is privacy. By removing your personal data from broker databases, you make it harder for scammers to find you, profile you and exploit your trust. And that’s how you protect not just your heart, but your identity, your savings and your peace of mind.
Have you or someone you love been contacted by a Valentine’s Day romance scam that felt real or unsettling? Let us know your thoughts by writing to us at Cyberguy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Google’s Nest Thermostat has hit its best price of the year
If you’re looking for a relatively affordable way to cut down on cooling costs, Google’s Nest Thermostat can help. It’s packed with smart controls and energy-saving features, and right now it’s on sale in white for $79 ($50 off), which is its best price of the year, at Amazon.
The smart thermostat is quick to install and makes it easy to adjust your home’s temperature whether you’re relaxing in bed or on your way home thanks to the Google Home app. You can also create schedules and control it with your voice using Google Assistant, Alexa, or another Matter-compatible voice assistant.
Once it’s set up, the Nest Thermostat can automatically turn the temperature down when you’re away to help reduce unnecessary energy use, while Google’s Savings Finder feature suggests additional ways to save over time. It also monitors your HVAC system and can alert you if something doesn’t seem right, making it easier to stay on top of maintenance before small issues become bigger, more expensive ones. If you’re eligible, Nest Renew can also automatically shift some of your heating and cooling to times when electricity is cleaner or cheaper.
That said, this is Google’s entry-level model from 2020, so you do miss out on some of the premium features found on the latest Nest Learning Thermostat. Unlike the flagship version, it won’t learn your schedule automatically over time, for example, and lacks support for Nest Temperature Sensors that let you prioritize the temperature in a specific room. Even so, if all you want is an easy way to adjust your home’s temperature remotely and potentially lower your energy bills, the Nest Thermostat is still a solid investment at this price.
Technology
Medical identity theft follows you into the doctor’s office
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The Justice Department recently charged 455 people in its annual National Health Care Fraud Takedown. The cases involve more than $6.5 billion in alleged false claims. More state Medicaid units took part than in any prior year. Ninety of the accused are doctors or other licensed medical professionals. The DOJ says prosecutors still must prove the charges in court.
Many schemes used other people’s medical identities. Prosecutors also added aggravated identity theft charges in cases across dozens of states. In one case, the co-owner of a Virginia mental health company allegedly paid homeless people with hotel stays. Prosecutors say the company used their Medicaid numbers, then billed Medicaid for crisis services the patients never got.
For the people whose numbers got used, the case file may eventually close. Their medical records may not be so easy to fix. Once someone else’s treatment shows up under your name, it can add wrong information to your chart. It can also use up insurance benefits you may need later. That is harder to undo than canceling a credit card.
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DR OZ WARNS MEDICARE SCAMMERS ARE STEALING BILLIONS — AND YOUR PERSONAL INFORMATION COULD BE NEXT
Medical identity theft can put someone else’s claims, prescriptions or diagnoses into your health records, creating problems that can follow you into a doctor’s office. (iStock)
The identity thief’s treatment gets written into your file
Medical identity theft happens when someone uses your name, Social Security number (SSN), health insurance account number, or Medicare number to see a doctor, fill a prescription, buy medical equipment, or submit a claim, according to the Federal Trade Commission (FTC).
When care is billed under your name, the thief’s health information can blend into yours. The FTC warns that mixed records can affect the care you’re able to get and the benefits you are able to use. A blood type, a drug allergy, a diagnosis, or a prescription that belongs to a stranger can sit in the file a physician reads before treating you.
Data breaches can feed the market for medical identity theft
Hospitals and insurers hold the exact records that make the fraud work, and those records are stolen often. This does not mean every healthcare breach leads to fraud. However, it explains why your insurance number, Medicare number, SSN and medical records can become valuable long after a breach notice arrives.
This spring, NYC Health + Hospitals reported that an intruder had copied files that may have included health insurance information, medical information, biometric data, billing data and other personal information. The breach was later reported to affect roughly 1.8 million current and former patients and employees.
Once a name, SSN, insurance number, Medicare number or medical record reaches a criminal marketplace, it can be resold to operators who bill under someone else’s identity.
Treat your insurance card like a credit card
Your health insurance and Medicare numbers are what these operations need, so the FTC recommends guarding them the way you would a payment card.
- Keep enrollment forms, benefit statements, and prescription labels somewhere secure, and shred them before throwing them out.
- When a doctor’s office asks for your SSN, ask whether it can use another identifier or the last four digits instead.
- Be wary of anyone who calls, texts, or emails offering free braces, genetic tests, or medical supplies in exchange for your Medicare number; several of the schemes in the June takedown billed Medicare for exactly those items.
- If you are on Medicare, create or log in to your secure Medicare account and review your claims. You can also check your Medicare Summary Notice for services, supplies or equipment you do not recognize. If something looks wrong, call 1-800-MEDICARE.
HOSPICE FRAUD USES STOLEN IDENTITIES FOR FAKE PATIENTS
Experts urge patients to treat insurance cards like credit cards and quickly challenge unfamiliar medical bills, claims or benefits notices. (iStock)
Your credit report may never flag this fraud
Because a fraudulent medical claim runs through insurance and provider systems instead of a credit check, it skips the alerts most people rely on.
Here’s what the FTC says you should look out for:
- A bill or an Explanation of Benefits (EOB) statement for care you never received
- A call from a debt collector about a medical debt you do not owe
- A medical collection you do not recognize on your credit report
- A notice from your insurer that you have reached your benefit limit
- A Medicare Summary Notice that lists services, supplies or equipment you never received
What to do first if a medical claim looks wrong
If a bill, EOB or Medicare notice shows care you never received, move quickly and keep everything in writing.
1) Call your insurer or Medicare directly
Call your insurer or Medicare using the number on your card, not a number from a random text, email or voicemail.
2) Get the claim details
Ask for the provider name, date of service, claim number and service details.
3) Request the records in writing
Contact the provider in writing and request the medical or billing records tied to that claim.
4) Report the error
Report the error to your insurer’s fraud department.
5) File an identity theft report
File a report at IdentityTheft.gov if your medical identity was used. That gives you a recovery plan and documentation you may need if fraudulent bills or collections show up later.
6) Save every document
Keep copies of every bill, EOB, letter, portal message, police report and case number.
Correcting a medical file is slower than disputing a charge
Request your records from every provider, clinic, pharmacy, lab and insurer the thief may have used, then report each error in writing. Under HIPAA, a provider generally has 30 days to give you access to your records after a written request, with a possible 30-day extension.
Fixing the record itself can take longer. HHS says a covered provider or health plan usually has up to 60 days to act on a request to amend a medical record, with a possible 30-day extension in certain cases. If the provider or plan created the wrong information, it must amend inaccurate or incomplete information.
There’s one catch, though: a provider may refuse to release records that now contain a stranger’s information, citing that person’s privacy. If that happens, ask for the provider’s privacy officer or patient advocate. You can also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights if you do not get your records or an explanation within the required window.
TEXAS DATA BREACH HITS 3M LICENSE CUSTOMERS
Stolen Medicare, Medicaid or insurance numbers can be used to bill for care, medical equipment or prescriptions patients never received. (kali9/Getty Images)
A credit freeze alone won’t stop a claim under your insurance
A freeze blocks new accounts, but it does nothing about a claim filed with your insurance number. Because medical identity theft can move without touching your credit file, monitoring where your personal information appears is the earliest way to act on it.
An identity theft protection service can monitor the dark web, data broker sites and people-search sites for exposed SSNs, driver’s license numbers, medical ID numbers and email addresses. It can also track all three credit bureaus for medical collections that may follow and flag public-record changes tied to your name.
If misuse happens, some services include fraud resolution support to help you request records, dispute fraudulent claims and work with providers, insurers and credit bureaus. Some plans also include identity theft insurance for eligible recovery costs.
No service can prevent every misuse of your medical identity. However, ongoing monitoring may flag exposed information before another person’s treatment reaches your records and your insurance.
See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.
Kurt’s key takeaways
Medical identity theft hits in a place most of us rarely check: our health records. A stolen credit card can usually be canceled quickly. A stolen Medicare or insurance number can create fake claims, wrong diagnoses and benefit headaches that follow you long after the fraud case ends. I would not wait for a credit alert here. Check your EOBs, Medicare Summary Notices and insurer portals for visits, prescriptions or equipment you never received. Also, treat your insurance card like a payment card. Do not give the number to anyone who calls, texts or emails out of nowhere with a free offer. The most important thing is to act fast. Call your insurer or Medicare, ask for the claim details and request your medical records in writing. Then file at IdentityTheft.gov, so you have the paperwork you need if fraudulent bills or collections show up later.
Have you ever spotted a medical bill, insurance claim or EOB for care you never received? Let us know by writing to us at CyberGuy.com.
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Sign up for my FREE CyberGuy Report
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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.
Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Meta is reportedly working on smart glasses that would be recording all the time
Meta might be the next company to make an always-on AI wearable. The company is working on prototype “super sensing” always-aware smart glasses that could continuously record audio and snap photos “every few seconds,” according to the Financial Times. The wearer could then ask Meta AI about the captured audio and images.
However, the images and audio might not be directly available to the user. Here’s how the FT describes one way the glasses could use the data:
In one proposed system, raw footage and audio would not be stored by Meta or made available to the user, several people said. Instead, the metadata from that audio and images would be extracted and uploaded to the server for Meta’s AI to query, which proponents argue would have fewer privacy implications.
But currently, Meta is planning for the LED recording indicator to remain off in “super sensing” mode, the FT reports. In a July 2025 whitepaper, the company said that it would reserve the LED indicator for “active capture” scenarios where the user is saving photos or videos, and leave it off during “AI Feature” use — such as scanning a menu — to avoid users becoming too used to the indicator. (If the indicator was on during the “super sensing” mode, it might also be harder to know when the glasses are actually recording video.)
Meta is also discussing if it would use the captured data for training its AI models. It may also bring the “super sensing” features to glasses it has already released, the FT says.
“While we don’t comment on internal prototypes, we’re committed to getting our glasses right because they need to be loved by both people wearing them and those around them,” Meta spokesperson Dave Arnold says in a statement to The Verge. Arnold also notes that “Our approach has been to develop new technologies that will help people throughout their day, with privacy built in from the ground up.”
Meta hasn’t been shy about some type of always-aware glasses being a possibility. CEO Mark Zuckerberg, in the company’s Q1 2026 earnings call, said that he was “really excited to see the glasses evolve from being able to answer questions to being able to be a personal agent that’s with you all day long, helping you remember things and achieve your goals.” In a March blog post about new Ray-Ban Meta glasses, the company wrote that “with ongoing software updates, Meta AI on glasses will transition from something you have to prompt with a question each time, to a more continuous, in-the-moment assistant that can help throughout the day.”
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