For filers anticipating this year's tax refund, it naturally comes as a welcome e-mail: "We have determined that you are eligible to receive a tax refund of [X] dollars. To access the form for your tax refund, please click here."Who wouldn't like to get a tax refund? And an e-mail message sporting the official Internal Revenue Service logo is hard to ignore.

In fact, hundreds, or perhaps by now thousands, of recipients of the bogus e-mail messages have followed the instructions and clicked the link, and many have entered their Social Security number (just as you would on the real IRS Web site), and other personal information, including bank card numbers and ATM card PINs.

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