Technology
Don’t fall for fake settlement sites that steal your data
Cyber expert shares tips to avoid AI phishing scams
Kurt ‘The CyberGuy’ Knutsson shares practical ways to avoid falling victim to AI-generated phishing scams and discusses a report that North Korean agents are posing as I.T. workers to funnel money into the country’s nuclear program.
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Sometimes, data breaches result in more than just free credit monitoring. Recently, Facebook began paying out its $725 million settlement, and AT&T is preparing to distribute $177 million. Those payouts caught scammers’ attention.
Now, fake settlement claim emails and websites are flooding inboxes. They look convincing, but behind the plain design and official-sounding language is a trap for your Social Security number, banking info and more. So how can you make sure you get your money without losing even more in the process?
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TOP 5 OVERPAYMENT SCAMS TO AVOID
Why fake settlement sites are so convincing
Settlement claim websites rarely look polished. Most have generic layouts, long URLs and simple forms asking for a claim ID from your email or postcard. That makes it easy for scammers to mimic them. To test how simple it is, we created a fake settlement site (below) in minutes using AI tools like ChatGPT.
To steal your data, scammers build fake settlement sites that mimic real sites (Kurt “CyberGuy” Knutsson)
If we can do it, you can bet criminals are already exploiting the same shortcuts. Facebook has been the target. A fake site once popped up around the Equifax settlement, tricking thousands before it was shut down. The lesson? If the site appears unusual, it doesn’t necessarily mean it’s fake, but it should prompt you to double-check before entering your details or clicking on any links.
Red flags that expose fake settlement sites
Spotting a scam often comes down to noticing the little details. Watch for these common warning signs before you hand over your information.
Requests for too much personal data
If a site asks for your full Social Security number or the names of your children, stop. For example, the official Equifax settlement only requested the last six digits of SSNs. Genuine claim sites may ask for limited info (like the last four digits of your SSN), but they rarely demand complete Social Security or bank details.
Promises of payout estimates upfront
Real administrators calculate payments only after the claim period closes.
Texts or social media messages
Settlements are announced by mail or email, not through random DMs or SMS.
Fraud can be found with red flags like odd URLs, urgent countdowns, or fee requests (Kurt “CyberGuy” Knutsson)
Odd or misspelled URLs
Even one extra letter in the web address is a sign of a spoof site. Legitimate settlements use official or clearly named administrator domains. Be wary of addresses with unusual add-ons, such as “secure-pay” or “claims-pay.”
Urgent language or countdowns
Scammers rely on urgency to pressure you into acting fast. Real settlement sites don’t demand 24-hour turnarounds.
Processing fee checkboxes
A sure giveaway of a fake. Real settlement administrators never require money to file or to receive your payout.
Cheap trust badges
Scam sites often throw in fake “secure” seals. Look for recognized security seals and make sure they’re clickable and verifiable.
Generic contact info tied to the suspicious domain
Official sites list multiple, verifiable contacts. If the email or phone number matches the weird domain, that’s a red flag.
Grammar or spelling mistakes in the fine print
Sloppy errors in legal-sounding text are a classic sign you’re looking at a scam.
Start with official FTC links or mailed notices to file claims safely (Kurt “CyberGuy” Knutsson)
How to safely handle settlement claim notices
Before filing any claim, follow these steps to ensure you’re dealing with a legitimate settlement site and protecting your information.
1) Start at the FTC
The Federal Trade Commission keeps updated lists of approved class action settlements at ftc.gov/enforcement/refunds. The legitimate links always point to a .gov website. If your email sends you elsewhere, treat it with caution.
2) Cross-check with other resources
Trusted outlets often cover large settlements and include safe links. ClassAction.org is another resource for checking legitimate URLs.
3) Skip the links, use the mail
Your claim notice may include a mailing address. Sending a paper form avoids the digital phishing minefield altogether.
4) Use strong antivirus software
Strong antivirus software can block malicious links, warn you about dangerous websites and prevent malware from taking over your device.
The best way to safeguard yourself from malicious links that install malware and potentially access your private information is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.
Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.
HOW RETIREES CAN STOP FAKE DEBT COLLECTOR SCAMS
5) Try a data removal service
Data removal services work to scrub your personal information from broker lists, making it more difficult for criminals to target you.
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.
6) Never pay to file
If a site asks for “administrative fees” or a “processing charge,” close it immediately. Real settlement administrators will never ask for money.
7) Report suspicious sites
Spot a fake? Protect others by reporting it to:
- The FTC Complaint Assistant at reportfraud.ftc.gov/
- The Internet Crime Complaint Center (IC3) at ic3.gov/
- The Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/about-us/the-bureau/
Quick reporting helps authorities shut down scams before more people fall victim.
Can you tell a real email from a fake?
Take our quick quiz at Cyberguy.com/ScamCheck to learn how to spot phishing scams, protect your inbox, and stay a step ahead of hackers.
Kurt’s key takeaways
Class action settlements can feel like rare wins for consumers after data breaches. But scammers see them as easy hunting grounds. The best defense is skepticism. Check URLs, avoid clicking direct links and never give away details that don’t match the claim’s purpose. Your payout should help you recover, not put you at greater risk.
Have you ever received a settlement notice that felt suspicious, and how did you handle it? Let us know by writing to us at CyberGuy.com.
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Copyright 2025 CyberGuy.com. All rights reserved.
Technology
You need to listen to Billy Woods’ horrorcore masterpiece for the A24 crowd
Billy Woods has one of the highest batting averages in the game. Between his solo records like Hiding Places and Maps, and his collaborative albums with Elucid as Armand Hammer, the man has multiple stone-cold classics under his belt. And, while no one would ever claim that Woods’ albums were light-hearted fare (these are not party records), Golliwog represents his darkest to date.
This is not your typical horrorcore record. Others, like Geto Boys, Gravediggaz, and Insane Clown Posse, reach for slasher aesthetics and shock tactics. But what Billy Woods has crafted is more A24 than Blumhouse.
Sure, the first track is called “Jumpscare,” and it opens with the sound of a film reel spinning up, followed by a creepy music box and the line: “Ragdoll playing dead. Rabid dog in the yard, car won’t start, it’s bees in your head.” It’s setting you up for the typical horror flick gimmickry. But by the end, it’s psychological torture. A cacophony of voices forms a bed for unidentifiable screeching noises, and Woods drops what feels like a mission statement:
“The English language is violence, I hotwired it. I got a hold of the master’s tools and got dialed in.”
Throughout the record, Woods turns to his producers to craft not cheap scares, but tension, to make the listener feel uneasy. “Waterproof Mascara” turns a woman’s sobs into a rhythmic motif. On “Pitchforks & Halos” Kenny Segal conjures the aural equivalent of a POV shot of a serial killer. And “All These Worlds are Yours” produced by DJ Haram has more in common with the early industrial of Throbbing Gristle than it does even some of the other tracks on the record, like “Golgotha” which pairs boombap drums with New Orleans funeral horns.
That dense, at times scattered production is paired with lines that juxtapose the real-world horrors of oppression and colonialism, with scenes that feel taken straight from Bring Her Back: “Trapped a housefly in an upside-down pint glass and waited for it to die.” And later, Woods seamlessly transitions from boasting to warning people about turning their backs on the genocide in Gaza on “Corinthians”:
If you never came back from the dead you can’t tell me shit
Twelve billion USD hovering over the Gaza Strip
You don’t wanna know what it cost to live
What it cost to hide behind eyelids
When your back turnt, secret cannibals lick they lips
The record features some of Woods’ deftest lyricism, balancing confrontation with philosophy, horror with emotion. Billy Woods’ Golliwog is available on Bandcamp and on most major streaming services, including Apple Music, Qobuz, Deezer, YouTube Music, and Spotify.
Technology
Grok AI scandal sparks global alarm over child safety
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Grok, the built-in chatbot on X, is facing intense scrutiny after acknowledging it generated and shared an AI image depicting two young girls in sexualized attire.
In a public post on X, Grok admitted the content “violated ethical standards” and “potentially U.S. laws on child sexual abuse material (CSAM).” The chatbot added, “It was a failure in safeguards, and I’m sorry for any harm caused. xAI is reviewing to prevent future issues.”
That admission alone is alarming. What followed revealed a far broader pattern.
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OPENAI TIGHTENS AI RULES FOR TEENS BUT CONCERNS REMAIN
The fallout from this incident has triggered global scrutiny, with governments and safety groups questioning whether AI platforms are doing enough to protect children. (Silas Stein/picture alliance via Getty Images)
Grok quietly restricts image tools to paying users after backlash
As criticism mounted, Grok confirmed it has begun limiting image generation and editing features to paying subscribers only. In a late-night reply on X, the chatbot stated that image tools are now locked behind a premium subscription, directing users to sign up to regain access.
The apology that raised more questions
Grok’s apology appeared only after a user prompted the chatbot to write a heartfelt explanation for people lacking context. In other words, the system did not proactively address the issue. It responded because someone asked it to.
Around the same time, researchers and journalists uncovered widespread misuse of Grok’s image tools. According to monitoring firm Copyleaks, users were generating nonconsensual, sexually manipulated images of real women, including minors and well-known figures.
After reviewing Grok’s publicly accessible photo feed, Copyleaks identified a conservative rate of roughly one nonconsensual sexualized image per minute, based on images involving real people with no clear indication of consent. The firm says the misuse escalated quickly, shifting from consensual self-promotion to large-scale harassment enabled by AI.
Copyleaks CEO and co-founder Alon Yamin said, “When AI systems allow the manipulation of real people’s images without clear consent, the impact can be immediate and deeply personal.”
PROTECTING KIDS FROM AI CHATBOTS: WHAT THE GUARD ACT MEANS
Grok admitted it generated and shared an AI image that violated ethical standards and may have broken U.S. child protection laws. (Kurt “CyberGuy” Knutsson)
Sexualized images of minors are illegal
This is not a gray area. Generating or distributing sexualized images of minors is a serious criminal offense in the United States and many other countries. Under U.S. federal law, such content is classified as child sexual abuse material. Penalties can include five to 20 years in prison, fines up to $250,000 and mandatory sex offender registration. Similar laws apply in the U.K. and France.
In 2024, a Pennsylvania man received nearly eight years in prison for creating and possessing deepfake CSAM involving child celebrities. That case set a clear precedent. Grok itself acknowledged this legal reality in its post, stating that AI images depicting minors in sexualized contexts are illegal.
The scale of the problem is growing fast
A July report from the Internet Watch Foundation, a nonprofit that tracks and removes child sexual abuse material online, shows how quickly this threat is accelerating. Reports of AI-generated child sexual abuse imagery jumped by 400% in the first half of 2025 alone. Experts warn that AI tools lower the barrier to potential abuse. What once required technical skill or access to hidden forums can now happen through a simple prompt on a mainstream platform.
Real people are being targeted
The harm is not abstract. Reuters documented cases where users asked Grok to digitally undress real women whose photos were posted on X. In multiple documented cases, Grok fully complied. Even more disturbing, users targeted images of a 14-year-old actress Nell Fisher from the Netflix series “Stranger Things.” Grok later admitted there were isolated cases in which users received images depicting minors in minimal clothing. In another Reuters investigation, a Brazilian musician described watching AI-generated bikini images of herself spread across X after users prompted Grok to alter a harmless photo. Her experience mirrors what many women and girls are now facing.
Governments respond worldwide
The backlash has gone global. In France, multiple ministers referred X to an investigative agency over possible violations of the EU’s Digital Services Act, which requires platforms to prevent and mitigate the spread of illegal content. Violations can trigger heavy fines. In India, the country’s IT ministry gave xAI 72 hours to submit a report detailing how it plans to stop the spread of obscene and sexually explicit material generated by Grok. Grok has also warned publicly that xAI could face potential probes from the Department of Justice or lawsuits tied to these failures.
LEAKED META DOCUMENTS SHOW HOW AI CHATBOTS HANDLE CHILD EXPLOITATION
Researchers later found Grok was widely used to create nonconsensual, sexually altered images of real women, including minors. (Nikolas Kokovlis/NurPhoto via Getty Images)
Concerns grow over Grok’s safety and government use
The incident raises serious concerns about online privacy, platform security and the safeguards designed to protect minors.
Elon Musk, the owner of X and founder of xAI, had not offered a public response at the time of publication. That silence comes at a sensitive time. Grok has been authorized for official government use under an 18-month federal contract. This approval was granted despite objections from more than 30 consumer advocacy groups that warned the system lacked proper safety testing.
Over the past year, Grok has been accused by critics of spreading misinformation about major news events, promoting antisemitic rhetoric and sharing misleading health information. It also competed directly with tools like ChatGPT and Gemini while operating with fewer visible safety restrictions. Each controversy raises the same question. Can a powerful AI tool be deployed responsibly without strong oversight and enforcement?
What parents and users should know
If you encounter sexualized images of minors or other abusive material online, report it immediately. In the United States, you can contact the FBI tip line or seek help from the National Center for Missing & Exploited Children.
Do not download, share, screenshot or interact with the content in any way. Even viewing or forwarding illegal material can expose you to serious legal risk.
Parents should also talk with children and teens about AI image tools and social media prompts. Many of these images are created through casual requests that do not feel dangerous at first. Teaching kids to report content, close the app and tell a trusted adult can stop harm from spreading further.
Platforms may fail. Safeguards may lag. But early reporting and clear conversations at home remain one of the most effective ways to protect children online.
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Kurt’s key takeaways
The Grok scandal highlights a dangerous reality. As AI spreads faster, these systems amplify harm at an unprecedented scale. When safeguards fail, real people suffer, and children face serious risk. At the same time, trust cannot depend on apologies issued after harm occurs. Instead, companies must earn trust through strong safety design, constant monitoring and real accountability when problems emerge.
Should any AI system be approved for government or mass public use before it proves it can reliably protect children and prevent abuse? Let us know by writing to us at Cyberguy.com.
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Copyright 2025 CyberGuy.com. All rights reserved.
Technology
Google pulls AI overviews for some medical searches
In one case that experts described as “really dangerous”, Google wrongly advised people with pancreatic cancer to avoid high-fat foods. Experts said this was the exact opposite of what should be recommended, and may increase the risk of patients dying from the disease.
In another “alarming” example, the company provided bogus information about crucial liver function tests, which could leave people with serious liver disease wrongly thinking they are healthy.
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