What a CVV dump is
A CVV dump is a file of payment card data. The file holds the card number, expiry date, cardholder name, and in some cases the CVV or CVC code. The data comes from card breaches, skimmers, phishing pages, and merchant systems that mishandled card records. No card network issues or licenses these files.
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Why sellers ask for bitcoin
Bitcoin lets a seller take payment without a card processor, so no acquirer sees the transaction. The buyer has no chargeback right. The FBI Internet Crime Complaint Center reported more than $5.6 billion in cryptocurrency-related fraud losses in 2023, and card data sold ahead of delivery is one part of that pattern.
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What US law says
18 U.S.C. § 1029 covers access devices, a category that includes payment card account numbers and CVV codes. Producing, selling, receiving, or holding stolen card data with intent to defraud is a federal offense. Some counts carry up to 15 years in prison. Others carry up to 10 years, plus fines. Under the statute a purchase is not a lesser act than a sale. The Department of Justice brings these cases all year.
Parameters for legal card use
- Source: the card data must come from the cardholder. A merchant that takes the number from any other source holds no valid authorization.
- CVV storage: PCI DSS forbids keeping the CVV or CVC after authorization, in any form. A merchant that stores the three or four digit code fails the standard.
- Verification: Address Verification Service checks the billing address against the issuer record. 3-D Secure moves authentication to the issuer and shifts fraud liability.
- Settlement: card networks settle through member banks. A bitcoin payment to an unnamed seller sits outside that chain and offers no dispute path.
Pitfalls
- The seller takes payment and sends nothing. There is no recourse and no refund.
- The account was already closed or the card reported stolen, so the data fails on the first test.
- The same record is sold to several buyers, and fraud rules trip on the account at the first use.
- Bitcoin transfers are public and permanent. The payment leaves a record that does not expire.
- Buyers who pay are targets for follow-on demands from the same seller.
If your card data is exposed
Call the issuer and ask for a new card number. The FTC runs IdentityTheft.gov, where a report produces a recovery plan and a pre-filled affidavit. Read card statements and credit reports. In the US, free weekly credit reports from each bureau are available through AnnualCreditReport.com. A freeze at all three bureaus blocks new accounts opened in your name.