Or just flat have them fall off complete.

I could write a book about all the times my wife lost her bikinis and other things. Pretty much everything already written here happened. Here's just a sample. I've written way more in other stories.
We loved water parks when younger and I learned where to stand to take pictures as girls and even older women landed in the pool below. As young as our 20's my wife began loosing her tops, sometimes bottoms too, in those water parks. The top below was one of them. Of course back then her and her tits were smaller. Mostly it was at Wisconsin Dells. But later in the Smokeys and wherever there was a park to show off at. She learned to love the attention and since she's always been an exhibitionist this was a way to be topless legally.
I also got called names for taking pictures of other women without tops or bottoms on. Sadly all of our old pictures are long gone.
Even in swimming pools and hot tubs my wife had the habit of just jumping up and down in the water. Of course with heavy titties and tiny bikinis gravity takes over. Sometimes she didn't know it at first. Most times she did it on purpose and didn't care. She'd dive off the side of a pool or off a diving board knowing her top and possibly her bottom would come loose.
Never ever actually completely lost a swim suit. A few times in fast moving streams we had to chase it downstream past others.
We lived in central Illinois and camped a lot above Chicago. Swam often in Lake Michigan. The Lake is very cold and often the waves are large and powerful. The combination causes hard nipples to be exposed.
Several times my wife laughed when men lost their swim trunks. I always thought it was funny until I was standing knee deep with my swimsuit down to my knees. Just as cold water makes nipples shrink, it causes men to shrink too.
After moving to Florida my wife learned that the ocean waves are no place to be wearing a tiny bikini. Her top and bottom were often not covering what they should have, even on the crowded Daytona Beach or Panama City Beach.
As far as skinny dipping and running around nude, we've done that for 50+ years. We'd leave our swim suits or whatever we wore right in the open on a blanket or lawn chair. Never even considered what would happen if they were stolen. lucky I guess.
Yes I've seen many embarrassed females and my wife fully exposed in or near water. Bikinis and thongs were not designed to be worn in water so anyone wearing one should expect to be exposed.

Dollie has been wearing this top since the late 50's. It doesn't stand a chance in water. Yet she still wears it.
Someone stole the bottom while hanging on a line while camped years ago. She wears a bikini bottom that sort of matches when swimming.

Here's my story
 

I like this page nice to read about other girls embarrassing moments
I have had a few all girls have if your born with boobs
You can bet they are gonna fall out in front of someone at some point
All women will face this in their lives some more then other
I have had a lot sadly when your carrying around D's
It's gonna happen so what the hell I tell you my first ever
Well I guess you boys call it an oops :)

It was my sixteenth B-Day now somewhere between my 15th and 16th
My boobs grew I was small at 15 Bcup by my 16th the D's were here to stay
I should of know all the women in my family are large chested it's the Italian Background
My gran was Italian my pop for the record was a white Aussie anyway that's beside the point
And I'm guessing you guys don't give a toss and just want to hear about my boobs falling out

So anyway my 16th arrived I had a little party with family and then I got a call from Taylor my bestie
She said come over and hang out so after I spent time with my family
I headed over and I got their and Tay had got my 6 best friends won't give names
4 of them are girls 2 guys now also their was Taylor's two brothers
We had a bit of fun and a bottle of whiskey was bought out
And I thought what the hell it can't hurt so we started mixing it with Pepsi Max
Well to say I was rather Knocked about by the whiskey would be an understatement
Then Taylor my bestie suggested we hit the beach which was only two minutes away from her place
Only thing is I didn't have a bikini Taylor offered me one of hers what are best friends for
Only issue is Tay is a Ccup so it was a tight fit of course I would never Even think about wearing a Ccup
But as I was slightly intoxicated I said what the hell
Something for the record I was soon to regret anyway
So we headed off it was about 4:30 5:00 roughly
So the waves were massive
And normally would be intimidating but when your drunk you hold no fear so
So in we went the waves were crashing all over us
And we were in two groups girls were talking each other out more to sea
The guys were closer too the shoreline talking about who knows maybe sport
Anyway I'm rambling on so after awhile I decided to check my phone
Us girls can't live without our phones :)
So I broke away from the girls and started walking towards the guys
When I failed to see the huge wave coming behind me
All the other times I had been aware and manage to hold up my bikini Top when the waves hit
Cause I didn't want my boobs falling out at all
I mean how embarrassing to have your big boobs fall out at 16
I mean as you get older well you get used to it
But at 16 it's bad enough especially when it's your first
Anyway this time being so focused on my phone and having my back turned I was sadly unaware
Of the massive wave coming up behind me as I made my way up towards the guys
You where this is going right
It hit me like a tone of bricks my bikini top came down my tits bounced out of my bikini
And where just hanging free now normally I would realise instantly and whip them back in
But because of the alcohol I was almost numb you know how it is
So I pretty much have no Idea my tits are out and I keep trying to run towards the shore
Now I'm pretty much making my way towards
My 4 friends all male tragically and Taylor's two brothers and I'm unaware my boobs are out
They of course are saying nothing to give me the heads up
Guess I can't blame them their guys boobs are their world anyway
I get to my phone no messages head back stumbling all over the place hit the water guys
Still staring normally them staring at my boobs would tip me off something's wrong
But since I'm beyond drunk I was clueless
It's only when I just get passed the guys Tay and the girls notice my boobs are out that they burst into laughter
Now I have no idea while they are laughing it's only when Taylor yells out
Jess your big arse titties are hanging out that I realise that I've just had a hell of an embarrassing moment
I wake up the next day hung over and my god did Taylor's brothers rip into me about it
Jiggle tits is the nickname I have been giving
So there you go that was the most embarrassing moment of my life
It's happened alot since but I've kinda got use to it but that was the worst
There are more I could share but it will save those stories for another day

Suit
 

Right before I met my wife she travelled down to south florida to visit a swingers community. They had a big party that night and all the guys had their way with her! On the way back home she stopped at another beach and started talking to a surfer. They got out in the water and started playing. He got EVERYTHING and so did she! In the process she lost her top. Instead of getting another out of her car she walked topless down the beach to the surf shop and told them she did not have any money and she lost her top. She gave the 3 guys blow jobs and let them fuck her. She came home with a whole lot of free stuff ( well not paid for with cash) and a big smile! I have learned that travelling (among a lot of other things) makes her really horny so I encourage her to make regular road trips. Maybe I will tell about some of those later.

Friend's Girlfriend Bikini Nudity
 

My friend, (Tom), his girlfriend (Melissa), a friend of hers (Patty), another guy friend (Kevin), and I were all swimming at my friend's house. He had one of those inflatable trampoline things. There was no good way to climb onto one.

Melanie was a slender girl, very small tits and an also-small but still well-rounded ass Her bikini she was wearing this day was noticeably too big for her. She was a pretty small girl. Also noteworthy was that she was wearing a strapless top, which again, was a pretty daring move as her tits were very, very small and didn't provide much leverage to keep her top up.

Anyway, we were playing King of the Trampoline, basically, everyone pushing each other off. This led to some fun and compromising positions as it was, but anyway, at one point the 2 girls had been shoved off. Melissa asked Kevin to pull her back up. Kevin was very strong, so he picked her up by 1 hand like a rag doll. However, as he did this, he dragged her against the side of the trampoline on her way up. This slid her top right down to her waist. So Kevin pulled her up, and there hung Melissa, completely topless. Kevin is a nice guy and wouldn't do anything mean on purpose, but I think he was so shocked that he just froze. So there was Melissa, hanging there by 1 hand, freaking out and screaming for Kevin to put her down. But like I said, Kevin just kind of froze, so for a good 5 seconds Melissa just hung on display completely topless flailing around trying to fix her top, to no avail.

Finally, Kevin realized what was happening and dropped her onto the trampoline. Melissa fell to her knees, and was freaking out so much it took her another 10 seconds to get her top pulled back up. Her tits were small, but she had the cutest little brown nipples, and her tits were so small that they were adorable. They were also rock hard from the cold water. And Kevin and I got a great view of them.

Incidentally, not less than 20 minutes later, Melissa and I had both fallen off. She asked Tom to help her up, and when he did, her bottoms caught this time, and her bikini bottoms fell right off her ass. They unfortunately stayed around her knees, but needless to say as Tom pulled her up I got a very nice view of her ass.

I should mention the summer prior I had seen one of her tits when it randomly fell out of her bikini top.

I haven't seen Melissa in a bikini since, but needless to say I hope she hasn't learned her lesson about wearing loose bikinis.

One Piece Fun
 

Sometimes you can just get lucky when it comes to swimsuit oops.

Judy was in her thirties, a slim but busty Filipino I met while out shopping. She was divorced but still very shy and modest. Living close to the beach I invited her for a swim. When she said she didn't swim, I assumed she meant she couldn't swim the truth was that she didn't like to wear a swimsuit she felt too exposed wearing one. She felt a little intimidated by how western women seemed to be so brave when it came to clothes such as bikinis.

Well I took the time to talk her around and said I would buy her a nice one piece and we'd go to part of the beach that was deserted at a time of the day when there were few people about. I didn't give her a chance to change her mind but one an athletic Speedo style one that was both feminine and made her feel happy - but it was a little too tight (more fun later on) and did wonders for her figure.

The first time when we went to the beach, she wore her swimsuit under her clothes and would have ran down the beach had I not been holding her hand. But over the coming weeks she began to get braver and more confident and began to undress at the beach even standing around in a towel in the dunes. She was getting to be a little more daring and confident.

This day at the beach, while we swam, she seemed to be a little distracted, you know the feeling you get when someone wants to tell you something. Judy swam over to me, and in her delightful broken English confessed that she'd never swam naked and wanted to give it a go. I will never forget the look on her face when her petite 5 foot 2inches slipped beneath the gentle lapping waves and she began to slip down her swimsuit. She was blushing bright red as she handed her silver grey swimsuit to me. I was tempted to steal it but I decided not too this was her moment and there would be times for those fun and games later. At first she swam gently around but as she became more confident, but making sure there was no one on the beach, she swam on her back. She was giggling as she came over and reached out for her swimsuit. Maybe if she'd got a swimsuit a little larger she would have been able to get it on back on but I watched her as she struggled to pull it up and kept failing. Maybe the swimsuit had not been such a bargain after all - but it was proving priceless for me!

Defeated, the look in her dark eyes was both confusion and pleading.

She was Stranded and she knew it.

After making sure the beach was deserted I took her by the hand and lead her out of the sea naked. Judy kept looking around, then at me, then looking down at herself as if unable to believe she was naked. then she slipped her hand out of mine and sprinted up the remaining beach to the dunes. When I got there she was read faced and stunned by what she had just done.

I played a few other games with her after that, and even though she blushed and was embarrassed at the time afterwards she did on that private and erotic level enjoyed it.

Friend's friend
 

When I was younger I lived in Fl. for a while. We would go to the beach almost every weekend. One weekend a friend and his wife wanted to go with us. They also brought two friends of their's I had never met. The guy was ok but his wife was a real snob, but she had some huge tits. She and I were the only ones in the water when it happened, a big wave crashed over she and I. When i looked her one piece suit was down around her waist. She was fixing her hair oblivious to her wardrobe malfunction. I looked away so she could fix it. when I looked again, she still hadn't noticed. I cleared my throat and nodded to her chest. she was so embarrassed but still a snob. I at least got to see her big tits though.

Karma can bite back sometimes
 

I knew a similar woman many years ago at the beach, she would hardly ever speak. She was really thin and very flat chested and always wearing a bandeau bikini. This day I saw her swimming and thought nothing of it until a she got hit by a wave and when she surfaced she was sans top. The beach was quite empty being a week day so I took a close walk to where she had left her towel and clothes. she waved for the first time ever and gestured for me to get her a towel and bring it to her from the her bag on the beach. Well being in my teens I decided to have a little fun so instead I picked up her bag, clothes and towel, and much to her embarrassment ran with them and dumped them well along the beach. she could have swam along but instead she hand bra'd herself and ran along the beach to them while trying to stop her bottoms from slipping down!

Fun!

One Summer years ago
 

Many years ago I was living in Arlington VA for the summer, Dad was working up there. The place we were living had a pool were all us older teens hung out. One young lady had been living in Europe for years and was a bit more open than the rest of us. Often when we were the only ones around she would dive in losing her bikini top, it became a regular event, she also did it a few time in font of some of the older guys. It never seemed to happen if their wives were around. She would make a big deal about it squealing and calling all the guys attention to her, as if after the first few times it happened, we weren't all watching each time she got up on the diving board. Man I miss the 70's, it just seems like folks were more laid back about these things.

Helen's first ENF at the beach
 

Hi,
He’s a story I heard from an ex of mine after she’d had a few drinks and lost her inhibitions – and most of her clothes. I’ve shared it with a few men who’ve loved it and It’s about time I shared it here too.
When Helen was twenty, she had a job as a swimming instructor. From her schooldays she’d always enjoyed swimming and now she was getting paid for it. She just couldn’t believe her luck.
When she first started a colleague told her to wear a one piece Speedo style swimsuit, not only did it look better but their straps never seemed to slip by accident and they proved a challenge to some men who would try to create a swimsuit malfunction if they got the chance!
John was in his early thirties and one of the oldest people in her class. He was funny and she found him attractive. He made his feelings obvious by chatting her up and caressing her when no one was looking. Helen felt flattered and excited. Helen’s colleagues had been wrong, John’s fingers were more than capable of getting her straps down and her small pert breasts floating free, leaving her breathless and aroused, while he whispered how he loved to see her that way.
He would have loved this forum!
A short time later, he arranged a date at the beach on her day off. They went in for a swim. They swam a good distance out; she’d suspected that it had been a lie about him being a poor swimmer and his confidence out in the open sea proved it.
His hands began to caress her. He asked if she’d ever swum naked. She hadn’t and she felt strangely embarrassed, as if she suddenly felt immature and less of a woman in front of him. John said he’d soon change that. Before she knew it, he was taking down her one piece, the same one she wore at the classes making it feel all the more forbidden. They were out far enough not to be spied on, so she didn’t resist – well not at first. He dived down, pulled her athletic one piece down to her thighs, then to her knees, ankles, then off.
Helen’s heart was hammering. She’d never felt so daring or vulnerable in her life before.
He smiled and told her he’d never liked it. Scrunching it up he tossed it over his shoulder and out into the incoming waves. Helen said that she’d expected her shriek to be heard over the wet slap of the waves and the joyful noise of the beach. She threw herself forward to grab it but he trapped her in his arms, caressing and exploring her body while she struggled to get free and find her swimsuit. When he did let her go it was no where to be found.
He watched her get more and more desperate.
Helen said her anger soon changed to pleading. She’d looked towards the beach hoping that she could make out a friend that could help her. Oh God, how was she going to get home…she was naked
John was smiling and enjoying her predicament. He said he’d get a towel later – much later. He admitted that he’d lied about not being able to swim. Helen said she’d been quite naïve then, not realizing that the embarrassed naked female fantasy existed, nor that he’d come looking for that certain woman to act it out with and that she had been one of many. For a moment she’d wished her blonde hair had been fairly tale long so she could have wrapped herself in it.
But there was nothing she could do except plead for something to wear.
After what seemed an age he swam off to get her something. Helen’s mind conjured an image of him getting dressed and leaving her there or worse still taking her clothes with him. As she treaded water, she hugged herself less out of the need to cover her nakedness but more in an act of personal reassurance.
She was overjoyed to see him coming back but she couldn’t see a towel. Losing hope of escaping her predicament felt paradoxically worse than losing her swimsuit in the first place.
His fun hadn’t finished, he passed her a small white bikini. She didn’t bother pleading or complaining; she had no choice – he’d planned this from the start. She put it on and swam towards the shore. Helen bit her lip as she walked up the beach knowing how exposed she was and knowing that he was savouring every moment of her embarrassment.
I had expected her to tell me that was the end of their relationship but she surprised me by saying that afterwards she’d got quite a thrill from it. And his other games too.
She was quite a fun lady…