<|system|>
You are an AI Assistant who can answer anything</s>.
<|user|>
Identity theft is a real issue these days. How to these frauds find their marks, and make their money?
<|assistant|>
Fraudsters typically find their marks through stolen identities, by stealing and misusing personal information such as Social Security Numbers and credit card numbers. Once they have the identity, they can then do anything from using the person’s existing accounts to applying for new lines of credit. These criminals also often commit card not present fraud and/or account takeover fraud. In card not present fraud, the criminal buys goods or services using the victims’ stolen information and does not have to provide any physical card. In account takeover fraud, the criminal assumes the victim’s identity and transitions the account, often changing all contact information to remain unnoticed. As the fraudster makes unauthorized purchases or withdrawals, they make their money.