[heavyset_go]

ChatGPT used the name on my credit card, a name which isn't uncommon, and started talking about my business, XYZ, that I don't have and never claimed to.

Did some digging and there was an obscure reference to a company that folded a long time ago associated with someone who has my name.

What makes it creepier is that they have the same middle name, which isn't in my profile or on my credit card.

When I signed up for ChatGPT, not only did I turn off personalization and training on my data, I even filled out the privacy request opt-out[1] that they're required to adhere to by law in several places.

Also, given that my name isn't rare, there are unfortunately some people with unsavory histories documented online with the name. I can't wait to be confused for one of them.

[1] https://privacy.openai.com/policies/en/

[rsync]

“ When I signed up for ChatGPT, not only did I turn off personalization and training on my data, I even filled out the privacy request opt-out …”

You did all of that but then you gave them your real name?

Visa/MC payment network has no ability to transfer or check card holder name. Merchants act as if it does, but it doesn’t. You can enter Mickey Mouse as your first name and last name… It won’t make any difference.

Only AMEX and Discover have the ability to validate names.

FWIW, I have a paid account with OpenAI, for using ChatGPT, and I gave them no personal information.

[heavyset_go]

Wasn't aware of this, I've had payments denied because of simple typos in my name on the card or in my billing address.

[rsync]

If it is Visa/MC there is no validation of first/last unless an additional verification step is layered on top by your bank. "Verified by VISA" is one example.

They can, and do, validate on street number and/or zip code so you can certainly error out on typos there ... but not name.