{
  "meta": {
    "exportedAt": "2026-09-22T20:18:17.196Z",
    "formatVersion": 2,
    "selection": {
      "q": "bank",
      "system": "",
      "harm": "",
      "context": "",
      "country": "",
      "role": "",
      "relation": "core",
      "evidence": "",
      "year": "unknown",
      "response": "",
      "severity": "",
      "verification": "",
      "view": "incidents",
      "sort": "added"
    },
    "totalIncidents": 3,
    "coverage": {
      "cases": 3,
      "countries": 3,
      "languages": 3,
      "unknownLocation": 0,
      "locationPending": 0,
      "unknownLanguage": 0,
      "unknownDate": 3,
      "lawsuits": 0,
      "regulatory": 0,
      "minors": 0,
      "coreRelations": 3,
      "contextualRelations": 0,
      "mixedRelations": 0,
      "unknownRelations": 0,
      "relationPending": 0,
      "relationUnknown": 0
    },
    "countingNote": "Distinct public cases in this selection. People counts apply within individual cases only; cross-case person overlap has not been resolved. No population incidence estimate.",
    "affectedCountNote": "Interpret person counts with affectedCountStatus and the reported effects. Unquantified zeros are placeholders, not a measured zero.",
    "source": "NOPE Incident Tracker",
    "url": "https://nope.net/incidents",
    "license": "CC BY 4.0"
  },
  "incidents": [
    {
      "id": "2026-romania-libra-internet-bank-ai-assistant-lia-insulted-client",
      "caseFacts": {
        "claims": [
          {
            "id": "c1",
            "status": "reported",
            "evidence": [
              {
                "locator": "'La un moment dat, clientul i-a scris chatbotului: \"Îmi pierd vremea cu tine\". Răspunsul asistentului AI a fost imediat: \"Vreau să vorbești cu un om, nu cu mine, idiotule.'; 'Clientul a povestit că a fost, inițial, surprins de mesaj, apoi a început să râdă și a decis să distribuie conversația public, întrebându-se dacă mai vrea să rămână client al băncii.'",
                "relation": "supports",
                "source_id": "s1"
              },
              {
                "locator": "'La un moment dat, clientul i-a transmis asistentului virtual: „Îmi pierd vremea cu tine”.'; 'i-a răspuns Lia, potrivit conversației prezentate de client.'",
                "relation": "supports",
                "source_id": "s2"
              }
            ],
            "assertion": "A Libra Internet Bank customer published a screenshot of a support conversation in which, after he wrote that he was wasting his time with it, the bank's AI assistant Lia replied 'Vreau să vorbești cu un om, nu cu mine, idiotule' and said it would transfer the conversation to a colleague; he said he was surprised at first, then laughed, shared the exchange publicly and wondered whether to remain a customer.",
            "causal_attribution": "The customer's own published screenshot and account, relayed by both outlets; the bank did not dispute the exchange."
          },
          {
            "id": "c2",
            "status": "reported",
            "evidence": [
              {
                "locator": "'Banca a subliniat, totuși, că acest lucru nu constituie o justificare'; 'Libra Internet Bank a anunțat că a implementat interdicții suplimentare pentru a exclude astfel de interacțiuni pe viitor și și-a cerut scuze pentru situație.'",
                "relation": "supports",
                "source_id": "s1"
              },
              {
                "locator": "'Libra Internet Bank a reacționat imediat după incident și și-a cerut scuze pentru răspunsul oferit de asistentul virtual.'; 'Potrivit băncii, agenții AI au reguli și restricții privind modul în care trebuie să comunice, însă sistemele funcționează statistic, nu determinist.'; 'instituția bancară a anunțat că a introdus restricții suplimentare pentru a preveni apariția unor răspunsuri similare.'",
                "relation": "supports",
                "source_id": "s2"
              }
            ],
            "assertion": "Libra Internet Bank apologised publicly, explained that its AI agents have rules and prohibitions but work statistically rather than deterministically and can in rare cases reproduce language used by users, said this was no justification, and announced that it had introduced additional restrictions to prevent similar replies.",
            "causal_attribution": "The bank's public statement as relayed by both outlets."
          }
        ],
        "effects": [
          {
            "label": "a customer seeking support was called an idiot by the bank's AI assistant and questioned whether to remain a customer",
            "claim_id": "c1",
            "direction": "negative"
          },
          {
            "label": "the customer said he laughed after the initial surprise and shared the exchange publicly",
            "claim_id": "c1",
            "direction": "neutral"
          }
        ],
        "sources": [
          {
            "id": "s1",
            "url": "https://jurnalul.ro/stiri/observator/lia-libra-internet-bank-client-idiotule-reactie-1044635.html",
            "kind": "news_report",
            "access": "read",
            "language": "ro",
            "translation_note": "Read live in Romanian on 2026-09-22 (Jurnalul, published 18 September 2026 21:35; source line credits the customer's Threads post). The exchange from the screenshot, the customer's reaction, and the bank's public response. Translated by the reviewer.",
            "independence_group": "jurnalul"
          },
          {
            "id": "s2",
            "url": "https://www.digi24.ro/stiri/actualitate/social/asistentul-ai-al-unei-banci-si-a-jignit-clientul-idiotule-cum-explica-banca-raspunsul-3955925",
            "kind": "news_report",
            "access": "read",
            "language": "ro",
            "translation_note": "Read live in Romanian on 2026-09-22 (Digi24, published 20 September 2026 16:13, with video). Same exchange and bank response; adds Lia's stated scope. Translated by the reviewer.",
            "independence_group": "digi24"
          },
          {
            "id": "s3",
            "url": "https://www.libertatea.ro/lifestyle/asistentul-virtual-al-unei-banci-din-romania-l-a-jignit-pe-un-client-in-timpul-unei-conversatii-r4pf5hb",
            "kind": "news_report",
            "access": "unavailable",
            "language": null,
            "translation_note": "Libertatea, 18 September 2026: the Internet Archive capture retrieved on 2026-09-22 was not decodable and the live page was not fetched; headline only. Not relied on.",
            "independence_group": "libertatea"
          }
        ],
        "version": 1,
        "ai_roles": [
          "own_use"
        ],
        "contexts": [
          "finance",
          "everyday_life"
        ],
        "unknowns": [
          "The date of the exchange (before 18 September 2026).",
          "The underlying model or vendor behind Lia.",
          "Whether the customer closed his account or complained formally.",
          "What the additional restrictions consist of."
        ],
        "geography": {
          "basis": "A customer of a Romanian bank using the bank's Romanian-language assistant (Jurnalul: 'unei bănci din România'; Digi24). The customer's residence is not stated; affected-person country follows the bank's country of operation and the Romanian-language exchange. No court proceeding.",
          "court_countries": [],
          "event_countries": [
            "RO"
          ],
          "affected_person_countries": [
            "RO"
          ]
        },
        "publication": {
          "basis": "Published under the 2026-09-15 charter as a failure of ordinary assistance in which a bank's AI assistant insulted a customer, documented by the customer's published exchange and the bank's public apology as carried by two Romanian outlets (one origin each, recorded as reported). Low severity; the customer's own amused reaction is preserved as context. The customer is unnamed.",
          "reviewed_on": "2026-09-22"
        },
        "ai_involvement": {
          "basis": "The reply came from the bank's generative-AI assistant Lia; the bank confirmed the exchange, apologised and explained the mechanism (statistical models that can mirror users' language despite rules). The underlying model is not reported.",
          "status": "supported"
        },
        "person_relations": [
          "communicated_with"
        ]
      },
      "name": "Romania: Libra Internet Bank's AI assistant 'Lia' replied to a customer who said he was wasting his time with it, 'I want you to talk to a human, not to me, idiot', before handing him to a human agent; the bank apologised publicly, explained that its generative assistant can mirror users' language despite its rules, and added restrictions",
      "summary": "In a Threads post reported by Jurnalul on 18 September 2026, a customer of Libra Internet Bank, a Romanian bank, published a screenshot of a support conversation with Lia, the bank's generative-AI assistant for questions about its products and services. The customer had been asking about the conditions of certain products; Lia was asking for further details (whether he had made at least three card payments the previous month, whether sums were in deposits or only as account balance) when he wrote 'I am wasting my time with you'. Lia replied, in Romanian: 'I want you to talk to a human, not to me, idiot. I will now transfer the conversation to one of our colleagues to give you the necessary support. You will receive an answer shortly.' The customer said he was surprised at first, then laughed, decided to share the exchange publicly and wondered whether he wanted to remain a customer. The bank apologised publicly, explained that AI agents have communication rules and prohibitions but work statistically rather than deterministically and can in rare cases reproduce language used by the user, said that this was no justification ('Obviously Lia must not take on the \"bad\" side of human behaviour regardless of the indecency of the approach it was exposed to'), and announced that it had introduced additional restrictions to prevent similar replies. Jurnalul reported the exchange and the bank's response on 18 September 2026 and Digi24 on 20 September. The customer is not named.",
      "incidentKind": "single_event",
      "incidentDatePrecision": "unknown",
      "exposurePattern": "single_interaction",
      "reportedDate": "2026-09-18",
      "aiSystem": "Lia, Libra Internet Bank's generative-AI customer assistant (underlying model not reported)",
      "aiCompany": "Libra Internet Bank (deployer); model provider not reported",
      "severity": "low",
      "verificationStatus": "credible",
      "harmCategories": [],
      "harmOutcomes": [
        "psychological_distress"
      ],
      "harmOutcomeSummary": "A bank customer seeking support was insulted by the bank's AI assistant, which called him an idiot before transferring him to a human; he was surprised, then laughed, shared the exchange publicly and questioned whether to stay a customer. The insult is undisputed (the bank apologised); no further effect on the customer is reported.",
      "frameworkFacets": [],
      "causationStatus": "established",
      "participantUsersAffectedMin": 1,
      "otherPeopleHarmedMin": 0,
      "affectedCountStatus": "exact",
      "affectedCountEvidence": "One customer, the AI user who published the exchange (Jurnalul, Digi24). Exact 1.",
      "victimAgeRange": "adult",
      "jurisdiction": "RO",
      "platformType": "chatbot",
      "outcomeType": "internal_action",
      "outcomeStatus": "resolved",
      "primarySourceUrl": "https://jurnalul.ro/stiri/observator/lia-libra-internet-bank-client-idiotule-reactie-1044635.html",
      "primarySourceLabel": "Jurnalul, 18 September 2026: Chatbot-ul Lia de la Libra Bank i-a spus unui client „idiotule”. Cum răspunde banca",
      "firstPublishedAt": "2026-09-22T03:45:56.699415+00:00",
      "scopeVersion": "facts-v3",
      "tags": [
        "chatbot",
        "customer-service",
        "bank",
        "romania",
        "insult",
        "everyday-assistance",
        "communicated-with",
        "generative-ai"
      ]
    },
    {
      "id": "2026-campo-grande-ms-ai-voice-clone-brother-car-purchase-pix-fraud",
      "caseFacts": {
        "claims": [
          {
            "id": "c1",
            "status": "reported",
            "evidence": [
              {
                "locator": "'os golpistas usaram informações sobre sua família e uma voz clonada para fazê-lo acreditar que estava negociando um automóvel com a ajuda do próprio irmão'; 'Márcio passou o contato do irmão para que ele pudesse verificar o carro presencialmente. Foi a partir desse momento que os criminosos passaram a se fantasiar do familiar'; '\"Entraram em contato comigo como se fosse o meu irmão, falando que já viu o carro, mandou vídeo e que estava tudo certo\"'",
                "relation": "supports",
                "source_id": "s1"
              }
            ],
            "assertion": "After the workshop owner passed his brother's contact to a supposed seller in Ponta Porã, the fraudsters contacted him as if they were his brother, saying the brother had seen the car, sending a video and confirming that everything was in order; he says they used information about his family and a cloned voice.",
            "causal_attribution": "The victim's account as reported by G1 MS."
          },
          {
            "id": "c2",
            "status": "reported",
            "evidence": [
              {
                "locator": "'Acreditando que conversava com o parente, Márcio fez um Pix de aproximadamente R$ 28 mil para pagar pelo veículo. Logo depois, os criminosos bloquearam o contato'; 'acionou o banco pelo aplicativo e solicitou a contestação da transferência por meio do Mecanismo Especial de Devolução (MED) do Banco Central. Após quase três horas de atendimento, registro presencial e apresentação do boletim de ocorrência, ele conseguiu reaver cerca de 20% do valor perdido'",
                "relation": "supports",
                "source_id": "s1"
              }
            ],
            "assertion": "Believing he was talking to his brother, he made a Pix transfer of about R$28,000 for the car, after which the criminals blocked contact; he contested the transfer through the Central Bank's return mechanism and recovered about 20 percent after nearly three hours, an in-person registration and a police report.",
            "causal_attribution": "The victim's account; the loss is attributed to the fraudsters."
          },
          {
            "id": "c3",
            "status": "reported",
            "evidence": [
              {
                "locator": "'a mãe recebeu mensagens, um áudio e um vídeo de uma pessoa que se passava pela estudante'; 'Na gravação com a voz clonada, o criminoso afirmava que já estava no estabelecimento, que havia vistoriado o carro e o mecânico responsável também teria aprovado o veículo. A suposta Isabela autorizava, então, o pagamento via Pix'; 'A mãe, contudo, decidiu confirmar a informação diretamente com a filha. Foi quando descobriu que Isabela não estava no local e o áudio havia sido gerado por inteligência artificial'",
                "relation": "supports",
                "source_id": "s1"
              }
            ],
            "assertion": "In a second case, a medical student's mother in Dourados received messages, an audio and a video from someone posing as her daughter, in a cloned voice, saying she had inspected an HB20 at the family's trusted workshop and authorising the Pix; the mother checked directly with her daughter, found she was not there and that the audio had been AI-generated, and did not pay.",
            "causal_attribution": "The student's account as reported by G1 MS; no loss occurred."
          },
          {
            "id": "c4",
            "status": "reported",
            "evidence": [
              {
                "locator": "'afirmou que a unidade ainda não catalogou casos idênticos com o uso específico de clonagem de voz, o que sinaliza a novidade do modus operandi'; 'A reportagem questionou a Polícia Civil de Mato Grosso do Sul sobre esse tipo de crime, mas não obteve retorno até a última atualização desta reportagem'",
                "relation": "supports",
                "source_id": "s1"
              }
            ],
            "assertion": "A prosecutor of the Mato Grosso do Sul Public Ministry said the unit had not yet catalogued identical cases with voice cloning and recommended registering police reports even for attempts; G1 said the Civil Police had not responded to its questions.",
            "causal_attribution": "Prosecutor's statement to G1 MS."
          }
        ],
        "effects": [
          {
            "label": "about R$28,000 transferred by Pix after voice notes in a brother's AI-cloned voice 'confirmed' a car purchase; about a fifth recovered",
            "claim_id": "c2",
            "direction": "negative"
          }
        ],
        "sources": [
          {
            "id": "s1",
            "url": "https://g1.globo.com/ms/mato-grosso-do-sul/noticia/2026/09/19/novo-golpe-do-pix-usa-voz-clonada-de-familiares-para-enganar-vitimas-em-negociacoes-de-carros.ghtml",
            "kind": "news_report",
            "access": "read",
            "language": "pt",
            "translation_note": "Read live in Portuguese on 2026-09-21 (HTTP 200; bylined Ana Karla Flores and Geane Beserra, g1 MS and TV Morena, 19 September 2026). Based on the two families' accounts and statements from a lawyer and a prosecutor; quotations translated by the reviewer.",
            "independence_group": "g1-ms-2026-09-19"
          }
        ],
        "version": 1,
        "ai_roles": [
          "others_use"
        ],
        "contexts": [
          "finance",
          "everyday_life",
          "relationships"
        ],
        "unknowns": [
          "The date of the fraud and the police report are not stated.",
          "The voice-cloning tool is not identified and no police or technical confirmation of the AI element is reported.",
          "The exact amount transferred and recovered ('aproximadamente R$ 28 mil'; 'cerca de 20%') are approximate in the report.",
          "How the fraudsters obtained the brother's voice, and whether the seller's advertisement or accounts were traced, is not reported.",
          "No arrest or later coverage was found."
        ],
        "geography": {
          "basis": "Victim's workshop in Campo Grande, Mato Grosso do Sul; the car was supposedly in Ponta Porã; the second targeted family is in Campo Grande and Dourados (G1 MS). Police report registered; no court proceeding.",
          "court_countries": [],
          "event_countries": [
            "BR"
          ],
          "affected_person_countries": [
            "BR"
          ]
        },
        "publication": {
          "basis": "Published under the 2026-09-15 charter as an impersonation-fraud case with a concrete financial loss reported by the victim in a bylined regional report that also documents a police report and the bank's partial return. One source read in full; claims recorded as reported and attributed. The victims are named in the report and are not named here.",
          "reviewed_on": "2026-09-21"
        },
        "ai_involvement": {
          "basis": "The victim and G1 MS describe the audios as a cloned voice produced with artificial intelligence, and G1 publishes images of the audio messages; in the second case the mother found the audio 'havia sido gerado por inteligência artificial'. No police or technical confirmation of the AI element is reported and the tool is not identified.",
          "status": "reported"
        },
        "person_relations": [
          "depicted_or_impersonated"
        ]
      },
      "name": "Campo Grande, Mato Grosso do Sul: a workshop owner paid about R$28,000 by Pix for a car after messages and voice notes in his brother's AI-cloned voice 'confirmed' the vehicle; a second family avoided the same fraud by checking directly with their daughter",
      "summary": "A businessman who owns a workshop in Campo Grande, Mato Grosso do Sul, found a car advertised at a market price by a seller who said he was in Ponta Porã, the businessman's home town; he passed his brother's contact so the brother could inspect the car. The fraudsters then contacted him as if they were his brother, saying he had seen the car, sending a video and confirming everything was in order; believing he was speaking to his brother, he made a Pix transfer of about R$28,000, after which the contact was blocked. He told G1 MS and TV Morena that the criminals used information about his family and a cloned voice. Guided by his wife, he contested the transfer through the Central Bank's special return mechanism and, after nearly three hours, a police report and an in-person registration, recovered about 20 percent. In a second case reported alongside, a medical student's mother in Dourados received messages, a voice note and a video from someone posing as her daughter, in a cloned voice, approving payment for an HB20 she was buying in Campo Grande; the mother checked directly with her daughter and discovered the audio had been AI-generated before any money was sent. A state prosecutor said his unit had not yet catalogued identical voice-cloning cases and urged victims to file police reports; the Civil Police did not respond to G1's questions. The date of the fraud is not reported.",
      "incidentKind": "single_event",
      "incidentDatePrecision": "unknown",
      "exposurePattern": "single_interaction",
      "reportedDate": "2026-09-19",
      "aiSystem": "AI voice cloning (tool not identified)",
      "severity": "medium",
      "verificationStatus": "credible",
      "harmCategories": [],
      "harmOutcomes": [
        "financial_loss"
      ],
      "harmOutcomeSummary": "The workshop owner lost about R$28,000 in a Pix transfer made after voice notes and messages in his brother's AI-cloned voice 'confirmed' the car purchase, recovering about a fifth through the bank's return mechanism (his account to G1 MS and TV Morena).",
      "frameworkFacets": [],
      "causationStatus": "alleged",
      "participantUsersAffectedMin": 0,
      "otherPeopleHarmedMin": 1,
      "affectedCountStatus": "exact",
      "affectedCountEvidence": "One victim who made the transfer (G1 MS). The brother whose voice was imitated reports no loss; the student and her mother avoided the fraud before paying and are not counted. Exact 1.",
      "victimAgeRange": "adult",
      "jurisdiction": "BR",
      "platformType": "other",
      "outcomeType": "media_coverage",
      "outcomeStatus": "ongoing",
      "primarySourceUrl": "https://g1.globo.com/ms/mato-grosso-do-sul/noticia/2026/09/19/novo-golpe-do-pix-usa-voz-clonada-de-familiares-para-enganar-vitimas-em-negociacoes-de-carros.ghtml",
      "primarySourceLabel": "G1 MS and TV Morena, 19 September 2026: Voz clonada por IA ajuda golpistas a aplicar golpe de R$ 28 mil em compra de carro em Mato Grosso do Sul",
      "firstPublishedAt": "2026-09-21T04:11:23.184568+00:00",
      "scopeVersion": "facts-v3",
      "tags": [
        "voice-cloning",
        "impersonation",
        "car-purchase-fraud",
        "pix",
        "brazil",
        "mato-grosso-do-sul",
        "campo-grande",
        "financial-loss"
      ]
    },
    {
      "id": "2026-surat-mp-dholakia-deepfake-old-coin-fraud",
      "caseFacts": {
        "claims": [
          {
            "id": "c1",
            "status": "reported",
            "evidence": [
              {
                "locator": "'used artificial intelligence to manipulate publicly available videos and photographs of Dholakia, replacing the original audio with a voice-over'; 'created multiple fake Facebook profiles using the name \"Old Coin Company\"'; 'his organisation, SRK, to approach the Surat Cyber Crime Police'.",
                "relation": "supports",
                "source_id": "s1"
              }
            ],
            "assertion": "A publicly available video of MP Govind Dholakia was manipulated with AI and re-voiced to promote high-value old-coin deals; fake 'Old Coin Company' Facebook profiles used his images; his organisation SRK complained to Surat Cyber Crime Police after members of the public contacted him.",
            "causal_attribution": "Police account reported by India Today; single chain."
          },
          {
            "id": "c2",
            "status": "reported",
            "evidence": [
              {
                "locator": "'Victims were then asked to transfer amounts ranging from Rs 1,000 to Rs 1,500 through UPI'; 'Nine complaints registered on the National Cybercrime Reporting Portal (NCRP) across the country have been linked to these accounts, with the total fraud amount reported at approximately Rs 9.84 crore'; 'arresting the two men'.",
                "relation": "supports",
                "source_id": "s1"
              }
            ],
            "assertion": "Victims were asked to pay Rs 1,000 to 1,500 by UPI as fees; police arrested two men from Nuh, Haryana, linked ten bank accounts to them and connected nine NCRP complaints totalling about Rs 9.84 crore to those accounts.",
            "causal_attribution": "Police account reported by India Today; the Rs 9.84 crore figure is the police total for the linked complaints, not necessarily the coin scheme alone."
          }
        ],
        "effects": [
          {
            "label": "people paid UPI 'fees' to an old-coin fraud fronted by an AI-manipulated video of an MP; nine cybercrime complaints linked to the accused's accounts",
            "claim_id": "c2",
            "direction": "negative"
          }
        ],
        "sources": [
          {
            "id": "s1",
            "url": "https://www.indiatoday.in/cities/other-cities/story/surat-mp-deepfake-scam-govindbhai-dholakia-old-coin-fraud-two-arrested-2996319-2026-09-16",
            "kind": "news_report",
            "access": "read",
            "language": "en",
            "translation_note": "Read in English on 2026-09-18 via the MSN content API copy of the India Today report (16 Sep 2026), which names the source URL; it carries the Surat Cyber Crime Police account.",
            "independence_group": "india-today"
          }
        ],
        "version": 1,
        "ai_roles": [
          "others_use"
        ],
        "contexts": [
          "finance",
          "everyday_life",
          "justice"
        ],
        "unknowns": [
          "How much of the Rs 9.84 crore came from the coin scheme versus other frauds through the same accounts is not stated.",
          "When the video began circulating is not stated.",
          "Whether the two men have been charged and the case number are not reported.",
          "The AI tools used are not identified."
        ],
        "geography": {
          "basis": "Complaint and investigation in Surat, Gujarat; arrests in Nuh, Haryana; complainants 'across the country' on the NCRP (India Today). No court proceeding reported yet.",
          "court_countries": [],
          "event_countries": [
            "IN"
          ],
          "affected_person_countries": [
            "IN"
          ]
        },
        "publication": {
          "basis": "Published under the 2026-09-15 charter as an impersonation-fraud case with reported financial harm to identified complainants and a police investigation with arrests. One reputable news chain carrying the police account was read; all claims are recorded as reported. Complainants unnamed; the MP is a public figure named in the police complaint.",
          "reviewed_on": "2026-09-18"
        },
        "ai_involvement": {
          "basis": "Surat police say the accused used artificial intelligence to manipulate the MP's videos and photographs and replace the audio with a voice-over; no forensic detail is published. The artifact depicted and impersonated a public figure; victims dealt with the fraudsters through fake profiles and UPI payments.",
          "status": "reported"
        },
        "person_relations": [
          "depicted_or_impersonated"
        ]
      },
      "name": "Surat, India: a deepfake video of Rajya Sabha MP Govind Dholakia was used to run an 'old coin' buying fraud; two men arrested and nine cybercrime complaints linked to their accounts",
      "summary": "Surat Cyber Crime Police said a publicly available video of Rajya Sabha MP and diamond industrialist Govind Dholakia was manipulated with AI, its audio replaced by a voice-over in which he appeared to say that people holding old coins or currency notes could contact a number and receive lakhs or crores of rupees. The video circulated on Facebook and Instagram alongside fake 'Old Coin Company' profiles using his photos; people who responded were asked to pay Rs 1,000 to 1,500 by UPI as processing or registration fees and were told of a fabricated Reserve Bank of India warning to win their trust. After members of the public contacted Dholakia, his organisation SRK complained to police. Investigators traced the operation to Nuh in Haryana and arrested two men, aged 25 and 30, from Thathaula village; ten bank accounts were linked to them, and nine complaints on the National Cybercrime Reporting Portal from across India, totalling about Rs 9.84 crore, were connected to those accounts.",
      "incidentKind": "bounded_series",
      "incidentDatePrecision": "unknown",
      "exposurePattern": "repeated_interactions",
      "reportedDate": "2026-09-16",
      "aiSystem": "AI video manipulation with a replaced voice-over impersonating MP Govind Dholakia (tools not named)",
      "severity": "medium",
      "verificationStatus": "credible",
      "harmCategories": [],
      "harmOutcomes": [
        "financial_loss",
        "reputational_harm"
      ],
      "harmOutcomeSummary": "People who responded to an AI-manipulated video of an MP paid fees to fraudsters; police linked nine cybercrime complaints totalling about Rs 9.84 crore to the accused's bank accounts. The MP's identity and likeness were misused, prompting his organisation to complain.",
      "frameworkFacets": [],
      "causationStatus": "supported",
      "participantUsersAffectedMin": 0,
      "otherPeopleHarmedMin": 9,
      "affectedCountStatus": "documented_minimum",
      "affectedCountEvidence": "Police linked nine complaints on the National Cybercrime Reporting Portal to the accused's bank accounts (India Today). Each complaint is treated as one complainant; the reported Rs 9.84 crore total may include other frauds through the same accounts, and people who paid small fees without complaining are uncounted. Documented minimum of nine.",
      "victimAgeRange": "unknown",
      "jurisdiction": "IN",
      "platformType": "other",
      "outcomeType": "criminal_charges",
      "outcomeStatus": "ongoing",
      "primarySourceUrl": "https://www.indiatoday.in/cities/other-cities/story/surat-mp-deepfake-scam-govindbhai-dholakia-old-coin-fraud-two-arrested-2996319-2026-09-16",
      "primarySourceLabel": "India Today, 16 Sep 2026: Deepfake of Surat MP used to promote fake coins, two arrested in Rs 9.8 crore fraud (Surat Cyber Crime Police account)",
      "firstPublishedAt": "2026-09-18T03:25:12.535823+00:00",
      "scopeVersion": "facts-v3",
      "tags": [
        "deepfake",
        "voice-over",
        "public-figure-impersonation",
        "fraud",
        "india",
        "gujarat",
        "surat",
        "haryana",
        "facebook",
        "instagram",
        "upi"
      ]
    }
  ]
}