{"meta":{"exportedAt":"2026-10-31T08:40:24.239Z","formatVersion":2,"selection":{"q":"compensation","system":"","harm":"","context":"","country":"","role":"","relation":"core","evidence":"","year":"2025","response":"","severity":"","verification":"","view":"incidents","sort":"added"},"totalIncidents":4,"coverage":{"cases":4,"countries":2,"languages":3,"unknownLocation":2,"locationPending":0,"unknownLanguage":0,"unknownDate":0,"lawsuits":1,"regulatory":2,"minors":0,"coreRelations":4,"contextualRelations":1,"mixedRelations":1,"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":"AI incidents","publisher":"NOPE","url":"https://nope.net/incidents","license":"CC BY 4.0"},"incidents":[{"id":"2025-yaroslavl-court-orders-parents-of-pupil-who-made-ai-video-turning-teacher-into-bare-chested-man-to-pay-her-damages","caseFacts":{"claims":[{"id":"c1","status":"reported","evidence":[{"locator":"'Инцидент произошел в феврале 2025 года, когда ученик снял на видео преподавательницу математики одной из школ города на уроке без ее ведома и согласия.'; 'Затем с помощью нейросети на основе полученного изображения подросток сгенерировал видео, в котором педагог превращается в мужчину с обнаженным торсом атлетического сложения, и опубликовал этот ролик в чате класса.'","relation":"supports","source_id":"s1"},{"locator":"'В пресс-службе суда рассказали, что инцидент произошел в феврале 2025 года.'","relation":"supports","source_id":"s2"},{"locator":"'Видео разлетелось по чату класса, и педагог, узнав об этом, обратилась в суд с иском к родителям ученика.'","relation":"supports","source_id":"s3"}],"assertion":"The court's press service says that in February 2025 a seventh-grade pupil filmed his teacher at work without her knowledge or consent and used a neural network to generate a video from it in which she turns into a man with a bare athletic torso, which he posted in the class chat.","causal_attribution":"Court press-service account relayed by three outlets (one origin); the parents did not dispute the filming or the video."},{"id":"c2","status":"reported","evidence":[{"locator":"'Женщина рассказала в заявлении, что после произошедшего не хотела возвращаться в класс, чувствовала на себе косые взгляды детей, а ее авторитет среди учеников пошатнулся.'","relation":"supports","source_id":"s1"},{"locator":"'В суде педагог пояснила, что распространение такого контента нанесло урон ее авторитету, сформировало негативное общественное мнение.'","relation":"supports","source_id":"s2"}],"assertion":"The teacher told the court that afterwards she did not want to return to the classroom, felt the pupils' sideways looks and that her authority among the pupils had been damaged.","causal_attribution":"The teacher's account to the court, as relayed from the court's announcement."},{"id":"c3","status":"reported","evidence":[{"locator":"'Родители ученика иск не признали, однако не стали оспаривать, что их сын снял на телефон учителя и создал видео. При этом они отметили, что мальчик не сам придумал сюжет ролика, а лишь применил трендовый эффект.'","relation":"supports","source_id":"s1"},{"locator":"'Мать и отец школьника пытались оправдаться: утверждали, что сын использовал трендовый эффект и сам сюжет не придумывал.'","relation":"supports","source_id":"s3"}],"assertion":"The parents contested the claim, saying their son had only applied a trending effect and had not invented the plot and that the teacher disliked him; they did not dispute that he filmed her and created the video.","causal_attribution":"The parents' position as reported from the court's announcement."},{"id":"c4","status":"reported","evidence":[{"locator":"'Суд пришел к выводу, что истцу по вине семиклассника, распространившего сведения, порочащие ее честь, достоинство и деловую репутацию, причинены нравственные страдания.'; 'С матери и отца школьника суд взыскал компенсацию морального вреда в размере 10 тысяч рублей с каждого.'","relation":"supports","source_id":"s1"},{"locator":"'Суд обязал родителей семиклассника выплатить компенсацию морального вреда за видео с учителем, созданное их ребенком с помощью нейросети.'","relation":"supports","source_id":"s2"},{"locator":"'Суд пришел к выводу, что распространенное видео порочит честь, достоинство и деловую репутацию учительницы.'; 'Суд взыскал с каждого из родителей по 10 тысяч рублей компенсации морального вреда.'","relation":"supports","source_id":"s3"}],"assertion":"The court found that the seventh-grader's dissemination of the video harmed the teacher's honour, dignity and professional reputation and caused her moral suffering, and ordered each parent to pay her 10,000 roubles.","causal_attribution":"The court's ruling as announced by its press service; the judgment text was not read, so the claim is reported."}],"effects":[{"label":"shame and loss of authority after a generated video of her circulated in the class chat","claim_id":"c2","direction":"negative"}],"sources":[{"id":"s1","url":"https://mel.fm/novosti/5723968-v-yaroslavle-nakazali-roditeley-shkolnika-kotory-s-pomoshchyu-ii-sozdal-video-gde-uchitelnitsa-prevr","kind":"news_report","access":"read","language":"ru","translation_note":"Read in Russian by the research agent (an AI) on 2026-10-27 and translated by the research agent (an AI) into English; no human translator or reviewer was involved. Education news site reporting the court's announcement on its VK page, 16 March 2026; HTTP 200.","independence_group":"yaroslavl-court-press-service-mar-2026"},{"id":"s2","url":"https://mskvremya.ru/article/2026/2326-uchitel-nakazala-roditeley-shkolnika-za-video-yaroslavl-sud","kind":"news_report","access":"read","language":"ru","translation_note":"Read in Russian by the research agent (an AI) on 2026-10-27 and translated by the research agent (an AI) into English; no human translator or reviewer was involved. Moscow newspaper reporting the court press service's account, 25 March 2026; HTTP 200.","independence_group":"yaroslavl-court-press-service-mar-2026"},{"id":"s3","url":"https://altapress.ru/story/shkolnik-razdel-uchitelnitsu-neyrosetyu-i-vilozhil-v-chat-posledstviya-383263","kind":"news_report","access":"read","language":"ru","translation_note":"Read in Russian by the research agent (an AI) on 2026-10-27 and translated by the research agent (an AI) into English; no human translator or reviewer was involved. Regional news site relaying TASS, 17 March 2026; HTTP 200.","independence_group":"yaroslavl-court-press-service-mar-2026"}],"version":1,"ai_roles":["others_use"],"contexts":["education","work"],"unknowns":["The school, the court of first instance, the case number and the date of the judgment.","The app or tool used to generate the video.","Whether the ruling was appealed."],"geography":{"basis":"The reports place the filming in a lesson at a school in the city of Yaroslavl, Russia, where the teacher works; the case was decided by a Yaroslavl court.","court_countries":["RU"],"event_countries":["RU"],"affected_person_countries":["RU"]},"publication":{"basis":"Published as a core case (depicted_or_impersonated): a court's own announcement says a pupil generated a video of his teacher with a neural network and posted it in the class chat, and the court awarded her compensation for the resulting moral harm. The teacher and pupil are not named and the school is not identified.","reviewed_on":"2026-10-27"},"ai_involvement":{"basis":"The court's press service, reporting a ruling in the teacher's civil claim, says the pupil used a neural network to generate, from footage of the teacher, a video in which she turns into a bare-chested man; the parents did not dispute that he created the video and said he had applied a trending effect. The generated video depicting her is what circulated in the class chat and what the court found harmed her honour and reputation.","status":"supported"},"person_relations":["depicted_or_impersonated"]},"name":"Yaroslavl (Russia) court orders parents of pupil who used a neural network to turn his filmed teacher into a bare-chested man in a video to pay her damages","summary":"A court in Yaroslavl, Russia, ordered the parents of a seventh-grade pupil to pay a mathematics teacher 10,000 roubles each in compensation for moral harm, according to reports in March 2026 of the court's own announcement. The court's press service said that in February 2025 the boy filmed the teacher at work without her knowledge or consent, then used a neural network to generate a video from the footage in which she turns into a man with a bare athletic torso, and posted it in the class chat. The teacher told the court that afterwards she did not want to go back into the classroom, felt the pupils' sideways looks and that her authority had been damaged. The parents contested the claim, saying their son had only applied a trending effect and that the teacher disliked him; they did not dispute that he filmed her and made the video. The court found that the video harmed her honour, dignity and professional reputation.","incidentDate":"2025-02-01","incidentKind":"single_event","incidentDatePrecision":"month","exposurePattern":"single_interaction","reportedDate":"2026-03-16","aiSystem":"A neural-network video effect applied by a pupil to classroom footage of his teacher, generating a video in which she turns into a bare-chested man; the court's press service describes it as created with a neural network, and no tool or app is named","aiProduct":"Unidentified video tool","severity":"medium","verificationStatus":"credible","harmCategories":[],"harmOutcomes":["reputational_harm","psychological_distress","professional_harm"],"harmOutcomeSummary":"The teacher told the court the video damaged her authority and left her ashamed and reluctant to enter the classroom; the court found moral harm and awarded 20,000 roubles in total.","frameworkFacets":[],"causationStatus":"supported","participantUsersAffectedMin":0,"otherPeopleHarmedMin":1,"affectedCountStatus":"exact","affectedCountEvidence":"One person: the teacher depicted in the video, to whom the court awarded compensation.","victimAgeRange":"adult","jurisdiction":"RU","platformType":"other","outcomeType":"lawsuit_filed","outcomeStatus":"resolved","primarySourceUrl":"https://mel.fm/novosti/5723968-v-yaroslavle-nakazali-roditeley-shkolnika-kotory-s-pomoshchyu-ii-sozdal-video-gde-uchitelnitsa-prevr","primarySourceLabel":"Mel, 16 March 2026: Yaroslavl court punishes parents of a pupil who made an AI video turning a teacher into a half-naked man","firstPublishedAt":"2026-10-27T03:15:48.583916+00:00","updatedAt":"2026-10-27T03:15:48.583916+00:00","scopeVersion":"facts-v3","tags":["ai_generated_video","school","teacher","civil_damages","russia"]},{"id":"2025-sixth-circuit-removes-appointed-defence-lawyer-over-cocounsel-drafted-briefs-delaying-indigent-defendants-appeal","caseFacts":{"claims":[{"id":"c1","status":"documented","evidence":[{"locator":"'qualified for a two-level enhancement under § 3B1.1(c) of the Sentencing Guidelines for his leadership role during drug-trafficking activities.'; 'serving as court-appointed counsel for an indigent defendant through a publicly funded program'","relation":"supports","source_id":"s1"}],"assertion":"A lawyer appointed under the Criminal Justice Act represented an indigent defendant appealing a two-level leadership enhancement to his drug-trafficking sentence in the Sixth Circuit.","causal_attribution":"The court's own description of the appointment and the appeal."},{"id":"c2","status":"documented","evidence":[{"locator":"'The first tell was the file name of the principal brief:'; '“CoCounsel Skill Results.” CoCounsel is the name of Westlaw’s internal artificial-intelligence'; 'But the purported direct quotations do not appear in their cited sources.'","relation":"supports","source_id":"s1"},{"locator":"'The first tell was the file name of the principal brief: \"CoCounsel Skill Results.\" CoCounsel is the name of Westlaw's internal artificial-intelligence platform.'; 'But the purported direct quotations do not appear in their cited sources.'; 'misrepresent the holdings of both United States v. Washington'","relation":"supports","source_id":"s2"}],"assertion":"The court found that the principal brief's file name was 'CoCounsel Skill Results', that three quotations in the briefs appear in no legal authority, and that the briefs misrepresented the holdings of two precedents.","causal_attribution":"The court's findings, quoted verbatim in the Volokh post; the opinion PDF carries the same text."},{"id":"c3","status":"documented","evidence":[{"locator":"'he directed an unnamed “staff” member to'; 'upload district court documents to Westlaw’s CoCounsel program to create a first draft of the'; 'repeated that same process for the reply brief.'; 'He concedes that the three inaccurate quotations'","relation":"supports","source_id":"s1"},{"locator":"'he directed an unnamed \"staff\" member to upload district court documents to Westlaw's CoCounsel program to create a first draft of the principal brief.'; 'He concedes that the three inaccurate quotations identified above were the product of artificial intelligence, that they do not appear in any legal authorities'","relation":"supports","source_id":"s2"}],"assertion":"The lawyer admitted that a staff member uploaded district court documents to Westlaw's CoCounsel to create a first draft of the principal brief, that he repeated the process for the reply, and that the three inaccurate quotations were produced by artificial intelligence and not verified.","causal_attribution":"The lawyer's show-cause response as the court records it; the court's opinion documents the admission."},{"id":"c4","status":"documented","evidence":[{"locator":"'shall not be compensated under the Criminal Justice Act for his time spent on'; 'to consider disciplinary proceedings under Sixth'; 'Disciplinary Clerk for the Kentucky Bar Association'","relation":"supports","source_id":"s1"}],"assertion":"The court ordered that the lawyer receive no Criminal Justice Act compensation for the appeal, forwarded the opinion to the circuit's chief judge to consider disciplinary proceedings, and served it on the Kentucky Bar Association's disciplinary clerk.","causal_attribution":"The court's orders."},{"id":"c5","status":"documented","evidence":[{"locator":"'different appellate counsel to file new briefs—further delaying resolution of'; 'reset the briefing schedule upon appointment of replacement counsel.'","relation":"supports","source_id":"s1"}],"assertion":"By a separate order the same day the court removed the lawyer, directed the appointment of replacement counsel, locked the briefs he had filed and reset the briefing schedule, which the court said further delayed resolution of the defendant's criminal appeal.","causal_attribution":"The court's own account of its separate order and of the delay."},{"id":"c6","status":"documented","evidence":[{"locator":"'utilizing Westlaw CoCounsel “in this way for a Court of Appeals brief.”'; 'has never been disciplined over his 40-year career'; 'candor in acknowledging his improper use of artificial intelligence.'","relation":"supports","source_id":"s1"},{"locator":"'first time utilizing Westlaw CoCounsel \"in this way for a Court of Appeals brief.\"'; 'has never been disciplined over his 40-year career'; 'his candor in acknowledging his improper use of artificial intelligence.'","relation":"supports","source_id":"s2"}],"assertion":"The lawyer said this was his first use of CoCounsel in this way for an appeals brief and that he had not been disciplined in a 40-year career; the court acknowledged his timely response and candour while finding his conduct inexcusable.","causal_attribution":"The lawyer's explanations and the court's assessment, as the opinion records them; recorded as mitigation."},{"id":"c7","status":"documented","evidence":[{"locator":"'***LOCKED PURSUANT TO ORDER ENTERED 04/03/2026***APPELLANT BRIEF filed by'; 'Certificate of Service: 10/21/2025. Argument Request: not requested. [25-5623]'; '***LOCKED PURSUANT TO ORDER ENTERED 04/03/2026***REPLY BRIEF filed by Attorney'; 'Certificate of Service: 12/26/2025. [25-5623]'","relation":"supports","source_id":"s3"}],"assertion":"The docket records that the principal brief for the defendant was filed on 21 October 2025 and the reply brief on 26 December 2025, and that both entries were locked under the order of 3 April 2026.","causal_attribution":"Clerk docket entries; they date the filings and do not describe their contents."}],"effects":[{"label":"indigent defendant's criminal appeal delayed while replacement counsel files new briefs","claim_id":"c5","direction":"negative"},{"label":"court-appointed lawyer denied compensation for the appeal and referred for disciplinary consideration","claim_id":"c4","direction":"negative"}],"sources":[{"id":"s1","url":"https://www.opn.ca6.uscourts.gov/opinions.pdf/26a0105p-06.pdf","kind":"court_order","access":"read","language":"en","translation_note":"Sixth Circuit published per curiam opinion, No. 25-5623, decided and filed 3 April 2026; PDF read in full (HTTP 200).","independence_group":"sixth-circuit-opinion-3-apr-2026"},{"id":"s2","url":"https://reason.com/volokh/2026/04/09/the-first-tell-was-the-file-name-of-the-principal-brief-cocounsel-skill-results/","kind":"commentary_with_filing_excerpt","access":"read","language":"en","translation_note":"The Volokh Conspiracy (Reason), 9 April 2026, quoting the same opinion at length; read in full (HTTP 200). Same origin as the opinion.","independence_group":"sixth-circuit-opinion-3-apr-2026"},{"id":"s3","url":"https://www.courtlistener.com/api/rest/v4/search/?q=docket_id%3A70724463%20BRIEF&type=rd","kind":"court_docket_index","access":"read","language":"en","translation_note":"CourtListener search API listing of docket entries for Sixth Circuit No. 25-5623 (RECAP), read on 2026-10-19 (HTTP 200); entry descriptions as entered by the clerk. Party and counsel names in the entries are not reproduced.","independence_group":"sixth-circuit-docket-25-5623"}],"version":1,"ai_roles":["own_use","others_use"],"contexts":["justice","work"],"unknowns":["How long the appeal is delayed, and the outcome of any disciplinary proceedings."],"geography":{"basis":"The appeal is from the U.S. District Court for the Eastern District of Kentucky to the U.S. Court of Appeals for the Sixth Circuit, and the lawyer practises in Kentucky (opinion).","court_countries":["US"],"event_countries":["US"],"affected_person_countries":["US"]},"publication":{"basis":"Published with communicated_with and informed_decision_about: the court documents that a court-appointed defence lawyer filed briefs drafted with Westlaw's CoCounsel that carried quotations found in no authority, and, acting on those briefs, removed him, ordered new counsel and briefing that delayed the indigent defendant's criminal appeal, and denied him compensation. The harm reaches a criminal defendant who did not use the tool.","reviewed_on":"2026-10-19"},"ai_involvement":{"basis":"The court found that the principal brief's file name was 'CoCounsel Skill Results' and that three quotations in the briefs appear in no legal authority. The lawyer admitted that a staff member used Westlaw's CoCounsel to produce the first draft, that he repeated the process for the reply, and that the false quotations were produced by artificial intelligence. Reading those briefs, the court removed him, ordered new counsel and new briefs for the defendant, and denied him compensation.","status":"supported"},"person_relations":["communicated_with","informed_decision_about"]},"name":"Sixth Circuit removes court-appointed defence lawyer over CoCounsel-drafted briefs with false quotations, delaying an indigent defendant's appeal","summary":"In a published opinion of 3 April 2026, the U.S. Court of Appeals for the Sixth Circuit addressed the briefs a lawyer appointed under the Criminal Justice Act had filed for an indigent defendant appealing a sentencing enhancement in a drug-trafficking case. The court noticed that the principal brief's file name was 'CoCounsel Skill Results' and found three quotations that appear in no legal authority and misstatements of two precedents. The lawyer admitted that a staff member had used Westlaw's CoCounsel to create the first draft, that he repeated the process for the reply, and that the false quotations came from artificial intelligence he did not verify. The court denied him compensation for the appeal, referred the opinion for possible disciplinary proceedings and to the Kentucky Bar Association, and by separate order removed him, locked his briefs and ordered replacement counsel to file new ones, which it said further delayed resolution of the defendant's appeal. The court acknowledged his candour and his 40 years without discipline.","incidentDate":"2025-10-21","incidentEndDate":"2026-04-03","incidentKind":"single_event","incidentDatePrecision":"day","exposurePattern":"repeated_interactions","reportedDate":"2026-04-03","aiSystem":"Westlaw CoCounsel (Thomson Reuters), used by a lawyer's staff member to produce the first drafts of a principal and a reply brief","aiProduct":"CoCounsel","aiCompany":"Thomson Reuters","severity":"medium","verificationStatus":"credible","harmCategories":[],"harmOutcomes":["legal_harm","professional_harm","financial_loss"],"harmOutcomeSummary":"The court documents that briefs drafted with Westlaw's CoCounsel and filed unverified by a court-appointed lawyer led it to remove him and order new counsel and briefs, further delaying an indigent defendant's criminal appeal; the lawyer was denied compensation for the appeal and referred for disciplinary consideration.","frameworkFacets":[],"causationStatus":"established","participantUsersAffectedMin":0,"otherPeopleHarmedMin":2,"affectedCountStatus":"exact","affectedCountEvidence":"Two: the defendant, whose appeal the court says was further delayed, and the lawyer, who was denied compensation and referred. The lawyer's staff member ran the tool and is not counted; no other harmed person is described.","victimAgeRange":"adult","jurisdiction":"US","platformType":"other","outcomeType":"regulatory_action","outcomeStatus":"ongoing","primarySourceUrl":"https://www.opn.ca6.uscourts.gov/opinions.pdf/26a0105p-06.pdf","primarySourceLabel":"U.S. Court of Appeals for the Sixth Circuit, No. 25-5623, opinion decided and filed 3 April 2026","firstPublishedAt":"2026-10-19T03:16:56.688661+00:00","updatedAt":"2026-10-19T03:16:56.688661+00:00","scopeVersion":"facts-v3","tags":["legal","ai-fabricated-quotations","court-appointed-counsel","criminal-appeal","sanction","cocounsel"]},{"id":"2025-revolut-chatbot-said-loyalty-points-worth-1119-pounds-ombudsman-raised-compensation","caseFacts":{"claims":[{"id":"c1","status":"documented","evidence":[{"locator":"'In September 2025 Mr M got in touch with'; 'Revolut through its chatbot.'; 'It said it would refund £22.38 to his account'; 'and deduct the 1,119 loyalty points he’d earned using that feature.'; 'he was told then that 1,119 points equated to £22.38'","relation":"supports","source_id":"s1"}],"assertion":"In September 2025 the customer contacted Revolut through its chatbot to ask for a refund of loyalty points earned through its spare change feature; Revolut said it would refund £22.38 and deduct the 1,119 points, which Revolut later described as the chatbot telling him the points equated to £22.38.","causal_attribution":"Facts set out in the ombudsman's decision."},{"id":"c2","status":"documented","evidence":[{"locator":"'The chatbot confirmed it could refund 1,119 points as a one-time goodwill gesture.'; 'It said this had a cash value of £1,119.'; 'chatbot confirmed it had done that.'","relation":"supports","source_id":"s1"}],"assertion":"Four days later the chatbot confirmed it could refund the 1,119 points as a one-time goodwill gesture, said they had a cash value of £1,119, and confirmed it had processed the refund.","causal_attribution":"Facts set out in the ombudsman's decision; the chatbot's own statements."},{"id":"c3","status":"documented","evidence":[{"locator":"'A few hours later the chatbot said the'; 'information it had given was incorrect and the refund of £1,119 wasn’t being processed.'; 'Mr M then asked to speak to a ‘live agent’ who confirmed that the refund of £1,119 was'; 'It said it had'; 'issued a refund for £22.38.'","relation":"supports","source_id":"s1"}],"assertion":"Later that day the chatbot said its information was incorrect and the £1,119 refund was not being processed; a live agent then said it was being processed; the next day the chatbot said it had issued £22.38.","causal_attribution":"Facts set out in the ombudsman's decision."},{"id":"c4","status":"documented","evidence":[{"locator":"'There’s no doubt Revolut gave Mr M the wrong information.'; 'Revolut misled Mr M'; 'not once but on several occasions over the course of that day.'; 'Mr M was never entitled to £1,119'","relation":"supports","source_id":"s1"}],"assertion":"The ombudsman found there was no doubt Revolut gave the customer wrong information, repeated later the same day, and that it misled him on several occasions over that day; the ombudsman held he was never entitled to £1,119.","causal_attribution":"The ombudsman's findings."},{"id":"c5","status":"reported","evidence":[{"locator":"'He says the financial pressure of'; 'losing the expected refund was substantial and destabilising.'; 'He also gave us a letter from his GP that'; 'confirmed his heightened anxiety, insomnia, headaches, and persistent overthinking.'","relation":"supports","source_id":"s1"}],"assertion":"The customer told the ombudsman the financial pressure of losing the expected refund was substantial and destabilising, and provided a GP letter that, according to the decision, confirmed heightened anxiety, insomnia, headaches and persistent overthinking.","causal_attribution":"The customer's account and his GP's letter as summarised by the ombudsman; the ombudsman also noted he was likely aware the higher figure was wrong."},{"id":"c6","status":"documented","evidence":[{"locator":"'I uphold this complaint and direct Revolut Ltd to pay Mr M a further £50 on top of the £50 it’s'; 'already paid him'","relation":"supports","source_id":"s1"}],"assertion":"Revolut had paid £50; the ombudsman upheld the complaint and directed Revolut to pay a further £50.","causal_attribution":"The ombudsman's final decision."}],"effects":[{"label":"told by the chatbot that his points were worth £1,119 and the refund was processed, then reversed; described financial pressure and anxiety","claim_id":"c5","direction":"negative"}],"sources":[{"id":"s1","url":"https://www.financial-ombudsman.org.uk/decision/DRN-6062372.pdf","kind":"ombudsman_decision","access":"read","language":"en","translation_note":"Read in English on 2026-10-15 from the Financial Ombudsman Service PDF (full text, two pages). The decision names neither the customer (Mr M) nor the date it was issued; it asks for acceptance before 5 February 2026.","independence_group":"financial-ombudsman-service-drn-6062372"}],"version":1,"ai_roles":["institutional_use"],"contexts":["finance","everyday_life"],"unknowns":["The date the decision was issued (the text gives only the 5 February 2026 acceptance deadline).","Whether the customer accepted the decision.","The chatbot's technology and the chat transcript.","Where the customer lives."],"geography":{"basis":"The decision is by the Financial Ombudsman Service and amounts are in pounds, but it does not say where the customer lives or where the exchanges took place; no country is recorded from the ombudsman's remit or the currency.","court_countries":[],"event_countries":[],"affected_person_countries":[]},"publication":{"basis":"Published as a concrete adverse experience with a bank's chatbot: an ombudsman's final decision records the chatbot's statements that the customer's points were worth £1,119 and the refund was processed, finds that Revolut misled him on several occasions that day, and raises his compensation for the impact.","reviewed_on":"2026-10-15"},"ai_involvement":{"basis":"The Financial Ombudsman Service's decision sets out what Revolut's chatbot told the customer: that 1,119 loyalty points had a cash value of £1,119, that it could refund them as a goodwill gesture and had processed the refund, and hours later that this was incorrect. A human live agent then also confirmed the £1,119 refund. The ombudsman found Revolut gave him wrong information on several occasions that day and awarded compensation for the impact. The decision calls the system a chatbot and does not describe its technology.","status":"supported"},"person_relations":["communicated_with"]},"name":"Ombudsman finds Revolut misled a customer after its chatbot said his loyalty points were worth £1,119 and confirmed a refund; compensation raised to £100","summary":"In September 2025 a Revolut customer asked the bank, through its chatbot, to cash in loyalty points he had earned through its spare change feature. According to the Financial Ombudsman Service's final decision (DRN-6062372), the chatbot first said the 1,119 points would be refunded as £22.38; four days later it told him the 1,119 points had a cash value of £1,119, offered that as a one-time goodwill gesture and confirmed it had processed the refund. A few hours later the chatbot said that information was wrong; a live agent then said the £1,119 refund was being processed, and the next day the chatbot said it had issued £22.38. Revolut upheld his complaint and paid £50. The ombudsman found that Revolut gave him the wrong information on several occasions that day, held that he was never entitled to £1,119, and directed Revolut to pay a further £50. The customer said the lost expected refund caused financial pressure, and gave a GP letter describing anxiety and insomnia.","incidentDate":"2025-09-01","incidentKind":"single_event","incidentDatePrecision":"month","exposurePattern":"repeated_interactions","aiSystem":"Revolut's customer chatbot, which answered a customer's requests to cash in loyalty points and stated the refund value and whether it had been processed","aiProduct":"Revolut chatbot","severity":"low","verificationStatus":"credible","harmCategories":[],"harmOutcomes":["psychological_distress"],"harmOutcomeSummary":"According to the Financial Ombudsman Service, Revolut's chatbot told a customer his loyalty points were worth £1,119 and confirmed the refund, then reversed itself; the customer described substantial financial pressure and anxiety, and the ombudsman raised his compensation to £100.","frameworkFacets":[],"causationStatus":"supported","participantUsersAffectedMin":1,"otherPeopleHarmedMin":0,"affectedCountStatus":"exact","affectedCountEvidence":"One person: the customer whose complaint the Financial Ombudsman Service decided (Mr M in decision DRN-6062372). Exact 1.","victimAgeRange":"adult","jurisdiction":"unknown","platformType":"chatbot","outcomeType":"regulatory_action","outcomeStatus":"resolved","primarySourceUrl":"https://www.financial-ombudsman.org.uk/decision/DRN-6062372.pdf","primarySourceLabel":"Financial Ombudsman Service final decision DRN-6062372 (Revolut Ltd), acceptance deadline 5 February 2026","firstPublishedAt":"2026-10-15T03:09:28.982046+00:00","updatedAt":"2026-10-15T03:09:28.982046+00:00","scopeVersion":"facts-v3","tags":["customer-service-chatbot","banking","wrong-refund-information","ombudsman-decision","loyalty-points"]},{"id":"2025-millar-chatgpt-psychosis","caseFacts":{"claims":[{"id":"c1","status":"reported","evidence":[{"locator":"'the 53-year-old former prison officer in Sudbury, Ont., told AFP.'; 'Millar first started using ChatGPT in 2024 to write letters for a compensation case related to post-traumatic stress disorder he suffered from working in a prison.'","relation":"supports","source_id":"s1"},{"locator":"'the 53-year-old former prison officer in the Canadian city of Sudbury told AFP.'","relation":"supports","source_id":"s2"},{"locator":"'the 53-year-old former prison officer in Sudbury, Ont., said.'","relation":"supports","source_id":"s3"}],"assertion":"AFP reports that Tom Millar is a 53-year-old former prison officer in Sudbury, Ontario, who first used ChatGPT in 2024 to write letters for a compensation case concerning post-traumatic stress disorder from his prison work.","causal_attribution":"Background from his interview with AFP; not a causal claim."},{"id":"c2","status":"reported","evidence":[{"locator":"'One day in April 2025 he asked the chatbot about the speed of light.'; 'He said it replied, “Nobody’s ever thought of things this way.”'; 'With the chatbot’s help and praise, within weeks he had submitted dozens of scientific papers to prestigious academic journals'","relation":"supports","source_id":"s1"},{"locator":"'He said it replied, \"Nobody's ever thought of things this way.\"'","relation":"supports","source_id":"s2"}],"assertion":"He says that in April 2025, when he asked ChatGPT about the speed of light, it replied that nobody had ever thought of things this way, and AFP reports that with the chatbot's help and praise he submitted dozens of scientific papers to academic journals within weeks.","causal_attribution":"His account of the chatbot's reply, relayed by AFP; no transcript was reported as inspected."},{"id":"c3","status":"reported","evidence":[{"locator":"'To write his application to replace the recently deceased Pope Francis last year, Millar turned to the same companion that had aided and encouraged his dizzying burst of invention: ChatGPT.'","relation":"supports","source_id":"s1"}],"assertion":"AFP reports that he used ChatGPT to write an application to replace Pope Francis after the pope's death in 2025.","causal_attribution":"His account, relayed by AFP."},{"id":"c4","status":"reported","evidence":[{"locator":"'Millar became increasingly isolated, spending up to 16 hours a day talking to the artificial intelligence chatbot.'; 'he spent his savings on things like a $10,000 telescope.'","relation":"supports","source_id":"s1"},{"locator":"'Millar became increasingly isolated, spending up to 16 hours a day talking to the artificial intelligence chatbot.'","relation":"supports","source_id":"s3"}],"assertion":"AFP reports that when no one wanted to hear about his supposed breakthroughs he became increasingly isolated and spent up to 16 hours a day talking to ChatGPT, and that he spent his savings on items such as a $10,000 telescope.","causal_attribution":"His account, relayed by AFP; AFP does not attribute the isolation to anything the chatbot said."},{"id":"c5","status":"reported","evidence":[{"locator":"'He was twice involuntarily admitted to a hospital’s psychiatric ward before his wife left him in September.'; 'Now broke, estranged from his family and friends and disabused of notions of scientific genius, Millar suffers from depression.'","relation":"supports","source_id":"s1"},{"locator":"'He was twice involuntarily admitted to a hospital's psychiatric ward before his wife left him in September.'","relation":"supports","source_id":"s2"},{"locator":"'He was twice involuntarily admitted to a hospital’s psychiatric ward before his wife left him in September.'","relation":"supports","source_id":"s3"}],"assertion":"AFP reports that he was twice involuntarily admitted to a hospital psychiatric ward before his wife left him in September, and that he is now broke, estranged from his family and friends and suffers from depression.","causal_attribution":"AFP's account from his interview; AFP does not state who assessed him or the dates of the admissions."},{"id":"c6","status":"reported","evidence":[{"locator":"'“It basically ruined my life,” he said.'; 'But somehow I got brainwashed by a robot'; 'This is not a clinical diagnosis.'; '“What I went through was psychotic,” he said.'","relation":"supports","source_id":"s1"},{"locator":"'“It basically ruined my life,” he said.'","relation":"supports","source_id":"s3"}],"assertion":"He attributes what happened to the chatbot, saying it basically ruined his life and that he was brainwashed by a robot, and describes his experience as psychotic; AFP notes that AI-induced delusion or psychosis is not a clinical diagnosis.","causal_attribution":"His own causal attribution; no clinician's assessment of his case is reported."},{"id":"c7","status":"reported","evidence":[{"locator":"'OpenAI told AFP that “safety is a core priority” and it had consulted with more than 170 mental health experts.'; 'Millar, mid-spiral at the time, found a way to revert his version to GPT-4.'; 'It pointed to internal data which showed the release of GPT-5 in August reduced the rate of its chatbot’s responses that fell short of “desired behaviour” for mental health by 65 to 80 per cent.'","relation":"supports","source_id":"s1"},{"locator":"'Millar, mid-spiral at the time, found a way to revert his version to GPT-4.'","relation":"supports","source_id":"s2"}],"assertion":"AFP reports that after OpenAI released GPT-5 in August 2025, which OpenAI says reduced responses falling short of desired behaviour for mental health, Millar, mid-spiral at the time, found a way to revert to GPT-4; OpenAI told AFP that safety is a core priority.","causal_attribution":"OpenAI's general statement to AFP does not address his conversations."}],"effects":[{"label":"chatbot praise of grandiose scientific ideas, as he describes it","claim_id":"c2","direction":"negative"},{"label":"isolation and up to 16 hours a day with the chatbot, and savings spent","claim_id":"c4","direction":"negative"},{"label":"two involuntary psychiatric admissions, separation, estrangement and depression, as reported","claim_id":"c5","direction":"negative"}],"sources":[{"id":"s1","url":"https://www.cp24.com/news/world/2026/05/13/i-applied-to-be-pope-canadian-describes-losing-grip-on-reality-while-using-chatgpt/","kind":"news_report","access":"read","language":"en-CA","translation_note":"Read in English on 2026-10-17 (live page, HTTP 200; CP24, 13 May 2026, by Daniel Lawler, AFP; saved as bodies/lr-millar-cp24.html). The full AFP feature, which also covers other people; only the passages about Millar are relied on.","independence_group":"afp-millar-feature"},{"id":"s2","url":"https://techxplore.com/news/2026-05-pope-reality-chatgpt.html","kind":"news_report","access":"read","language":"en","translation_note":"Live page returned HTTP 403 on 2026-10-17; read in English from the Internet Archive capture of this URL (bodies/lr-millar-techxplore-wb.html). The same AFP feature ('by AFP'); not independent of CP24.","independence_group":"afp-millar-feature"},{"id":"s3","url":"https://www.canadianaffairs.news/2026/05/14/i-applied-to-be-pope-losing-grip-on-reality-while-using-chatgpt/","kind":"news_report","access":"read","language":"en-CA","translation_note":"Live page returned HTTP 429 on 2026-10-17; read in English from the Internet Archive capture of this URL (bodies/lr-millar-canaff-wb.html). The same AFP feature, credited to Agence France Presse in the page's author metadata; not independent of CP24.","independence_group":"afp-millar-feature"}],"version":1,"ai_roles":["own_use"],"contexts":["health","relationships","finance"],"unknowns":["Where his ChatGPT use and the two psychiatric admissions took place, and the dates of the admissions.","Which year his wife left him; AFP says only 'in September' in a May 2026 article.","Whether any clinician has assessed the role of ChatGPT; AFP reports no diagnosis for him and notes that AI-induced delusion is not a clinical diagnosis.","The wording of his conversations beyond the one reply he quotes; AFP saw his book but does not report inspecting his chat transcripts."],"geography":{"basis":"AFP describes him as a former prison officer 'in Sudbury, Ont.', which supports CA as the affected person's reported location. No body says where he used ChatGPT or where he was admitted to hospital, so the event country stays unknown; a home city is not used as the event location. No court or legal proceeding is reported. This carries forward the 2026-09-27 metadata review.","court_countries":[],"event_countries":[],"affected_person_countries":["CA"]},"publication":{"basis":"Published as a core case (communicated_with). He told AFP what ChatGPT replied and how its help and praise fed his scientific and papal ambitions, and connects that to two involuntary psychiatric admissions, financial loss and his wife leaving him. The account is his own, relayed by one AFP feature; the causal role is his attribution. He gave the account under his own name.","reviewed_on":"2026-10-17"},"ai_involvement":{"basis":"Millar told AFP that when he asked ChatGPT about the speed of light in April 2025 it replied 'Nobody's ever thought of things this way', and AFP reports that with the chatbot's help and praise he submitted dozens of scientific papers within weeks and used it to write an application to become pope. He connects these exchanges to the months that ended in two involuntary psychiatric admissions, the loss of his savings and his separation, saying he was 'brainwashed by a robot'. The replies are his account; AFP does not report inspecting his transcripts, and the causal role is his attribution.","status":"reported"},"person_relations":["communicated_with"]},"name":"Canadian man tells AFP that ChatGPT's praise fed grandiose scientific beliefs before two involuntary psychiatric admissions","summary":"Tom Millar, a 53-year-old former prison officer in Sudbury, Ontario, told AFP in May 2026 that he began using ChatGPT in 2024 for letters in a compensation case and that in April 2025, when he asked it about the speed of light, it replied 'Nobody's ever thought of things this way.' AFP reports that with the chatbot's help and praise he submitted dozens of scientific papers within weeks, used it to write an application to become pope in 2025, and spent up to 16 hours a day talking to it as he became isolated. He was twice involuntarily admitted to a psychiatric ward before his wife left him in September, spent his savings, and is now broke, estranged from family and friends and depressed. He says he was 'brainwashed by a robot'. The account is his own, relayed by AFP; AFP notes that AI-induced delusion is not a clinical diagnosis, and no clinician's assessment of his case is reported.","incidentDate":"2025-04-01","incidentKind":"single_event","incidentDatePrecision":"month","exposurePattern":"repeated_interactions","reportedDate":"2026-05-13","aiSystem":"ChatGPT","aiProduct":"ChatGPT","aiCompany":"OpenAI","severity":"high","verificationStatus":"credible","harmCategories":["delusion_reinforcement","dependency_creation"],"harmOutcomes":["hospitalization","psychiatric_deterioration","financial_loss","relationship_disruption","social_isolation"],"harmOutcomeSummary":"He told AFP that he was twice involuntarily admitted to a psychiatric ward, spent his savings, became isolated while spending up to 16 hours a day with ChatGPT, and that his wife left him; he is now broke, estranged from family and friends and depressed. He attributes this to ChatGPT's praise of his ideas; no clinician's assessment is reported.","frameworkFacets":[],"pathwayDirection":"inward","causationStatus":"alleged","participantUsersAffectedMin":1,"otherPeopleHarmedMin":0,"affectedCountStatus":"exact","affectedCountEvidence":"AFP describes one person, the interviewee. His wife and family are mentioned, but no harm to them is described, so they are not counted.","victimAgeRange":"adult","jurisdiction":"CA-ON","platformType":"assistant","outcomeType":"media_coverage","outcomeStatus":"ongoing","primarySourceUrl":"https://www.cp24.com/news/world/2026/05/13/i-applied-to-be-pope-canadian-describes-losing-grip-on-reality-while-using-chatgpt/","primarySourceLabel":"AFP via CP24, 13 May 2026: 'I applied to be pope': Canadian describes losing grip on reality while using ChatGPT","firstPublishedAt":"2026-07-01T11:30:11.367607+00:00","updatedAt":"2026-10-17T02:59:23.686754+00:00","scopeVersion":"facts-v3","tags":["chatgpt","openai","delusion","hospitalization","financial-harm","canada","adult"]}]}