<human>: I was noodling over some of the less than savory people and companies that I've encountered over the years and was at a loss at how to deal with them in the future.

**Here's the "hypothetical" situation:**

I know of a person who had been talking about making a purchase, but she didn't have enough money to pay for it. She rents a house and sublets the rooms in the house, which puts means that she fronted the money for the deposit and then has her roommates give her money for their portion when they move in. Since she couldn't afford her purchase on her own and decided that her immediate needs were more important than being a good person, she decided to use the money her roommates gave her for their deposit to pay for her purchase.

She used her roommates' safety deposit as a small loan to pay for something that she couldn't afford.

This, to me, seems super illegal. Especially since she'll be moving in the next few months and it doesn't seem like she will have the money to return these deposits to her roommates.

If you're an outside observer seeing these things happen, is there a way to report it? Is there a way to hold people accountable before shit hits the fan?

On a larger scale, my SO works across the hall from what appears to be a pyramid scheme, of the investment fraud variety. What about them? Is there any way to play vigilante there? Can you just go to the cops and be like, "there's a pyramid scheme going on in my office building. Please bring them to justice."

I don't think I would ever feel so compelled to play vigilante, but it was an interesting thought experiment and continues to baffle me.

Condense the text into a few key points
<bot>: In situations where an individual (or even a company) are engaging in fraudulent activities, is there a way to turn them in so that they are held accountable (through fines, serving time, etc.)?