For those who have done so, have there been accusations of mortgage fraud? 

This is a great lesson in giving people the benefit of the doubt before stressing out.I did NOT accuse my tenant of the vandalism, thankfully.

After a couple days, his niece called me back accusing me of taking advantage of her old uncle and this and that.

Lots of accusations and derogatory allegations.  

I'd like to tell you about myself or why I chose to join Bigger Pockets but apparently I can't do so without being accused of unpaid advertising. 

This denial letter should reference a credit reporting company where they can get a free copy of their report and it should tell them their score, etc and where you pulled the report if credit was a factor in the denial.I know what it feels like to be accused of a Fair Housing violation because it has happened to me and I didn't fret over it because I knew I had done nothing wrong but it did take over a year to clear my name.

Just don't accuse them of anything unless there is proof and even then don't do it in person, just write them up.

Nancy Neville You're speculating every bit as much as you are accusing everyone else of doing.Soldiers don't get months of leave.  

, but then relax when they understand that I'm not actually accusing them of anything in advance, lol!

Accusing a contractor of overcharging, without firm facts and figures, is tantamount to accusing him of stealing and that never goes over well.