Five years later, the likelihood is so small that it could be characterized as a rounding error.

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While a small number of borrowers nationwide have been foreclosed upon in error, the vast majority of paperwork errors occur in cases where the borrower has defaulted and essentially abandoned any claim to the property.

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One small error, such as listing the name of a former employer after the years worked there, instead of before, can ruin a great candidate's chances.

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But in all these scenarios, it seems as if there is an extremely small system that intends to learn a large amount, by trial and error.

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