{"schema_version":1,"workflow_version":1,"slug":"mortgage-servicing-error-packet","name":"Mortgage Payment & Escrow Error Packet","description":"Create a signed mortgage servicing Notice of Error, optionally add a Request for Information and supporting records, review the finished PDF, and mail it to your servicer by Certified Mail.","agent_summary":"Prepare a borrower-authored mortgage servicing Notice of Error under the narrow CFPB consumer-guidance lane, with an optional Request for Information and supporting PDF/image copies. Require a closed-end residential mortgage, post-closing servicing issue, borrower or co-borrower, current servicer-designated Notice of Error or information-request address, no enclosed payment, and no active foreclosure sale, bankruptcy, litigation, origination, underwriting, or loss-mitigation matter. Do not determine Regulation X coverage, calculate legal deadlines, promise a response, or treat tracking as proof of legal sufficiency.","form_summary":"Use this workflow for a payment, escrow, fee, payoff, insurance, statement, or servicing-transfer problem on your own closed-end residential mortgage. PostalForm generates the signed notice, appends your supporting copies, and mails the packet to the servicer address you confirm.","data_collected":["Borrower identity, return address, property address, contact details, and mortgage account number","Mortgage servicer, designated Notice of Error or Request for Information department, and confirmed mailing address","Servicing issue category, factual chronology, disputed amount when known, requested correction, and optional information request","Optional copies of statements, payment records, escrow records, insurance records, fees, payoff records, and servicer correspondence","Typed or drawn borrower signature and scope confirmations"],"topics":["mortgages","mortgage servicing","escrow","payments","RESPA","consumer finance","certified mail"],"category":"mortgage_servicing_error_packet","publish_state":"published","aliases":["mortgage-notice-of-error","mortgage-request-for-information","respa-notice-of-error"],"llms":true,"indexable":true,"certified_mail":"required","recipient":{"mode":"user"},"compliance_policy":{"id":"mortgage_servicing_error_packet","version":1,"recheckStages":["preview","approval","checkout","payment","fulfillment","machine"]},"checkout_flow":"forms_order","published_at":"2026-07-25","updated_at":"2026-07-25","groups":[{"id":"scope","label":"Supported mortgage-servicing scope","description":"Confirm this is your own closed-end mortgage and a post-closing servicing issue. 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Keep originals and avoid unrelated sensitive information.","depends_on":[]},{"id":"review","label":"Sign and review","description":"Sign the notice and confirm the facts, destination, and product limits before preview.","depends_on":[]}],"fields":[{"id":"relationship_to_loan","label":"Your relationship to the mortgage","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Borrower or co-borrower","Authorized representative","Successor, heir, or estate representative","Another relationship or unsure"],"compound":null},{"id":"loan_type","label":"Mortgage type","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Closed-end residential mortgage","Home equity line of credit (HELOC)","Reverse mortgage","Another loan type or unsure"],"compound":null},{"id":"request_scope","label":"What part of 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