We got a loan modification from XXXX XXXX in XXXX in which they made a bank error and did not credit us with a returned check which we made good and they capitalized our loan {$12000.00} in excess. When XXXX took over the loan, they did not give us credit for XXXX payments we made in XXXX totalling {$6200.00} From XXXX, XXXX to XXXX, XXXX, when we received a modification from XXXX, XXXX payments were not credited to our account totalling {$18000.00}. From XXXX, XXXX to XXXX, XXXX we have found that {$33000.00} was capitalized into our mortgage account for escrow charges for taxes and insurance. We paid the home owner 's policy from XXXX to XXXX, XXXX when XXXX put the insurance and taxes into an impound account. However during the time we were paying the home owner 's policy, XXXX charged our escrow account {$7400.00} for home owner 's insurance which we ourselves paid. We have a letter from the insurance company substantiating our claim. 
According to our records, {$9800.00} was capitalized to my mortgage account for taxes and insurance which represents an excessive charge to my mortgage account. Also according to our records, {$23000.00} was charged to my mortgage account for accrued interest and late charges from XXXX, XXXX to XXXX, XXXX. This represents an excessive charge to my mortgage account. We have submitted documents to XXXX and now SPS Loan Servicing who is the present loan servicer on the account verfiying all payments we have made on the account from XXXX to XXXX, thus confirming our claim that many bank errors were made on our account and that XXXX owes us approximately {$100000.00} on our account plus applicable interest from XXXX when XXXX bought the loan servicing rights on the loan to the time when XXXX gave us a loan modification in XXXX, XXXX. 
