Loan discrepancy. I think i overpaid into my property!

[Daryl Allen]

Ok to start things off .

Im buying my raw land for $30k. Paid $15k upfront to initiate the contract.  Heres where it gets fun.  Its at a 7% amortized interest rate.  Signed on april 2022.  Ive been making monthly payments of $265 at the least.  My required payments were $235.  However for the first 5 months i was able to pay via zelle with no fees.  Then i get asked to switch to terra notes and have been paying through them since sept 2022.  I noticed after about 1 year of app paying they never applied my zelle payments.   So i ask for them to update it so it reflects correctly. They never did.  So i continue to pay via requested app to today still.  Well the other day i noticed still no update,  and the extra i have been paying towards principal has been being taken as a service fee.  So i compiled a list of these service fees and some taps a $60.75 mark.   Well.  All the service fees add up to $1318.76 that wasnt ever applied to my principal.   So that leaves the $1300 from zelle payments and the $1318.76 from fees that should have went to my principal.   Ran it through the usual Google machine and a paid chat gpt and both said i should already be paid off and entitled a refund .   Can a Human please help me?   I am living off of 366 a week of unemployment for the time being so i cant afford a lawyer