if you removed the excess contribution for 2020 after 4/15/2021 you owe a 6% penalty for 2020. after 4/18/2022 you owe another 6% penalty for 2020
if you withdrew the excess contribution for 2021 after 4/15/2022 you owe a 6% penalty for 2021
if you use TurboTax it should properly computer the penalties for each year - see from 5329
if you have already filed for 2020 and 2021 you need to amend the to report the excess contributions not timely removed. the IRS is notified by the Trustee of the contributions and it will check the amounts contributed to the amounts allowed.
the loss on the withdrawal will reduce the penalty
