Managing the loan or lease: Vehicle loan or lease

I requested full validation of the alleged debt, including a complete and itemized accounting of the loan balance from inception to present. This includes all payments received, interest charges, late fees, repossession-related charges, insurance/GAP proceeds, and any ancillary or add-on products included in the contract. I also requested copies of the original signed contract, payment history ledger, and documentation showing how the current balance was calculated.