Jose Berrios
4635 Tuttles Woods Dr
Dublin, OH 43016
DOB: 12/11/1998
SSN: XXX-XX-4592
Phone: 904-836-9444
Email: josejberrios86@gmail.com
Date: November 6, 2025
The Goldman Sachs Bank USA
Attn: Credit Reporting / Disputes Department
Attn: David M. Solomon, Chairman & CEO
200 West Street
New York, NY 10282
Subject: Goodwill Request for Removal of Late Payments – Account No. 5212677602456962
Dear Goldman Sachs Bank USA Team,
I am writing regarding my credit card account (5212677602456962) that I have maintained with Goldman Sachs Bank USA since 2023. I would like to express my sincere appreciation for the outstanding service and support I have received from your institution. I truly value our relationship and have always worked to demonstrate responsibility and consistency in managing my financial obligations.
Recently, I noticed that my credit report reflects two 30- 60-day late payments for September 2024 and October 2024. I acknowledge this oversight and take full responsibility for it. These incidents were isolated and occurred during a brief period of unexpected financial hardship that does not reflect my usual payment habits. Since then, I have resumed my disciplined financial management and continue to meet all of my obligations promptly.
At this moment, my wife and I are expecting a child, and one of our greatest goals is to purchase our first home together. Owning a home represents stability, security, and the opportunity to give our growing family a safe and nurturing environment. Unfortunately, the impact of these two late payments is now affecting my ability to qualify for a mortgage and move forward with this important step.
With humility and respect for the relationship I have built with Goldman Sachs Bank USA, I kindly ask that you consider removing these two late payment records from my credit report as a gesture of goodwill. My history of responsible account management and continued commitment to maintaining a positive relationship with your institution reflect my reliability and integrity.
I would be sincerely grateful for your understanding and assistance in this matter, as it would help my family take an important step toward financial security and stability. Thank you very much for your time and thoughtful consideration.