I am writing to Capital One. I have two accounts Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ) and Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ). Payment problems appeared due to the pandemic. I am kindly requesting Capital One agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.