I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months. 
