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Received unsolicited financial product or insurance offers after opting out. XXXX XXXX and 21st Mortgage submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.