I didn't write a white note and received a repayment message. Is it fraud?

First of all, make sure whether someone has activated the white note for you, and this will happen.

If you rule out fraudulent text messages. Don't click on the link he sent.

Maybe it's an advertising slogan. If you feel uncomfortable, you can stop him.

For the above problems, it is recommended to check your own credit information, and don't let your identity be leaked and not found.