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I haven’t had any accounts compromised via spam either. But I have had breaches occur to accounts outside my control and received legitimate notification from them, including the US Gov’t Office of Personnel Management, and of course T-Mobile at least twice. So double checking to verify spam is really spam is a good idea. Commonly occurring spam is not an issue, but unknown spam should be double checked, and of course passwords changed to be on the safe side. And of course if the spam is a known spam scheme or claiming to be from a company you have never had an account with, it safe to ignore those, and block them.
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