The reminder text message starting with 106 may be real or fake. It depends on the situation and context. The following are some possible scenarios:

1. Real reminder text messages: Some financial institutions or loan companies use numbers starting with 106 to send reminder text messages to remind debtors to repay their debts.

2. Fake reminder text messages: Some fraudsters may use fake numbers to send text messages starting with 106 to trick the recipient into paying false debts or personal information.

3. Mis-sent text messages: Sometimes financial institutions or lending companies may mistakenly send collection text messages to the wrong person, causing the recipient to misunderstand and believe they have an unpaid debt.

To sum up, the reminder text message starting with 106 may be a real reminder notice, or it may be false fraud information. If you receive such a text message, it is recommended to take the following measures:

a. Carefully verify the content of the text message and the identity of the sender;

b. Check whether you actually have unpaid debts ;

c. If you suspect that the information is false, you can contact the relevant financial institution for confirmation;

d. Do not disclose sensitive personal information or perform payment operations at will.

Please note that the above are only general answers, and specific decisions should be made based on the actual situation and relevant laws and regulations.