I get called several times a week with no message left on answering machine.

Repeatedly calls and leaves no message. 4 time in one day.

called 3 times yesterday and today

Text message: In response to your request to modify your mortgage , reply YES to this message to get more information on reducing your payment

This might be a debt collection company. They knew my name and prompted me to wait about a minute, while "my account information was being looked up". A human then answered and said hello and that he was with "CSI" but acted like he had no clue why I was on the line with him.

They never leave a message for me and hang up when I answer. If they call about a friend or relative- they are NEVER to say the friend or relative owes money. They are allowed to call you to leave a phone number or ask for better contact information. They may only say it is a business matter. If they actually say your friend or relative owes money, they are then in violation of the FDCPA- your relative may be entitled $$ for this breach of privacy. The collection agency itself will be fined by the government $1000 if it is the first time and more money on successive violations.

no message and we are on do not call list